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In this article, we look at current housing prices in Finland in 2026, with a focus on residential property only.
We constantly update this blog post so buyers can follow the Finland housing market with fresh and easy-to-read figures.
The goal is simple: help you understand what homes cost in Finland, from entry apartments to luxury homes.
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
- The average housing price in Finland in 2026 is about €235,000, but the median is lower, near €190,000, because expensive Helsinki homes lift the average.
- Finland property prices in 2026 are still soft, with national old housing-company dwellings falling by about 3% to 4% year-on-year in early 2026.
- Buyers in Finland in 2026 usually have negotiation room, with final sale prices often around 4% to 8% below the first asking price.
- The national average price per square meter in Finland in 2026 is around €2,450, but prime Helsinki areas can be three or four times higher.
- A $100,000 budget can still buy a small Finnish apartment in some regional towns, but not in central Helsinki or prime Espoo.
- New-build homes in Finland are much more expensive per square meter, with a likely premium of about 45% to 70% over older homes.
- Housing costs in Finland are highly regional, with older homes in Kouvola or Kotka sometimes below €1,700 per sqm and prime Helsinki above €8,000 per sqm.
- For a normal buyer, taxes, fees and light works can add 3% to 6% to a clean apartment purchase in Finland, and much more for older detached houses.
What is the average housing price in Finland in 2026?
The median housing price in Finland is often more useful than the average housing price, because the average is pushed up by expensive homes in Helsinki, Espoo and other prime areas.
We are writing this as of 2026, using the latest Finland housing data we could collect from official sources and market reports that we manually double checked.
In 2026, the median housing price in Finland is about €190,000, or about $220,000, which is also €190,000 in local currency terms. The average housing price in Finland in 2026 is about €235,000, or about $272,000, which is also €235,000.
For most buyers, the realistic 80% market range for residential property in Finland in 2026 is about €75,000 to €520,000, or about $87,000 to $602,000.
A realistic entry range in Finland in 2026 is about €60,000 to €130,000, or about $69,000 to $150,000, which can buy an older 45 to 60 sqm apartment in places such as Lahti, Kouvola, Pori, Joensuu or outer Oulu.
A typical luxury property range in Finland in 2026 is about €900,000 to €2.5 million, or about $1.04 million to $2.89 million, which can buy a large renovated apartment in central Helsinki or a high-quality detached home in Westend, Espoo.
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?
In Finland in 2026, final sale prices are usually about 4% to 8% below the first listing price, with a practical midpoint of about 6% below asking.
The gap exists because Finland was still a buyer-friendly market in early 2026, with longer selling times and weaker buyer confidence. The gap is usually smaller for prime Helsinki, Espoo and Tampere family homes, and larger for tired homes, weak-demand towns or sellers who started too high.
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What is the price per sq m or per sq ft for properties in Finland in 2026?
As of 2026, the median housing price per sqm in Finland is about €2,250, or about $2,600, which equals about €209 per sqft, or about $242 per sqft. The average housing price per sqm in Finland is about €2,450, or about $2,835, which equals about €228 per sqft, or about $264 per sqft.
The highest price per sqm in Finland in 2026 is usually found in small central Helsinki apartments, while the lowest price per sqm is usually found in older large apartments and detached houses in shrinking regional towns.
The highest price per sqm in Finland is usually in Helsinki areas such as Eira, Kaivopuisto, Ullanlinna, Punavuori, Kamppi and Töölö, where typical ranges can reach about €6,500 to €10,500 per sqm. The lowest ranges are often in places such as Kouvola, Kotka, Kajaani, Kemi and older suburbs of Lahti or Pori, where older homes can sit around €800 to €1,700 per sqm.
How have property prices evolved in Finland?
Compared with one year ago, property prices in Finland in 2026 are down by roughly 3.5% in nominal terms and about 5% after inflation. The main reason is that buyers were still cautious after higher interest rates, while sellers in many areas had to accept longer sales times.
Compared with two years ago, Finland housing prices are still lower in many ordinary apartment markets, even though the worst part of the rate shock has passed. The recovery has been slow because unemployment, confidence and oversupply in some apartment markets continued to weigh on demand.
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.
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How do prices vary by housing type in Finland in 2026?
In the Finland residential market in 2026, apartments and flats in housing companies make up about 55% of buyer activity, terraced houses about 15%, detached houses about 25%, semi-detached and small low-rise homes about 3%, new-build apartments about 1.5%, and luxury villas or prime detached homes about 0.5%.
Apartments in Finland average around €170,000, or about $197,000, while terraced houses average around €245,000, or about $284,000. Detached houses average around €295,000, or about $341,000, semi-detached homes around €310,000, or about $359,000, new-build apartments around €330,000, or about $382,000, and luxury prime homes around €1.35 million, or about $1.56 million.
If you want to know more, you should read our dedicated analyses:
How do property prices compare between existing and new homes in Finland in 2026?
In Finland in 2026, new-build homes are usually about 45% to 70% more expensive per sqm than existing homes, with a practical midpoint near 55%.
This premium exists because new homes are newer, more energy efficient, lower-risk for repairs, and often located in stronger urban areas where land is expensive.
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How do property prices vary by neighborhood in Finland in 2026?
In Kamppi, Töölö and Punavuori in Helsinki, buyers mostly find existing central apartments, often priced from about €300,000 to €950,000, or about $347,000 to $1.10 million. These areas are expensive because they are walkable, central and close to jobs, universities, services and public transport.
In Tapiola and Westend in Espoo, buyers find family apartments, row houses and detached homes, often priced from about €300,000 to €2.3 million, or about $347,000 to $2.66 million. These areas are popular with families because they combine metro access, schools, seaside neighborhoods and larger homes.
In Kouvola and Kotka older areas, buyers find older apartments and detached houses, often priced from about €45,000 to €180,000, or about $52,000 to $208,000. These areas are cheaper because demand is thinner, income levels are lower, and older buildings may need renovation.
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:
| Area | Buyer profile | Typical total price | Typical price per sqm | Typical price per sqft |
|---|---|---|---|---|
| Eira / Kaivopuisto, Helsinki | Luxury / diplomatic | €750k to €2.5m / $868k to $2.89m | €7,500 to €10,500 / $8,680 to $12,152 | €697 to €976 / $806 to $1,129 |
| Ullanlinna / Punavuori, Helsinki | Central / popular | €350k to €1.2m / $405k to $1.39m | €6,500 to €9,000 / $7,522 to $10,416 | €604 to €836 / $699 to $968 |
| Kamppi / Töölö, Helsinki | Commute / urban | €300k to €950k / $347k to $1.10m | €5,800 to €8,200 / $6,713 to $9,490 | €539 to €762 / $624 to $882 |
| Kallio, Helsinki | Young / rental liquidity | €190k to €520k / $220k to $602k | €5,000 to €7,300 / $5,787 to $8,448 | €465 to €678 / $538 to $785 |
| Jätkäsaari, Helsinki | New-build / waterfront | €300k to €850k / $347k to $984k | €6,000 to €8,500 / $6,944 to $9,837 | €557 to €790 / $645 to $914 |
| Tapiola, Espoo | Family / metro | €300k to €1.1m / $347k to $1.27m | €4,800 to €7,200 / $5,555 to $8,333 | €446 to €669 / $516 to $774 |
| Westend, Espoo | Luxury family | €700k to €2.3m / $810k to $2.66m | €5,500 to €8,500 / $6,365 to $9,837 | €511 to €790 / $591 to $914 |
| Hervanta, Tampere | Value / student / tech | €120k to €330k / $139k to $382k | €2,200 to €3,700 / $2,546 to $4,282 | €204 to €344 / $237 to $398 |
| Keskusta, Turku | Central / student | €150k to €500k / $174k to $579k | €3,000 to €5,200 / $3,472 to $6,018 | €279 to €483 / $323 to $559 |
| Kaakkuri / city suburbs, Oulu | Family / affordable growth | €130k to €380k / $150k to $440k | €2,000 to €3,600 / $2,315 to $4,166 | €186 to €335 / $215 to $387 |
| Lahti suburbs | Entry / commuter | €80k to €280k / $93k to $324k | €1,300 to €2,700 / $1,505 to $3,125 | €121 to €251 / $140 to $290 |
| Kouvola / Kotka older areas | Lowest-cost / weak demand | €45k to €180k / $52k to $208k | €800 to €1,700 / $926 to $1,968 | €74 to €158 / $86 to $183 |
How much more do you pay for properties in Finland when you include renovation work, taxes, and fees?
In Finland in 2026, a clean apartment purchase often costs about 3% to 6% more than the purchase price after taxes and fees, while an older home needing work can cost 10% to 40% more.
For a property bought around $200,000, or about €173,000, a normal apartment buyer in Finland might add roughly €5,000 to €10,000 for transfer tax, bank fees, documents and basic checks. The all-in cost would often land near €178,000 to €183,000, or about $206,000 to $212,000, before any major renovation.
For a property bought around $500,000, or about €432,000, a buyer might add around €13,000 to €26,000 for a clean purchase, and more if renovation is needed. That means the all-in cost often lands near €445,000 to €458,000, or about $515,000 to $530,000, for a good-condition apartment or family home.
For a property bought around $1,000,000, or about €864,000, a buyer might add around €26,000 to €52,000 for a clean purchase, and a renovation budget can push the total much higher. A realistic all-in cost can therefore sit near €890,000 to €916,000, or about $1.03 million to $1.06 million, before large upgrades.
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
| Extra cost | Type | Estimated cost range |
|---|---|---|
| Transfer tax for apartment or housing-company shares | Tax | 1.5% of the purchase price. On a €100,000 apartment, that is €1,500, or about $1,700. This is one of the main unavoidable buyer costs. |
| Transfer tax for detached house or real estate | Tax | 3% of the purchase price. On a €100,000 detached-house purchase, that is €3,000, or about $3,500. The rate is higher because the buyer is purchasing real estate rather than housing-company shares. |
| Notary, registration and document costs | Fees | About €200 to €1,500, or about $230 to $1,700. The amount depends on the property type, the paperwork and whether extra documents are needed. |
| Bank arrangement and mortgage setup | Financing | About €500 to €2,500, or about $580 to $2,900. This covers common lender fees for setting up the mortgage and related banking work. |
| Condition inspection | Due diligence | About €400 to €1,200, or about $460 to $1,400. This is especially useful for detached houses and older homes, where repair risk can be much larger. |
| Light apartment refresh | Renovation | About €300 to €700 per sqm, or about $350 to $810 per sqm. This can cover painting, floors and basic cosmetic improvements, not major structural work. |
| Kitchen and bathroom renovation | Renovation | About €15,000 to €45,000, or about $17,000 to $52,000. The final cost depends on the size, building rules, material level and plumbing work. |
| Detached-house energy, roof or façade work | Renovation | About €30,000 to €120,000, or about $35,000 to $139,000. These works can quickly change the real cost of buying an older Finnish detached house. |
| Housing-company loan share | Hidden debt | Often 0% to 25% of the purchase price, and sometimes more in newer buildings. Buyers should check this carefully because it can change the true cost of the apartment. |
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 $100,000, or about €86,000, there is a real Finland property market, but mostly outside prime Helsinki: you could buy an existing 35 to 45 sqm apartment in Kouvola, an existing 40 to 50 sqm apartment in Kotka or Pori, or an existing 25 to 35 sqm studio in outer Lahti.
With $200,000, or about €173,000, you could buy an existing 45 to 55 sqm apartment on the outer edge of Kallio or in eastern Helsinki, an existing 65 to 80 sqm family apartment in Tampere Hervanta or Tesoma, or an existing 90 to 120 sqm detached house in Lahti, Pori or Kouvola suburbs.
With $300,000, or about €259,000, you could buy an existing 55 to 70 sqm apartment in central or near-central Turku, an existing 70 to 85 sqm apartment in a non-prime Tampere district, or an existing 100 to 130 sqm detached house in Oulu, Jyväskylä or Lahti suburbs.
With $500,000, or about €432,000, you could buy an existing 55 to 70 sqm apartment in Töölö, Kallio or Punavuori in Helsinki, an existing 90 to 110 sqm family apartment or row house in Tapiola or Leppävaara in Espoo, or a new 45 to 60 sqm apartment in Jätkäsaari or Kalasatama.
With $1,000,000, or about €864,000, you could buy an existing 100 to 130 sqm central apartment in Ullanlinna, Töölö or Punavuori, a detached family house in Tapiola, Lauttasaari or a good Espoo district, or a high-quality row house or detached house in a prime Tampere lakeside area.
With $2,000,000, or about €1.73 million, there is a real market in Finland, but it is mostly a prime Helsinki and Espoo luxury market: you could buy a large 150 to 220 sqm apartment in Eira, Kaivopuisto or Ullanlinna, a luxury detached house in Westend, or a large renovated waterfront family home in a premium Helsinki or Espoo area.
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 and link | Why this source matters | How we used the source |
|---|---|---|
| Statistics Finland, Prices of dwellings in housing companies | This is Finland’s official statistical source for apartment and terraced-house transaction prices. | We used it as the main source for old and new dwellings in housing companies. We relied on its Q1 and April 2026 releases, price-per-sqm tables and methodology. |
| Statistics Finland, Q1 2026 old dwelling price release | This release gives fresh official data on old housing-company dwelling prices in early 2026. | We used it to anchor the latest year-on-year price change. We also used it to explain why the Finland housing market was still soft in 2026. |
| Statistics Finland StatFin price-per-sqm table | This table gives detailed price-per-sqm data by region, building type and room count. | We used it to estimate national and regional price-per-sqm levels. We treated the figures as price-level guides, not as perfect measures of price change. |
| Statistics Finland, Real estate prices | This is Finland’s official source for single-family house and plot transaction prices. | We used it to cross-check detached-house values. We used it because detached houses are not fully captured by the housing-company apartment dataset. |
| National Land Survey of Finland, real estate transaction statistics | This source maintains Finland’s purchase price register for real estate transactions. | We used it to validate detached-house and land-based residential transactions. We treated it as a transaction-price source, not an asking-price source. |
| Finnish Tax Administration, Transfer tax | This is the official source for buyer transfer-tax rules in Finland. | We used it for transaction-cost estimates. We applied the 1.5% rate for housing-company shares and the 3% rate for real estate and buildings. |
| European Central Bank, Euro foreign exchange reference rates | The ECB is the official reference source for euro exchange rates. | We used the 9 June 2026 EUR/USD reference rate. We converted all euro estimates into dollars with €1 = $1.1573. |
| Statistics Finland, Consumer price index | This is Finland’s official inflation source. | We used it to estimate inflation-adjusted price movements. We used the April 2026 CPI inflation figure of 1.5%. |
| Nordea, Finland Housing Market Review Spring 2026 | Nordea is a major Nordic bank and publishes regular housing-market research. | We used it to explain selling times, buyer confidence, rates and supply. We also used it to support the listing-versus-closing discount estimate. |
| Nordea, Spring 2026 housing review PDF | The PDF version gives the detailed research note behind Nordea’s public market commentary. | We used it as a cross-check for market weakness in early 2026. We used it carefully as market context, not as an official transaction-price dataset. |
| Hypo, Housing Market Review 1Q 2026 | Hypo is a Finnish mortgage specialist with regular housing-market research. | We used it as a private-sector cross-check for buyer and seller negotiation conditions. We used it especially for the point that asking prices were coming down. |
| Eurostat, House Price Index | Eurostat gives a comparable EU house-price index for residential dwellings. | We used it to cross-check long-term nominal house-price movements. We used it alongside real house-price data for the 10-year view. |
| BIS / FRED, Real residential property prices for Finland | The BIS real house-price series is a standard international inflation-adjusted measure. | We used it to cross-check the inflation-adjusted 10-year trend. We treated it as a national real-price index rather than a local transaction-price dataset. |
| Bank of Finland, housing loan interest-rate update | The Bank of Finland is the official central bank source for Finnish lending and mortgage statistics. | We used it to explain why interest rates mattered so much for Finnish buyers. We also used it to support the point that many Finnish mortgages are linked to Euribor-style rates. |
| Global Property Guide, Finland residential property market analysis | This source summarizes Finland housing data and helps compare official price levels in a buyer-friendly format. | We used it only as a secondary cross-check for Q4 2025 price-per-sqm benchmarks. We did not treat it as a substitute for Statistics Finland data. |
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