Best places to buy property in Finland 2025

Authored by the expert who managed and guided the team behind the Finland Property Pack

Everything you need to know before buying real estate is included in our Finland Property Pack

Who is the author of this content?

INVESTROPA

A team specialized in real estate investing in European countries

We are a team of financial experts, legal professionals, developers, and local real estate specialists dedicated to helping people like you avoid mistakes when investing in real estate in a foreign place, particularly in Finland. If you'd like to learn more about us, you can check our presentation page.

How this content was created 🔎📝

At InvestRopa, we explore the Finnish real estate market every day. Our team doesn't just analyze data from a distance—we're actively engaging with local realtors, investors, and property managers in cities like Helsinki, Tampere, and Turku. This hands-on approach allows us to gain a deep understanding of the market from the inside out.

These observations are originally based on what we've learned through these conversations and our observations. But it was not enough. To back them up, we also needed to rely on trusted resources

We prioritize accuracy and authority. Trends lacking solid data or expert validation were excluded.

Trustworthiness is central to our work. Every source and citation is clearly listed, ensuring transparency. A writing AI-powered tool was used solely to refine readability and engagement.

To make the information accessible, our team designed custom infographics that clarify key points. We hope you will like them! All illustrations and media were created in-house and added manually.

What are the top cities in Finland where people are currently buying property?

Helsinki, Espoo, Tampere, Turku, and Oulu remain the most popular destinations for property buyers in Finland as of September 2025.

Helsinki continues to lead due to its status as the capital and economic hub, with neighborhoods like Töölö, Lauttasaari, and Ullanlinna experiencing the highest transaction volumes. Espoo attracts buyers particularly in areas such as Tapiola, Matinkylä, and Haukilahti, driven by proximity to Helsinki and excellent amenities.

Tampere has gained significant traction among both domestic and international buyers due to its strong tech industry presence and university community. Turku appeals to buyers seeking maritime charm combined with educational institutions, while Oulu attracts investment due to its growing tech sector and northern development initiatives.

It's something we develop in our Finland property pack.

Seinäjoki and Rovaniemi are emerging as popular choices for buyers seeking more affordable entry points with growth potential.

Which regions are expected to grow the most in 2025?

Espoo, Oulu, Rovaniemi, and Vaasa are forecasted to experience the strongest property price growth in 2025.

Espoo's growth is driven by continued urban expansion, new infrastructure projects, and its proximity to Helsinki's business district. The city benefits from ongoing development in areas like Matinkylä and significant investments in public transportation connections.

Oulu's northern development initiatives, combined with university expansion and tech industry growth, position it for substantial price appreciation. Rovaniemi benefits from tourism development and northern region investment programs, while Vaasa's strategic location and industrial base support steady growth.

New apartment construction in these urban centers is leading the recovery, while rural markets across Finland remain relatively weak. Population migration patterns strongly favor these growth regions, creating sustained demand pressure on housing stock.

How affordable is property in different parts of Finland right now?

Finnish property remains relatively affordable by Nordic standards, with significant regional variations creating opportunities for different budget levels.

The national average for apartments ranges from €2,000 to €4,000 per square meter, while houses average €1,500 to €3,500 per square meter. Rural and Lapland regions often fall below €2,000 per square meter, making them highly accessible for first-time buyers or investors seeking rental properties.

Northern regions like Rovaniemi and smaller cities such as Seinäjoki offer particularly attractive affordability, with property prices significantly below major urban centers while still providing growth potential. University cities like Jyväskylä combine affordability with strong rental demand from student populations.

Compared to neighboring countries like Sweden and Norway, Finnish property prices offer better value, especially when considering the quality of infrastructure and public services available.

What are the average prices for apartments and houses in those areas?

City	Apartment Price (€/m²)	House Price (€/m²)
Helsinki	€3,535+	€2,878
Espoo	€3,228	€2,500-3,000
Tampere	€2,095	€1,979
Turku	€2,653	€2,355
Oulu	€1,937	€1,800
Jyväskylä	€1,750	€1,600
Seinäjoki	€1,500	€1,300

Where do foreign investors usually buy property in Finland?

Foreign buyers concentrate their investments in Helsinki, Espoo, Vantaa, Tampere, Turku, and Oulu, drawn by employment opportunities, international schools, and established expat communities.

Helsinki attracts the majority of international investment due to its role as Finland's economic center and the presence of multinational companies. Espoo appeals to foreign buyers working in tech industries, while Tampere draws investors seeking university town dynamics and tech sector growth.

EU and EEA citizens face no purchase restrictions when buying property in Finland, while non-EU/EEA buyers need permits for real estate purchases but not for apartment shares. This regulatory framework makes Finland accessible to European investors while maintaining some controls on non-European investment.

International buyers particularly favor areas with good public transportation links, proximity to international schools, and established rental markets that provide steady income potential.

Which cities or towns have the strongest rental demand?

Helsinki, Tampere, Turku, Oulu, and Jyväskylä demonstrate the strongest and most liquid rental markets in Finland as of September 2025.

Helsinki leads rental demand due to its concentration of jobs, international companies, and continuous population inflow. The city's diverse economy ensures steady tenant demand across different property types and price segments.

University cities like Tampere, Turku, and Jyväskylä benefit from consistent student demand, creating reliable rental income streams especially for smaller apartments. Oulu combines university demand with tech industry growth, providing both student and professional tenant markets.

These cities offer the most liquid rental markets, meaning properties rent quickly and vacancy periods remain short. The combination of employment opportunities, educational institutions, and urban amenities creates sustainable rental demand that supports investor confidence.

What kind of rental yields can you expect in these places?

Finnish rental yields vary significantly by city, with smaller university towns offering the highest returns for property investors.

Jyväskylä leads with average gross rental yields of 7.4%, driven by strong student demand and relatively low property prices. This combination makes it particularly attractive for investors focused on rental income rather than capital appreciation.

Mid-sized cities like Oulu (5.4%) and Turku (5.2%) offer balanced returns combining decent yields with growth potential. Tampere provides 4.4% yields while Helsinki averages 4.1%, reflecting higher property prices but also greater market stability and liquidity.

It's something we develop in our Finland property pack.

These yields represent gross returns before expenses, and actual net yields will be lower after accounting for maintenance, management, and tax obligations.

Are there any government incentives or restrictions for buying property in Finland?

Finland introduced significant mortgage regulation changes in 2025 that have made property buying more accessible for qualified buyers.

Maximum loan terms have been extended to 35 years, and loan-to-value ceilings have been raised to 95%, allowing first-time buyers to purchase with as little as 5% down payment. These changes have stimulated market activity and made homeownership more achievable.

Transfer taxes apply at 1.5% for apartment shares and 3% for real estate purchases, representing one of the main government-imposed costs on transactions. No specific incentives exist for foreign buyers, but the regulatory framework remains transparent and stable.

The government maintains some restrictions for non-EU/EEA buyers who need permits for real estate purchases, though apartment share purchases face no such restrictions. This system balances market openness with regulatory oversight.

What local factors are driving demand in these areas?

1. **Universities create consistent demand** - Tampere, Turku, Oulu, Jyväskylä, and Helsinki host major universities that generate steady student rental demand and attract young professionals who eventually become buyers. 2. **Technology industries concentrate in key cities** - Helsinki and Espoo house major tech companies and headquarters, while Tampere and Oulu have growing tech sectors that attract skilled workers needing housing. 3. **Infrastructure investments support growth** - New rail connections, urban expansion projects, and public transportation improvements in major cities enhance property values and rental demand. 4. **Maritime and traditional industries provide stability** - Turku's maritime sector and various regional industrial bases create employment stability that supports local housing markets. 5. **Government and public sector employment** - Helsinki's role as the capital concentrates government jobs, while regional centers host significant public sector employment that provides steady demand.

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.

Which areas are considered safest and most family-friendly?

Finland consistently ranks among the world's safest countries, with all major cities offering excellent security and family amenities.

Helsinki, Tampere, Oulu, Rovaniemi, Kuopio, Lappeenranta, and Hämeenlinna lead in family-friendliness, offering excellent schools, healthcare, and recreational facilities. Crime rates remain extremely low across all these areas, making personal safety a non-issue for most residents.

Espoo and Tampere particularly appeal to expat families due to their international school options, family-oriented neighborhoods, and abundant green spaces. These cities combine urban amenities with safe suburban environments ideal for raising children.

The Finnish education system consistently ranks among the world's best, and healthcare services are universally accessible, making any of these major cities suitable for family living while offering solid property investment potential.

Are there up-and-coming neighborhoods worth looking into before prices rise?

Several emerging areas offer potential value appreciation before broader market recognition drives prices higher.

Seinäjoki represents the strongest emerging market, with affordable pricing, growing population, and new housing developments creating momentum. The city's strategic location and industrial base support sustainable growth prospects.

In Oulu, the Kivikkokangas neighborhood has recorded the fastest property sales in Finland, indicating strong buyer interest and potential for continued appreciation. Helsinki's Laajasalo district is rising in popularity due to improved transportation links and waterfront appeal.

It's something we develop in our Finland property pack.

Northern development initiatives make Rovaniemi increasingly attractive, while various university town peripheries offer affordable entry points with growth potential as cities expand outward.

What should buyers watch out for in terms of taxes, fees, or legal rules when purchasing property in Finland?

Finnish property purchases involve several mandatory costs and tax obligations that buyers must factor into their investment calculations.

Transfer taxes constitute the largest government fee: 1.5% for apartment shares and 3% for real estate purchases. Combined with notary, registration, and agent fees, total transaction costs typically range from 7% to 12% of the purchase price.

Down payments range from 5% to 15% of purchase price, though this amount can often be borrowed as part of the mortgage arrangement. Annual property taxes vary by municipality from 0.93% to 2.00% of assessed value.

Non-resident investors face 30% to 34% tax rates on rental income and capital gains, though expenses are deductible and double taxation treaties may apply. Due diligence requires using licensed agents and reviewing sale contracts, condition reports, and Title and Mortgage Register entries, as bids become legally binding under Finnish law.

Conclusion

This article is for informational purposes only and should not be considered financial advice. Readers are advised to consult with a qualified professional before making any investment decisions. We do not assume any liability for actions taken based on the information provided.

Sources

1. InvestRopa - Finland Which Area
2. International Investment - Popular Residential Areas Finland
3. InvestRopa - Finland Price Forecasts
4. InvestRopa - Finland Real Estate Foreigner
5. Multilaw - Real Estate Guide Finland
6. InfoFinland - Buying a Home
7. Realting - Finnish Real Estate Market Changes
8. Nordea - Finland Housing Market Review
9. Global Property Guide - Finland Rental Yields
10. InvestRopa - Average House Price Finland