Investing in property in Finland: what to buy and what it costs
Studio apartment in Lahti by the station
$62,000
A 32 m² apartment with a kitchenette, a bathroom and a glazed balcony in a 1970s brick building with a lift and a shared sauna in Lahti - a town 100 km from Helsinki with a university of technology campus and famous ski jumps. The station is a 10-minute walk away, Helsinki about an hour by train. The apartments are let to students, young professionals and staff who commute to the capital.
Studio apartment in Jyväskylä by the university
$74,000
A 30 m² apartment with a kitchen, a bathroom and a balcony in a 1980s building with a lift, a sauna and a bicycle room in Jyväskylä - a university town in central Finland with lakes inside the city and buildings by the architect Alvar Aalto. The University of Jyväskylä is 10 minutes away by bicycle, the centre a 15-minute walk. The apartments are let to students of the university and the university of applied sciences.
One-bedroom apartment in Kuopio by the lake
$99,000
A 45 m² apartment with a bedroom, a living room, a kitchen and a balcony overlooking Lake Kallavesi in a 1990s building with a lift and a sauna in Kuopio - a town with a campus of the University of Eastern Finland and a university hospital. The centre is 10 minutes away by bus, the hospital and the campus 15 minutes. The apartments are let to medical students, doctors and hospital staff.
One-bedroom apartment in Oulu for a professional
$120,000
A 50 m² apartment with a bedroom, a living room, a kitchen and a glazed balcony in a 2000s building with a lift and a sauna in Oulu - the largest city in northern Finland with a university, technology companies and a university hospital; in 2026 Oulu is a European Capital of Culture. The centre is 10 minutes away by bicycle on year-round cycle paths, the university 15 minutes by bus. The apartments are let to engineers, software developers and students.
One-bedroom apartment in Turku by the Aura river
$140,000
A 45 m² apartment with a bedroom, a living room, a kitchen and a balcony in a 1960s stone building with a lift and a sauna in Turku - Finland's oldest city with two universities and a shipyard that builds cruise ships. The Aura riverside and the centre are a 10-minute walk away, Helsinki about 2 hours by train, and ferries sail from the port to Stockholm. The apartments are let to students, shipyard engineers and young families.
One-bedroom apartment in Tampere by the tram
$150,000
A 45 m² apartment with a bedroom, a living room, a kitchen and a balcony in a 2010s building with a lift and a sauna in Tampere - a city between two lakes with a university, IT companies and a tram that opened in 2021. The tram stop is a 3-minute walk away, the centre 15 minutes, Helsinki about 1.5 hours by train. The apartments are let to software developers, engineers and students of Tampere University.
Two-bedroom family apartment in Vantaa
$180,000
A 65 m² apartment with two bedrooms, a living room, a kitchen and a glazed balcony in a 1980s building with a lift, a sauna and a playground in the courtyard in the Tikkurila district of Vantaa - a city next to Helsinki that is home to the country's main airport. Tikkurila station is a 10-minute walk away, central Helsinki 15 minutes by commuter train, the airport 10 minutes. The apartments are let to families of airport, logistics and Helsinki office staff.
Studio apartment in Helsinki by the metro
$200,000
A 32 m² apartment with a kitchen, a bathroom and a balcony in a 1960s building with a lift and a sauna in eastern Helsinki - a district with parks, a shopping centre and a metro station. The metro is a 5-minute walk away, central Helsinki 15 minutes by metro. The apartments are let to young professionals, students of the capital's universities and staff of Helsinki companies.
What property is bought for investment in Finland
Above are the most interesting offers selected by our experts: apartments in buildings with a lift and a sauna in university towns, by the tram, the metro and the airport. A manager will find a property that fits your requirements.
Apartments for sale in Helsinki, Vantaa, Tampere, Turku and university towns, prices by city, yield, taxes, the buying process and residence.
A foreigner buys an apartment in Finland without permits: an apartment here is a block of shares in the housing company that owns the building, and the transfer tax on them is 1.5% of the debt-free price. A square metre in Tampere costs about $3,400, a 32 m² studio in Lahti $62,000, a one-bedroom apartment in Tampere $150,000. An apartment in Tampere lets at about 6.4% a year before tax and the housing company charge, 8.8% in Kuopio and 11.8% in Lahti.
This page covers apartments in the university towns of Lahti, Jyväskylä, Kuopio and Oulu, in Turku and Tampere, a family apartment in Vantaa near the airport and an apartment by the metro in Helsinki. It also covers prices and rents by city, taxes, the buying process and residence. What is for sale today and the exact price will be confirmed by a manager.
The market in brief
Prices and rules as of 2026.
What an apartment in Finland costs in 2026
An apartment in Finland is bought as shares in the housing company that owns the building, and the apartment's share of the company's loan is added to the share price - so apartments are compared by the debt-free price. The owner pays the company a monthly charge for the upkeep of the building and, if the plot is leased from the city, the plot rent too. A square metre costs most in Helsinki and Espoo and two to three times less in the university towns. Before the deal the manager's five-year maintenance plan is checked: a pipe renovation in a 1960s-1980s building adds a separate charge for several years.
| City | Per m² | Monthly rent per m² |
|---|---|---|
| Helsinki | ~$5,700 | ~$24 |
| Espoo | ~$4,300 | ~$22 |
| Vantaa | ~$3,000 | ~$20 |
| Tampere | ~$3,400 | ~$19 |
| Turku | ~$3,000 | ~$18 |
| Oulu | ~$2,500 | ~$16 |
| Jyväskylä | ~$2,200 | ~$17 |
| Kuopio | ~$2,300 | ~$17 |
| Lahti | ~$1,800 | ~$15 |
| National average | ~$3,100 | ~$18 |
The price per square metre is the average resale price of apartments in blocks of flats from July 2025 to June 2026, rent is the average for non-subsidised leases from October 2025 to September 2026, from Statistics Finland. Dollars at the rate of October 23, 2026, rounded up.
What yield letting gives
The gross yield of letting a one-bedroom apartment in Tampere is about 6.4% a year before tax and the housing company charge, 6.7% in Turku, 7.8% in Oulu, 8.8% in Kuopio; a studio gives 10.4% in Jyväskylä, 11.8% in Lahti and 5.8% in Helsinki, a two-bedroom apartment in Vantaa 7.6%. The housing company charge in blocks of flats in 2025 averaged 4.88 euros (about $5.50) per square metre a month across the country and 5.90 euros (about $6.70) in the capital region; after it the yield in Tampere is about 4.5%. The parties to a lease set the rent freely, and the charge and repair costs are deducted from the income for tax.
| Tax | Rate |
|---|---|
| Rental income | 30% up to 30,000 euros (~$34,000) a year and 34% above, after deducting the housing company charge and expenses |
| Gain on sale | 30% and 34% on the same scale; your own home lived in for 2 years is sold tax-free |
| Property tax | paid by the housing company and already included in the monthly charge |
| Wealth tax | none |
2026 data: the yield is based on average rents from October 2025 to September 2026 and prices per square metre from July 2025 to June 2026; a comparison of countries is in the rental yield table.
Rental income and the gain on selling an apartment in Finland are taxed in Finland even when the owner lives abroad: they are reported in the Finnish tax return for the year.
What costs to add to the property price
| Payment | Amount |
|---|---|
| Transfer tax | 1.5% of the debt-free price for an apartment (housing company shares); 3% for a house with land |
| Ministry of Defence permit | for a house and land, a buyer from outside the EU pays 210 euros (~$240) online; not needed for an apartment |
| Agent's commission | paid by the seller |
| Deposit | up to 4% of the price under the preliminary agreement |
| Housing company charge | on average 4.88 euros (~$5.50) per square metre a month; it covers upkeep of the building and property tax |
2026 data. For a one-bedroom apartment in Tampere at 140,000 euros the transfer tax is 2,100 euros (about $2,400), and the seller pays the agent. Finnish banks rarely lend to non-residents without Finnish income, so the purchase is planned with own funds. Finnish banks do not accept deposits over 100,000 euros from Russian citizens without an EU residence permit, so we plan the payment in advance. A manager calculates the total for a specific property.
In Finland the housing company is checked before the deal
Mistakes here cost more than the transfer tax: a share of the housing company loan left out of the price, a pipe renovation a couple of years after the purchase, a charge that eats up the rent, a plot leased from the city with a rising rent. Murblz support removes these risks: we find an apartment for the budget and goal, check the housing company's articles, finances and repair plan, calculate the debt-free price and take the deal through to the transfer of the shares and the keys.
The cost of support depends on the purchase budget and the goal - a home for relocation, an apartment for children's studies or an investment; a manager will calculate it in the chat.
Does buying give a residence permit
Buying a home in Finland does not give a residence permit. Work, study, your own company or family in Finland do, and an apartment of your own makes relocation and children's studies easier. We plan the purchase together with the residence permit application.
A foreigner buys an apartment as housing company shares without permits and without travelling to Finland: the agreement is signed by power of attorney and payment goes through a bank. Since 15 July 2025 the law bars Russian and Belarusian citizens from buying houses and land, except holders of a Finnish permanent residence permit; the ban does not apply to apartments held as housing company shares.
How we find a property
- Budget and goal: a home for relocation, an apartment for children's studies, an investment. The manager calculates the housing company charge and the yield for your case.
- A selection of real properties: apartments with the seller's price, the debt-free price, the monthly charge and the building's repair plan.
- Checks before the deal: the housing company's articles and finances, the apartment's share of its loan, the manager's five-year maintenance plan, the plot lease.
- A remote deal: a preliminary agreement with a deposit of up to 4% of the price, the sale agreement by power of attorney, transfer tax within two months. The whole deal takes 2-6 weeks.
The manager sends the selection to the chat, with sellers' prices on the date of the selection.
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More on buying in this country:
- Property in Finland to live in and invest: rules, taxes and the deal
- How to buy an apartment in Finland and Helsinki
- Finland startup permit: residence permit for your own business
- Helsinki: what to see and whether to move there
- How to send money to Finland
- Finland: all programs
All countries and budgets compared - on the page Investment property abroad.
FAQ
How much does an apartment in Finland cost in 2026?
Can foreigners buy property in Finland?
Does buying property give a residence permit in Finland?
What yield does letting an apartment in Finland give?
What taxes and fees does the buyer of an apartment in Finland pay?
Can a Russian citizen buy an apartment in Finland?
Which Finnish city to buy an apartment in for investment?
Can you buy property in Finland remotely?
Don’t want to figure this out alone?
We handle the whole process end to end: we shortlist properties for your goal, run legal checks and support the deal through to registration. Ask your question in the chat: the free consultation starts right here. Legal representation before authorities and courts is handled by Murblz specialists together with locally licensed partners.
The Murblz consultant replies straight away in the chat on this page. Describe your situation and we will work it out together.
Free consultationWhat happens next
- An expert reviews your situation and goal.
- We contact you the way you prefer and answer your questions.
- You get a work plan, honest timelines and a written quote.