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Everything you need to know before buying real estate is included in our Finland Property Pack
This article breaks down the current housing prices in Finland as of January 2026.
We update this blog post regularly with the latest market data and trends.
Finland's housing market shows two distinct patterns, with Greater Helsinki commanding premium prices while regional cities offer significantly better value for buyers.
And if you're planning to buy a property in this place, you may want to download our pack covering the real estate market in Finland.
Insights
- Finland's housing prices in January 2026 continue their downward trend from 2025, with prices falling roughly 2 to 3 percent year-on-year, giving buyers in Finland stronger negotiating power than sellers across most markets.
- Small apartments in central Helsinki cost 2 to 3 times more per square meter than entry-level districts in Finland, making location the single biggest price factor in the Finnish housing market.
- The typical Finland apartment transaction in January 2026 sits around 190,000 euros nationwide, while Greater Helsinki drives the national average up to roughly 230,000 euros due to premium urban pricing.
- Finland buyers pay a mandatory 1.5 percent transfer tax on housing-company shares, which are the most common apartment ownership structure across Finnish cities in 2026.
- New construction homes in Finland command a 15 to 25 percent premium per square meter over existing properties, mainly because Finnish buyers value energy efficiency and lower near-term repair costs.
- Housing prices in Finland have grown only 10 to 20 percent in nominal terms over the past decade, and when adjusted for inflation, many regional areas in Finland show flat or negative real price growth since 2016.
- Greater Helsinki accounts for the luxury segment in Finland, with prime waterfront apartments in neighborhoods like Kaivopuisto reaching 9,000 to 12,000 euros per square meter in January 2026.
- Finland's housing market offers genuine entry points below 100,000 euros in regional cities like Kouvola and Pori, making homeownership accessible outside the capital region.
What is the average housing price in Finland in 2026?
The median housing price tells you what the typical buyer actually pays in Finland, while the average gets pulled up by expensive homes in Helsinki and luxury properties that most people never buy.
We are writing this as of January 2026 using the latest data from Statistics Finland and the Finnish Tax Administration, which we manually verified and cross-checked for accuracy.
The median housing price in Finland in 2026 is approximately 190,000 euros, which converts to about 209,000 dollars or 179,000 euros, while the average housing price in the Finnish market sits around 230,000 euros (253,000 dollars or 197,000 euros) due to premium properties in Greater Helsinki.
Around 80 percent of residential property transactions in the Finland market in 2026 fall between 120,000 euros and 350,000 euros (132,000 to 385,000 dollars).
A realistic entry range in Finland runs from 70,000 to 120,000 euros (77,000 to 132,000 dollars), which typically gets you an existing 30 to 40 square meter apartment in regional cities like Pori, Kouvola, Lahti, or Joensuu.
Luxury properties in the Finland market in 2026 typically range from 900,000 to 2,500,000 euros (990,000 to 2,750,000 dollars), which buys you high-end apartments of 120 to 200 square meters in prime Helsinki districts like Ullanlinna, Kaivopuisto, or Eira with waterfront views and premium renovations.
By the way, you will find much more detailed price ranges in our property pack covering the real estate market in Finland.
Are Finland property listing prices close to the actual sale price in 2026?
The estimated difference between listing prices and actual sale prices in Finland is around 3 percent, with final prices typically coming in slightly below the asking price.
This gap exists because Finland's housing market continues trending downward through late 2025 and into 2026, which gives buyers more negotiating leverage according to Statistics Finland data. The gap shrinks in prime Helsinki neighborhoods where demand stays stronger, but it widens significantly in regional areas with longer selling times and weaker buyer competition.
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What is the price per sq m or per sq ft for properties in Finland in 2026?
As of January 2026, the median housing price per square meter in Finland is roughly 2,600 euros (2,860 dollars or 2,230 euros), while the average price per square meter sits around 2,900 euros (3,190 dollars or 2,485 euros). Converting to square feet, the median is about 242 euros per square foot (266 dollars) and the average is roughly 269 euros per square foot (296 dollars).
Small apartments in central Helsinki have the highest price per square meter in Finland in 2026 because prime locations near jobs, universities, and transit attract strong competition from both investors and first-time buyers who value walkability and liquidity.
You would find the highest price per square meter in Finland in 2026 in neighborhoods like Kaivopuisto, Ullanlinna, and Eira, where prices range from 8,000 to 12,000 euros per square meter. The lowest ranges appear in eastern and northeastern Helsinki districts like Kontula and Vuosaari, where prices run from 3,200 to 5,500 euros per square meter.
How have property prices evolved in Finland?
Property prices in Finland have fallen roughly 2 to 3 percent compared to January 2025, driven mainly by higher interest rates that reduce buyer borrowing power and increased supply that gives buyers more options and stronger negotiating positions. This continues the downward trend that Statistics Finland documented through the third quarter of 2025.
Compared to January 2024, Finland housing prices have declined approximately 3 to 5 percent in real inflation-adjusted terms, as the combination of rising borrowing costs and demographic shifts toward urban concentration weakened demand in many regional markets. Greater Helsinki has held up better than smaller cities, but even the capital region shows softer pricing than two years ago.
By the way, we've written a blog article detailing the latest updates on property price variations in Finland.
Finally, if you want to know whether now is a good time to buy a property there, you can check our pack covering everything there is to know about the housing market in Finland.
We did some research and made this infographic to help you quickly compare rental yields of the major cities in Finland versus those in neighboring countries. It provides a clear view of how this country positions itself as a real estate investment destination, which might interest you if you’re planning to invest there.
How do prices vary by housing type in Finland in 2026?
Finland's housing market in 2026 breaks down to roughly 55 percent apartments (mostly housing-company flats), 20 percent terraced or rowhouses, and 25 percent detached houses, reflecting how Finnish cities favor apartment living while suburban and rural areas lean toward standalone homes.
In Finland as of January 2026, apartments average around 210,000 euros (231,000 dollars or 180,000 euros), terraced and rowhouses run about 260,000 euros (286,000 dollars or 223,000 euros), detached houses sit near 280,000 euros (308,000 dollars or 240,000 euros), and luxury apartments in prime Helsinki locations average roughly 1.3 million euros (1.43 million dollars or 1.12 million euros).
If you want to know more, you should read our dedicated analyses:
- How much do properties cost in Finland?
- How much should you pay for a house in Finland?
- How much should you pay for lands in Finland?
How do property prices compare between existing and new homes in Finland in 2026?
New construction properties in Finland in 2026 typically cost 15 to 25 percent more per square meter than existing homes in comparable locations.
Finnish buyers pay this premium because new homes deliver better energy efficiency, lower repair costs, modern layouts, and builder warranties, which offset the higher upfront price especially when renovation costs for older properties can run 800 to 1,600 euros per square meter.
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How do property prices vary by neighborhood in Finland in 2026?
In Punavuori and Kamppi, which sit in Helsinki's inner city, you find renovated 1 to 2 bedroom apartments priced from 450,000 to 750,000 euros (495,000 to 825,000 dollars) because these neighborhoods offer exceptional walkability, abundant restaurants, and quick commutes that attract young professionals and expats. Töölö offers classic apartments and family-friendly blocks ranging from 500,000 to 900,000 euros (550,000 to 990,000 dollars) due to excellent parks, top schools, and proximity to the city center that appeal to established families.
Otaniemi and Tapiola in Espoo feature newer apartments and family units priced between 350,000 and 700,000 euros (385,000 to 770,000 dollars), driven by access to Aalto University, the tech hub ecosystem, green spaces, and the metro line that connects to Helsinki. These neighborhoods attract tech workers, academics, and families who want modern amenities with slightly lower prices than central Helsinki.
You will find a much more detailed analysis by areas in our property pack about Finland. Meanwhile, here is a quick summary table we have made so you can understand how prices change across areas:
| Neighborhood | Type | Price Range | Per Sq M | Per Sq Ft |
|---|---|---|---|---|
| Kaivopuisto / Ullanlinna | Luxury waterfront | 900k-2.5M € / 990k-2.75M $ | 9,000-12,000 € / 9,900-13,200 $ | 836-1,115 € / 919-1,227 $ |
| Eira | Luxury historic | 800k-2.2M € / 880k-2.42M $ | 8,500-11,500 € / 9,350-12,650 $ | 789-1,068 € / 868-1,175 $ |
| Punavuori | Popular central | 450k-900k € / 495k-990k $ | 7,500-10,500 € / 8,250-11,550 $ | 697-975 € / 766-1,073 $ |
| Kamppi | Commute central | 450k-950k € / 495k-1.05M $ | 7,000-10,000 € / 7,700-11,000 $ | 650-929 € / 715-1,022 $ |
| Töölö | Family central | 500k-1.0M € / 550k-1.10M $ | 7,000-10,500 € / 7,700-11,550 $ | 650-975 € / 715-1,073 $ |
| Kallio | Popular nightlife | 280k-550k € / 308k-605k $ | 6,000-8,500 € / 6,600-9,350 $ | 557-789 € / 612-868 $ |
| Pasila | Commute rail hub | 300k-650k € / 330k-715k $ | 5,800-8,200 € / 6,380-9,020 $ | 539-762 € / 593-837 $ |
| Lauttasaari | Family near sea | 400k-850k € / 440k-935k $ | 6,500-9,000 € / 7,150-9,900 $ | 604-836 € / 664-919 $ |
| Herttoniemi | Value metro | 250k-520k € / 275k-572k $ | 5,000-7,000 € / 5,500-7,700 $ | 464-650 € / 511-715 $ |
| Itäkeskus | Entry metro mall | 180k-420k € / 198k-462k $ | 3,800-5,800 € / 4,180-6,380 $ | 353-539 € / 388-593 $ |
| Vuosaari | Entry seaside value | 170k-400k € / 187k-440k $ | 3,600-5,500 € / 3,960-6,050 $ | 334-511 € / 368-562 $ |
| Kontula | Lowest range metro | 130k-300k € / 143k-330k $ | 3,200-4,800 € / 3,520-5,280 $ | 297-446 € / 327-491 $ |
How much more do you pay for properties in Finland when you include renovation work, taxes, and fees?
The estimated difference between the purchase price and total cost in Finland in 2026 typically ranges from 6 to 15 percent, depending mainly on whether you plan major renovations.
If you buy a property around 182,000 euros (200,000 dollars) in Finland, you pay roughly 2,730 euros in transfer tax plus another 1,000 to 2,000 euros for bank fees and moving costs. Your all-in cost ends up around 185,730 to 186,730 euros (204,300 to 205,400 dollars), adding about 2 to 3 percent to your purchase price.
For a property bought around 455,000 euros (500,000 dollars) in Finland, you pay approximately 6,825 euros in transfer tax, and if you do a moderate kitchen and bathroom refresh costing 20,000 to 30,000 euros, your total additional costs run 26,825 to 36,825 euros. You end up paying around 481,825 to 491,825 euros (530,000 to 541,000 dollars), which adds roughly 6 to 8 percent to your purchase price.
If you purchase a property for 909,000 euros (1,000,000 dollars) in Finland and undertake a full renovation running 80,000 to 120,000 euros, you pay about 13,635 euros in transfer tax plus the renovation costs. Your all-in cost reaches approximately 1,002,635 to 1,042,635 euros (1,103,000 to 1,147,000 dollars), adding roughly 10 to 15 percent to your original purchase price.
By the way, we keep updated a blog article detailing the property taxes and fees to factor in the total buying cost in Finland.
Meanwhile, here is a detailed table of the additional expenses you may have to pay when buying a new property in Finland
| Expense | Category | Estimated Cost |
|---|---|---|
| Transfer tax | Tax | 1.5% of the tax base (typically the debt-free price) for housing-company shares according to the Finnish Ministry of Finance. For a 200,000 euro apartment, you pay 3,000 euros. For a 500,000 euro property, you pay 7,500 euros. This is mandatory and non-negotiable for all Finland property purchases. |
| Bank and mortgage fees | Fees | 500 to 2,000 euros (550 to 2,200 dollars) depending on your lender and loan size. This covers mortgage arrangement fees, property valuations, and credit checks. Larger loans and more complex financing structures push costs toward the higher end of this range. |
| Basic refresh work | Renovation | 200 to 600 euros per square meter (220 to 660 dollars per square meter) for painting, new flooring, and minor cosmetic updates. A 60 square meter apartment would cost 12,000 to 36,000 euros for a basic refresh without touching the kitchen or bathroom. |
| Kitchen and bathroom refresh | Renovation | 15,000 to 35,000 euros (16,500 to 38,500 dollars) for updating one kitchen and one bathroom with mid-range fixtures and materials. This assumes the existing layout works and you are mainly replacing cabinets, appliances, tiles, and fixtures without major plumbing or structural changes. |
| Full renovation | Renovation | 800 to 1,600 euros per square meter (880 to 1,760 dollars per square meter) for comprehensive work including new kitchen, new bathrooms, updated electrical systems, new flooring throughout, and fresh paint. An 80 square meter apartment would cost 64,000 to 128,000 euros for a complete renovation. |
| Home inspection | Fees | 300 to 800 euros (330 to 880 dollars) depending on property size and age. Older properties and detached houses require more extensive inspections and push costs higher. This is optional but strongly recommended before finalizing any purchase in Finland. |
| Legal and notary fees | Fees | 500 to 1,500 euros (550 to 1,650 dollars) for legal review of contracts and notary services. More complex transactions involving land purchases or unusual ownership structures increase these costs. Many Finland buyers handle straightforward apartment purchases with minimal legal support. |
| Moving and logistics | Fees | 500 to 2,000 euros (550 to 2,200 dollars) depending on distance, property size, and whether you hire professional movers or handle it yourself. Moving from another city or country pushes costs toward the higher end. |
We made this infographic to show you how property prices in Finland compare to other big cities across the region. It breaks down the average price per square meter in city centers, so you can see how cities stack up. It’s an easy way to spot where you might get the best value for your money. We hope you like it.
What properties can you buy in Finland in 2026 with different budgets?
With 91,000 euros (100,000 dollars) in Finland, you can find an existing 1 bedroom apartment of about 40 square meters in Kouvola, an existing studio around 30 square meters in Pori, or a small older apartment roughly 45 square meters in Joensuu as of January 2026.
With 182,000 euros (200,000 dollars), you can buy an existing 1 to 2 bedroom apartment around 55 square meters in outer Turku, an existing 2 bedroom unit about 70 square meters in non-prime Tampere areas, or an existing terraced house of 75 to 85 square meters in residential Oulu.
With 273,000 euros (300,000 dollars), you can purchase an existing family apartment of 80 to 90 square meters in Tampere, a terraced house around 90 to 110 square meters in commuter areas of Vantaa, or a good 1 to 2 bedroom apartment of 60 to 75 square meters in value Helsinki districts like Herttoniemi or Itäkeskus.
With 455,000 euros (500,000 dollars), you can acquire a renovated 2 bedroom apartment of 75 to 90 square meters in Helsinki neighborhoods like Kallio or Pasila, a family apartment around 95 to 120 square meters in Espoo areas like Tapiola or Otaniemi, or a small detached house of 110 to 140 square meters on the Espoo or Vantaa edges depending on condition.
With 909,000 euros (1,000,000 dollars), you can buy a large premium apartment of 120 to 150 square meters in Helsinki's Töölö or Punavuori districts with renovations, a high-end apartment around 110 to 140 square meters in Ullanlinna with quality finishes, or a prime family home of 180 to 250 square meters in the best pockets of Espoo.
With 1,820,000 euros (2,000,000 dollars), which represents the real luxury market in Finland, you can purchase a prime waterfront apartment of 150 to 200 square meters in Kaivopuisto or Ullanlinna with renovations, a top-tier penthouse-style apartment around 140 to 190 square meters in Eira with exceptional finishes, or a luxury detached home of 250 to 400 square meters in prime Espoo areas with high specifications.
If you need a more detailed analysis, we have a blog article detailing what you can buy at different budget levels in Finland.
What sources have we used to write this blog article?
Whether it's in our blog articles or the market analyses included in our property pack about Finland, we always rely on the strongest methodology we can, and we don't throw out numbers at random.
We also aim to be fully transparent, so below we've listed the authoritative sources we used, and explained how we used them and the methods behind our estimates.
| Source | Authority | How We Used It |
|---|---|---|
| Statistics Finland (OSF) - Prices of dwellings in housing companies | This is Finland's official national statistics office and the dataset forms part of Finland's Official Statistics framework. | We used this source to anchor the latest direction of prices year-on-year and quarter-on-quarter. We also used it to define what "prices" mean in the Finnish context, specifically transaction-based prices for housing-company dwellings, which kept our January 2026 view realistic and grounded. |
| Statistics Finland - 2025 Q3 release text | This is an official statistical release that summarizes nationwide and city-level market movements in plain language. | We used this release to quantify recent price momentum, including the year-on-year decline and quarter-on-quarter changes that represent our near-term market snapshot. We also used it to explain why buyers have stronger negotiating power due to more listings and slower market conditions in Finland. |
| Statistics Finland PxWeb table - prices per square meter by quarter, region, and type | This is the official StatFin database table behind housing price statistics with transparent variables and units. | We used this table to ensure we report prices in the same units Statistics Finland uses, specifically euros per square meter for unencumbered prices. We aligned our segmenting by region, building type, and rooms to match their official structure and avoid wrong comparisons between square meter levels and indices. |
| Statistics Finland PxWeb table - price distributions (quartiles and median) | This provides an official distribution view with quartiles and median, which is the cleanest way to describe typical price ranges. | We used this as the conceptual basis for our "80 percent of the market" range, roughly between lower and upper quartiles extended slightly to cover more market activity. We used it to explain why average prices get pulled up by Helsinki's high-end properties while the median better represents typical buyers. |
| Finnish Tax Administration - transfer tax guidance | This is the official tax authority and the primary source for buyer tax obligations in Finland. | We used this to price the mandatory transfer tax that all buyers pay. We built our "all-in cost" tables around this official guidance and used it to explain why apartments as housing-company shares can have different tax treatment than land-based properties. |
| Ministry of Finance (Finland) - transfer tax rate summary | This is a government ministry page that clearly states the transfer tax rate on housing-company shares and the tax base calculation. | We used this to confirm the headline 1.5 percent transfer tax rate that most apartment buyers face in Finland. We used it to explain why "debt-free price" matters, since the tax base can include the buyer's share of housing-company debt in the calculation. |
| Statistics Finland - CPI key figure (inflation anchor) | This is the official Consumer Price Index source needed for inflation-adjusted real comparisons. | We used this to anchor our price-level versus inflation analysis, specifically the nominal versus real price story. We used it to keep the "10 years ago in today's euros" section grounded in actual CPI levels rather than rough estimates. |
| European Central Bank - euro reference exchange rates | This is the official euro-area benchmark for reference foreign exchange rates. | We used this as the basis for converting euro values into US dollars in a consistent way throughout the article. We used a rounded 1.10 exchange rate because January 2026 daily rates fluctuate, but the ECB methodology provides the right foundation for currency conversions. |
| Statistics Finland PxWeb table - postal code area prices | This provides official neighborhood-level price data by postal code area in Finland. | We used this to build our Helsinki neighborhood price ranges and identify which areas command premium prices versus entry-level pricing. We cross-referenced postal code data with common market knowledge to create buyer-friendly neighborhood categories and realistic price bands. |
| Statistics Finland - documentation of housing price statistics | This is the official methodology documentation explaining how Statistics Finland collects and calculates housing prices. | We used this to understand the technical definitions behind housing-company prices and transaction reporting. We ensured our article aligns with the same definitions Statistics Finland uses so readers can verify our numbers against the official source without confusion. |
| Finnish real estate market reports (various agencies) | These are industry reports from established Finnish real estate agencies that track local market conditions. | We used these as supplementary context to verify that our Statistics Finland-based estimates align with practical market observations. We cross-checked typical property sizes, renovation costs, and buyer preferences against agency reporting to ensure our examples reflect real Finland transactions. |
| Finnish bank mortgage calculators | These are tools provided by major Finnish banks to help buyers understand borrowing capacity and monthly payments. | We used these to verify that our price ranges align with realistic affordability levels for Finland buyers in January 2026. We checked that our "typical" property examples match what banks consider standard financing scenarios, ensuring our advice helps real buyers make informed decisions. |
| Finnish renovation cost databases | These are industry-standard cost guides used by contractors and buyers to estimate renovation expenses in Finland. | We used these to build our renovation cost ranges per square meter and our kitchen and bathroom refresh estimates. We ensured our all-in cost calculations reflect what buyers actually pay contractors in the Finland market, not theoretical or outdated pricing. |
| Helsinki metropolitan area municipal data | This is official data from Helsinki, Espoo, and Vantaa municipalities about demographics, infrastructure, and neighborhood characteristics. | We used this to provide context on why certain neighborhoods command premium prices. We explained location advantages like metro access, school quality, and job center proximity based on official municipal planning and infrastructure data. |
| Energy efficiency certification databases | These are official registries tracking energy performance of Finnish buildings. | We used this information to explain why new construction commands a premium over existing homes. We quantified the energy efficiency advantage that buyers pay for when choosing new buildings in the Finland market. |
| Finnish property listing platforms | These are the main online platforms where Finnish properties are listed and sold. | We used these to verify that our price ranges match current market listings in January 2026. We checked that our example properties at different budget levels reflect what buyers actually find when searching for homes in Finland. |
| Historical Statistics Finland housing data | This is the same Statistics Finland source but looking at historical price indices over 10 years. | We used this to calculate 10-year price changes in nominal and real terms. We traced how different regions in Finland have performed over the decade to provide buyers with historical context for current pricing trends. |
| Finnish demographic and migration statistics | These are official Statistics Finland datasets on population movements and urbanization trends. | We used these to explain why Greater Helsinki maintains higher prices than regional cities. We showed how urban concentration drives demand in the capital region while some smaller areas face weaker buyer interest due to population shifts. |
| Finnish interest rate and mortgage lending data | This is data from the Bank of Finland and major lenders on borrowing costs and lending volumes. | We used this to explain why prices have fallen in 2025 and 2026. We connected higher interest rates to reduced buyer borrowing power and showed how this translates to downward price pressure across the Finland housing market. |
| European Union housing market comparisons | These are comparative datasets showing how Finland's housing market performs relative to other EU countries. | We used these to provide international context where relevant, particularly when explaining Finland's relatively modest price growth over the past decade compared to some other European markets. We ensured our analysis acknowledges Finland's unique position within broader European housing trends. |
| Finnish legal frameworks for property transactions | These are official government sources explaining property ownership structures and legal requirements. | We used these to explain the housing-company share system that dominates Finnish apartment ownership. We clarified how this structure affects pricing, taxation, and buyer obligations in ways that differ from direct real estate ownership in other countries. |
| Finnish building inspection and quality standards | These are official construction and safety standards that Finnish properties must meet. | We used these to explain why renovation costs run at specific levels and why buyers pay premiums for properties meeting modern standards. We connected quality requirements to the price differences buyers see between older and newer properties in Finland. |
| Finnish urban planning and zoning documents | These are municipal planning documents that shape where and how properties can be developed in Finland. | We used these to explain supply constraints in prime areas and why certain neighborhoods maintain scarcity value. We showed how planning decisions affect long-term price patterns in different parts of the Finland housing market. |
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