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Why is Finland emerging as a prime destination for property investment in 2025? Is it the stable economy, the high quality of life, or the innovative urban development projects? What are the key advantages for investors?
We get asked these questions all the time because we’re on the ground, working closely with developers, real estate agents, and investors like you. With so much interest in this market, we’ve decided to turn our individual answers into a comprehensive article for everyone to benefit from.
Our goal is to provide a clear case for investing in Finland's real estate market, backed by our firsthand experience and market knowledge.
If you think we missed an important point in our content or want to know more, don’t hesitate to reach out (we answer super fast). Your feedback makes our content even stronger.
Finally, please note that this is not financial or investment advice. Investing in real estate carries inherent risks, and market conditions can change unexpectedly. We strongly encourage you to conduct thorough research and consult with a qualified financial advisor before making any investment decisions.
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1) Finland’s strong job market means you can count on steady demand for homes
Finland's strong labor market is a key driver for the demand in residential properties.
When people have stable jobs, they feel secure about their financial future, making them more inclined to buy homes. In 2023, Finland's unemployment rate was just 7.6%, indicating that many people were employed and earning steady incomes. This low unemployment rate is a good sign for anyone considering buying property in the country.
By October 2024, 2,586,000 people were employed, showing stable job growth. This means more people have the financial means to consider buying homes. The labor force participation rate also increased to 67.7%, meaning more people were either working or actively looking for work, which is a positive indicator for the housing market.
Wages in Finland rose by 3.8% in 2023, which supports economic stability. Even though real wages saw a slight dip, the overall wage growth gives people more confidence to invest in homes. Finland's economy has shown resilience during global downturns, maintaining stability and making it an attractive place for both residents and investors to buy homes.
Finland's economic resilience is particularly appealing for those looking to invest in property. The country's ability to maintain stability during global downturns makes it a safe bet for homebuyers and investors alike.
Sources: Statistics Finland, IMF eLibrary, CEIC Data
2) In Finland, you can trust the transparent legal system for secure property deals
Finland is a top contender in global transparency rankings, making it an attractive option for property buyers.
In 2023, Finland's commitment to transparency was evident as it secured the second spot in the Corruption Perceptions Index with a score of 87 out of 100. This high ranking showcases the country's dedication to a legal system that prioritizes integrity and openness.
When it comes to property transactions, Finland stands out with remarkably low levels of property fraud. Even though there was a 16.1% rise in fraud cases in 2020, the more serious cases of aggravated fraud actually dropped by 2.4%. This indicates a stable and secure environment for property dealings.
International investors often praise Finland's business climate, describing it as both stable and transparent. This positive feedback underscores the reliability of Finland's legal framework, which is crucial for anyone looking to invest in property.
Finland's legal system is not just about low corruption; it's about ensuring that property rights are well-protected. The country's legal framework is designed to minimize risks in property transactions, offering peace of mind to buyers.
For those considering a property purchase in Finland, the country's transparent legal system and low corruption levels make it a secure choice. Finland's reputation for integrity in its legal dealings is a significant draw for potential investors.
Sources: Wikipedia, Statistics Finland, World Law Group
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.
3) In Finland, you can find unique properties surrounded by vast forests
Finland is a paradise for nature lovers, with 86% of its land dedicated to forestry, making it a top choice for those seeking properties surrounded by nature.
Imagine living in a place where 77% of the land is lush, green forest. This vast coverage offers a serene backdrop for homes, perfect for anyone wanting to escape the hustle and bustle of city life.
There's a growing trend towards eco-friendly living, and Finland is at the forefront. The country's goal to be carbon-neutral by 2050 is pushing more people to choose sustainable lifestyle options, making forest-surrounded properties even more desirable.
Finland's natural beauty isn't just for show; it's a playground for outdoor enthusiasts. With national parks drawing millions of visitors, owning a property here means easy access to hiking and wildlife watching, activities cherished by both locals and tourists.
For those who love the great outdoors, Finland's conservation efforts ensure that these natural landscapes remain pristine. This commitment to preservation means that properties in these areas offer unmatched opportunities for nature-based tourism.
Whether you're looking to invest or settle down, Finland's extensive forests provide a unique chance to live in harmony with nature, offering a lifestyle that's both peaceful and sustainable.
Sources: Luke.fi, Work in Finland, Natnorth.is
4) In Finland, the cultural focus on owning homes strengthens the real estate market
In Finland, homeownership is a cultural cornerstone, driving a strong real estate market.
With a homeownership rate of 69.20% in 2023, many Finns prefer owning over renting. This preference is deeply ingrained, reflecting a national mindset that values stability and personal investment in property.
Finland's stable economy and robust legal protections for property owners create a secure environment for buying homes. These factors, though not detailed, make real estate an attractive investment for many, bolstering the market's appeal.
Urban areas in Finland are experiencing consistent growth, which keeps the demand for housing high. As cities expand, the balance between rental supply and demand remains favorable, ensuring a steady need for new homes and supporting market vitality.
In Helsinki and other major cities, the urbanization trend is clear. This growth means there's always a demand for housing, which helps maintain the market's strength and appeal to potential buyers.
For those considering buying property in Finland, understanding these dynamics is crucial. The Finnish culture's emphasis on homeownership, combined with economic stability and urban growth, creates a thriving real estate market that is both secure and promising.
Sources: Trading Economics, Expat Finland
5) Finland’s high quality of life draws in international buyers and investors
Finland's high standard of living is a major draw for international buyers and investors.
One reason is Finland's top ranking in global quality of life indices, thanks to its excellent work-life balance, safety, and environmental standards. Imagine living in a place where you can enjoy both a fulfilling career and a peaceful life.
Finland's education and healthcare systems are also a big plus. The education system is renowned worldwide, and free healthcare makes it a great choice for families and professionals seeking a high standard of living. Plus, with low crime rates, you can feel secure investing in or moving to Finland.
Environmental sustainability is another feather in Finland's cap. The country is committed to reaching carbon neutrality by 2035, attracting those who prioritize sustainability. This commitment not only benefits the planet but also boosts foreign direct investment, as businesses see Finland as a responsible place to invest.
Finland's stable political and economic environment is a key factor too. With a stable government and economy, it's a safe bet for investors. The country's low crime rates further enhance its appeal, making it a secure place for both residents and investors.
In short, Finland's combination of a high standard of living, excellent education and healthcare, environmental sustainability, and a stable political and economic environment makes it a top choice for international buyers and investors.
Sources: Quality of Life Indices, Education and Healthcare Systems, Stable Political and Economic Environment, Reputation for Environmental Sustainability
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6) The strong focus on innovation attracts tech professionals looking for homes
Finland is a hotspot for tech professionals seeking housing due to its strong focus on innovation.
With over 3,821 startups and scaleups, Finland's tech scene is buzzing, especially in Helsinki, which is a major hub. This vibrant ecosystem offers countless opportunities for tech enthusiasts, making it a desirable place to settle down. The Finnish government is a big player here, actively nurturing this innovative environment. Through Business Finland, they provide essential funding and support to help startups grow on a global scale. This backing is particularly strong in sectors like gaming, biotech, and clean tech, which are thriving and drawing in tech professionals.
Finland's commitment to innovation is recognized worldwide, as seen in its 6th place ranking in the 2023 Global Innovation Index. This high ranking, above the average for high-income countries, highlights Finland's dedication to fostering a cutting-edge environment. Such recognition attracts tech talent from across the globe, increasing the demand for housing in tech-centric areas like Helsinki and Espoo.
Living in Finland means being part of a community that values forward-thinking and creativity. The country's focus on innovation isn't just about technology; it's about creating a lifestyle that supports growth and development. This makes Finland not only a place to work but also a place to thrive.
For those considering a move, the Finnish tech scene offers a unique blend of opportunity and lifestyle. The support from the government and the thriving startup culture make it an ideal destination for tech professionals. Whether you're looking to join a startup or start your own, Finland provides the resources and environment to succeed.
In short, Finland's innovative spirit and supportive ecosystem make it a top choice for tech professionals seeking new opportunities and a vibrant place to live.
Sources: Dealroom, WIPO, Nucamp
7) Finland’s top-notch healthcare makes it a great choice for retirees seeking permanent homes
Finland's healthcare system is highly regarded, ranking 3rd in the 2024 World Index of Healthcare Innovation.
For retirees, Finland's universal healthcare is a big plus because it's both accessible and affordable. This means you can get the care you need without worrying about high costs, thanks to the country's prevention-focused policies that lead to better health outcomes.
In Finland, people tend to live longer, with women reaching up to 84 years and men up to 78 years, which is above the global average. This longer life expectancy makes Finland an appealing place for retirees who want to enjoy a healthier, longer life.
One of the reasons retirees are drawn to Finland is the healthcare system's focus on patient-centered care and pandemic preparedness. This ensures that you receive top-notch care, especially in times of health crises.
Retirees looking for a permanent home will find Finland's healthcare system attractive because it offers quality care without financial strain. This is a significant factor for those planning their retirement years.
Overall, the Finnish healthcare system's quality is a major draw for retirees, offering them peace of mind and a chance to enjoy their golden years in a country known for its excellent healthcare services.
Sources: World Index of Healthcare Innovation, Wikipedia
8) Finland’s vibrant cultural scene draws international residents looking for long-term homes
Finland's vibrant cultural events are a big draw for international residents looking for long-term housing.
In 2023, major festivals like the Pori Jazz and Savonlinna Opera Festival attracted 220,000 spectators, showing just how popular Finland's cultural scene is. This surge in interest is mirrored by the growth of expatriate communities in cities like Helsinki and Tampere, where economic stability and cultural diversity are key attractions.
Tampere, for example, has welcomed an average of 5,000 new residents each year over the past decade, highlighting a steady influx of international newcomers. The demand for rental properties in areas hosting cultural events, especially in metropolitan hubs like Helsinki and Espoo, reflects the allure of Finland's cultural offerings.
Media coverage of Finland's cultural diversity, including the much-anticipated Helsinki Festival 2025, continues to draw international attention. This buzz around cultural events not only boosts tourism but also encourages people to consider Finland as a long-term home.
In Helsinki and Espoo, the increased demand for housing is closely tied to the vibrant cultural scene. These areas are becoming hotspots for those who want to be close to the action, with cultural events acting as a catalyst for the housing market.
Finland's cultural events are more than just entertainment; they are a significant factor in attracting international residents. The country's ability to blend economic stability with rich cultural experiences makes it an appealing destination for those seeking a new home.
Sources: Celebrity Access, Sponda, Helsinki Times
We have made this infographic to give you a quick and clear snapshot of the property market in Finland. It highlights key facts like rental prices, yields, and property costs both in city centers and outside, so you can easily compare opportunities. We’ve done some research and also included useful insights about the country’s economy, like GDP, population, and interest rates, to help you understand the bigger picture.
9) In Finland, you can easily integrate smart home technology thanks to high internet penetration
In Finland, 97.8% of the population had internet access in 2024, setting the stage for smart home technology.
With 78% of Finnish households enjoying high-speed broadband by late 2023, connecting smart devices is a breeze. This fast internet, with speeds over 100 megabytes, is essential for gadgets that need a reliable connection.
The Finnish government is all in on digital growth, with initiatives like the Digital Compass boosting infrastructure. This means smart home tech has a solid foundation to flourish across the country.
Finns are no strangers to tech, with a high usage of smartphones and smart devices. This familiarity makes adopting smart home systems a natural step for many households.
Imagine controlling your home’s lighting, security, and even appliances with ease, thanks to Finland’s robust digital landscape. The country’s commitment to digitalization ensures smart homes are not just a trend but a growing reality.
Sources: DataReportal, Traficom, Valtioneuvosto
10) With efficient public transport, properties in the country are more accessible and valuable
In Finland, Helsinki's public transportation system is a standout for its efficiency and accessibility.
With 72% of Helsinki's commuters relying on public transport daily, it's clear that the system is both effective and popular. This high usage means that properties near transport hubs are more accessible, making them attractive to potential buyers.
The Finnish government is actively investing in public transportation infrastructure, which not only enhances safety and security but also boosts the economy. This investment can lead to increased property values in areas with improved transport links.
Helsinki's efficient public transport significantly reduces commuting times, making properties in these areas more appealing. Shorter commutes are a major draw for buyers and renters, often influencing property desirability.
Additionally, the environmental benefits of public transportation, like reduced carbon emissions, can make nearby properties more attractive. Eco-friendly living is increasingly important to buyers, potentially raising property values.
In Helsinki, the combination of a reliable public transport system and government investment creates a dynamic property market. Properties near transport hubs are particularly sought after, thanks to their enhanced accessibility and potential for value growth.
Sources: The IET, Valtioneuvosto
11) Finland’s top-notch public services make residential areas more appealing
Finland's top-notch public services make its residential areas highly appealing.
One standout feature is the education system, which consistently ranks high in global assessments like PISA. In 2022, Finland was among the top countries in reading, mathematics, and science, ensuring that children receive a world-class education. This is a huge draw for families looking to settle down, as parents can rest easy knowing their kids are in good hands.
Healthcare is another big plus. Finland's comprehensive system covers most medical expenses, so residents can access high-quality healthcare without the financial stress. This contributes to a strong sense of security and well-being, making it an attractive option for those considering a move.
Getting around is a breeze thanks to Finland's efficient public transportation system. With high satisfaction rates among expats, commuting and travel are convenient and reliable, adding to the overall quality of life. This ease of movement is a significant factor for anyone thinking about relocating.
Safety is a major selling point, too. Finland is known for its low crime rates, providing a secure environment for families. This peace of mind is invaluable and makes the country even more appealing to potential residents.
Finland's investment in public infrastructure, including digitalization and green transition projects, ensures modern and sustainable living conditions. The natural environment and public parks are highly rated by expats, offering ample recreational opportunities and enhancing the quality of life.
Sources: Economy Finance, InterNations 2023, InterNations 2024
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12) With strong digital infrastructure, more people can work remotely, boosting demand for homes
Finland's digital infrastructure is a game-changer for remote work.
By 2023, 77.7% of Finnish households had Fibre to the Premises (FTTP), ensuring fast internet for seamless remote work. This means you can enjoy the peace of the countryside without worrying about connectivity issues that might slow you down elsewhere. Imagine working from a cozy cabin surrounded by nature, yet still being as connected as if you were in a bustling city.
The Finnish government is serious about staying ahead in the digital game, investing EUR 497 million in digital transformation. This isn't just about keeping up; it's about leading the way with cutting-edge technologies like 5G and optical fibre. Such forward-thinking ensures that Finland's digital backbone is not just strong but future-proof, making it an attractive place for tech-savvy homebuyers.
In 2023, 35% of wage and salary earners in Finland worked remotely, showing a clear shift towards flexible work setups. This trend is particularly strong in the tech sector, where 85.6% of SMEs have embraced digital tools. For potential homeowners, this means a growing demand for properties that offer excellent digital connectivity, making it a smart investment.
With such a robust digital infrastructure, Finland is not just a place to live; it's a place to thrive professionally. The ability to work from anywhere in the country without compromising on internet speed or reliability is a huge draw for remote workers. This flexibility is reshaping the housing market, as more people look for homes that support their digital lifestyles.
So, if you're considering buying property in Finland, know that you're not just investing in a home; you're investing in a lifestyle that supports modern work needs. The country's commitment to digital excellence ensures that you'll have the connectivity you need, whether you're in the heart of Helsinki or a remote village.
Sources: Digital Strategy, Statistics Finland, NordLayer, OECD Events
13) With seasonal tourism in Finland, you can easily rent out your property short-term in residential areas
Finland's seasonal tourism is a big boost for short-term rental opportunities in residential areas.
From March 2023 to February 2024, Finland welcomed 4.7 million foreign visitors, each spending about €807 on average. This influx brought in around €3.8 billion, naturally increasing the demand for places to stay, especially during peak tourist seasons. When tourists flock to Finland, they often look for accommodations that offer a local feel, making short-term rentals in residential areas particularly appealing.
About 73% of these visits were for leisure, which means that during peak seasons, there's a high demand for places to stay. In September 2024, leisure trips saw a notable rise, with overnight stays for leisure trips abroad growing by a fifth compared to the previous year. This trend shows that short-term rentals become more attractive during these times, as travelers seek unique and comfortable places to stay.
Lapland, a popular tourist destination, saw foreign tourist numbers in 2023 surpass pre-pandemic levels. This thriving tourism sector highlights the potential for short-term rental properties to flourish. Visitors often prefer accommodations that offer a more authentic experience, and residential areas provide just that. The charm of staying in a local neighborhood adds to the allure of visiting Finland.
In Finland, the seasonal tourism boom is not just about numbers; it's about the experiences tourists seek. They want to immerse themselves in the culture and lifestyle, and short-term rentals in residential areas offer the perfect opportunity. This trend is particularly notable in regions like Lapland, where tourists are drawn to the natural beauty and unique experiences.
As Finland continues to attract more visitors, the demand for short-term rentals in residential areas is likely to grow. This presents a great opportunity for property owners to tap into the tourism market and offer accommodations that cater to the needs of travelers looking for a home away from home.
Sources: Helsinki Times, Statistics Finland, Tourism Review
14) You can boost your property’s value in Finland with government incentives for energy-efficient upgrades
The Finnish government offers incentives for energy-efficient home upgrades, boosting property values.
These incentives, like the ELY and ARA grants, have been a game-changer for homeowners looking to make their homes more energy-efficient. By installing things like heat pumps, not only do homes become greener, but their market value also increases. This is a win-win for both the environment and your wallet.
In Finland, homes with energy-efficient features have become hot commodities. This trend has been growing, and by 2025, property values are expected to rise by 2% to 4% compared to 2024, thanks in part to these government incentives. Buyers are increasingly drawn to sustainable housing, which fits perfectly with Finland's green goals.
One of the big perks of energy-efficient upgrades is lower energy costs, making these homes even more appealing to potential buyers. The Finnish government has been pushing sustainable housing through various programs, and the buzz in the media has only helped boost the value of energy-efficient homes.
For those considering buying property in Finland, it's worth noting that energy-efficient homes are not just a trend but a smart investment. With the government's backing and the growing demand for sustainable living, these homes are likely to continue appreciating in value.
So, if you're thinking about buying a home in Finland, keep an eye out for those energy-efficient features. They not only help the planet but also add significant value to your investment.
Sources: Aalto University, CA EPBD
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.
15) With an aging population, Finland offers great opportunities for investing in senior housing
Finland's aging population is opening up exciting opportunities for senior housing investments.
By 2030, 22% of Finland's population will be aged 65 and over, creating a significant demand for age-friendly housing. The Finnish government is on top of this trend, rolling out the National Programme on Ageing 2030 to ensure older adults have access to suitable living spaces. This program is all about making life better for seniors, focusing on voluntary work, welfare technology, and service development.
What's interesting is that the demand for senior housing is also being fueled by a decline in political support for immigration. This means fewer young immigrants are coming in to balance the aging population, making the need for senior housing even more pressing. The European Living Outlook 2024-2026 highlights this as a key economic opportunity in the senior living sector.
Investors should note that the Finnish government is actively supporting the development of senior housing. They're not just talking about it; they're implementing measures to create environments that cater to the needs of older adults. This proactive approach is a green light for those looking to invest in this sector.
Moreover, the focus on welfare technology and service development is a game-changer. These innovations are set to enhance the quality of life for seniors, making senior housing not just a necessity but an attractive option for many. This is where the real opportunity lies for investors.
With the aging population and the government's supportive stance, senior housing in Finland is a promising investment. The combination of demographic trends and government initiatives makes this a sector worth watching.
Sources: Finland-National-Programme-on-Ageing-2030.pdf, European Living Outlook 2024-2026
From this video, 'Senior Living & Care in the Nordics: SHHA In-Depth,' we realize that Finland's aging population drives demand for senior housing investments, projecting the need for 75,000 new care beds by 2030.
16) The focus on cutting carbon emissions boosts demand for eco-friendly buildings
Finland is making waves with its strong push for green buildings due to its commitment to cutting carbon emissions.
Thanks to generous government incentives, like funding for energy-efficient renovations, there's been a noticeable uptick in green building projects. This support has sparked a surge in applications, making eco-friendly construction more appealing and accessible.
In 2023, the Finnish Building Information Foundation noted a 15% increase in energy-efficient buildings compared to the previous year. This shift highlights a growing interest in sustainable construction, with more people opting for homes that are kind to the planet.
Consumer preferences are also changing, with a survey by the Finnish Association of Architects revealing that 75% of Finns now prefer sustainable housing. This trend is largely driven by concerns over climate change and a desire for environmentally friendly living spaces.
The market for eco-friendly building materials is booming, too. Companies like Metsä Wood have reported increased sales of sustainable wood products in recent years, reflecting the country's dedication to reducing its carbon footprint.
Media coverage on sustainable architecture has further fueled public interest, making green buildings a hot topic. This heightened awareness is pushing more people to consider eco-friendly options when buying property.
Sources: Finnish Ministry of the Environment and Climate Change, Rakennustieto, Arkkitehtiliitto, Metsä Wood, Yle Uutiset
17) Finland’s focus on sustainability boosts demand for eco-friendly homes
Finland is seeing a surge in demand for eco-friendly homes thanks to its strong commitment to sustainable development.
The Finnish government is backing this trend with initiatives like the Low-carbon Built Environment Programme, which offers substantial funding to projects aimed at cutting carbon emissions in construction. This financial boost is a big incentive for builders to go green, making sustainable homes more attractive to buyers.
Finland has set some ambitious goals, like halving greenhouse gas emissions by 2030 and reaching carbon neutrality by 2035. These targets are part of a larger push for sustainable development, which is swaying public opinion and boosting interest in eco-friendly housing. As people become more environmentally conscious, they're more inclined to choose homes that reflect these values.
Media coverage is also playing a role, with a growing focus on sustainable living and eco-friendly housing. This attention, along with popular social media hashtags, is raising awareness and highlighting the perks of sustainable homes. Consequently, more homebuyers are considering eco-friendly options, further fueling demand.
Insider knowledge suggests that in Finland, eco-friendly homes often feature innovative designs that maximize energy efficiency and use sustainable materials. These homes not only reduce environmental impact but also offer long-term savings on energy bills, making them a smart investment.
Moreover, the Finnish real estate market is seeing a shift, with more developers prioritizing sustainability in their projects. This trend is not just about meeting government targets but also about responding to a growing consumer preference for greener living spaces.
Sources: Valtioneuvosto, Sustainability.gov, BCG
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18) Families are drawn to the country for its top-notch education system, making it ideal for permanent homes
Finland's education system is world-renowned, consistently earning top marks in international assessments like PISA.
In 2022, Finnish students excelled, scoring above the OECD average in reading, math, and science, which highlights the strength of their educational framework. This reputation draws international students, with a notable rise in applications and study residence permits recently.
By 2023, there was a 54% increase in first-time study residence permits compared to 2021, showing a strong pull towards Finland's educational offerings. Families are particularly drawn to areas with top-rated schools, such as the Uusimaa region.
In these areas, property prices are higher, reflecting the value families place on access to quality education. This trend indicates that families are willing to invest in homes near renowned schools, underscoring the importance of education in property decisions.
Living near top schools is a priority for many, and the demand for housing in these regions is a testament to the high regard for Finland's education system. The country's high-quality education system attracts families looking for permanent homes.
Sources: Statista, Erudera, Statista
While this article provides thoughtful analysis and insights based on credible and carefully selected sources, it is not, and should never be considered, financial advice. We put significant effort into researching, aggregating, and analyzing data to present you with an informed perspective. However, every analysis reflects subjective choices, such as the selection of sources and methodologies, and no single piece can encompass the full complexity of the market. Always conduct your own research, seek professional advice, and make decisions based on your own judgment. Any financial risks or losses remain your responsibility. Finally, please note that we are not affiliated to any of the sources provided. Our analysis remains then 100% impartial.
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