Finland (FI)
Finland is a Nordic parliamentary republic in Northern Europe, bordering Sweden, Norway, and Russia, with a southern coastline on the Gulf of Finland.
Capital: Helsinki
Region: Europe
Language: Finnish
Currency: EUR (€)
Cost of living: Expensive (index 76)
Emergency: 112
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Cost of Living
Real prices in Finland — 2026 data in EUR.
76
Cost of living index
(100 = NYC reference)
Above average cost. Budget carefully, especially for housing and groceries.
Rent
1-bedroom apartment — Helsinki city centre €900–1,400/month
1-bedroom apartment — Helsinki suburbs (Espoo/Vantaa) €750–1,100/month
2-bedroom apartment — Helsinki city centre €1,400–2,200/month
1-bedroom apartment — Tampere city centre €650–950/month
1-bedroom apartment — Turku city centre €600–900/month
1-bedroom apartment — Oulu / provincial cities €500–750/month
Studio apartment — Helsinki €700–1,000/month
Room in shared apartment — Helsinki €400–650/month
Food & Groceries
Milk (1 litre) €1.00–1.30
Bread (500g loaf, rye or wheat) €2.50–4.00
Eggs (12-pack) €2.80–4.50
Chicken breast (1kg) €7.00–10.00
Salmon fillet (1kg) €12.00–18.00
Ground beef (500g) €4.50–7.00
Pasta (500g) €1.00–2.00
Rice (1kg) €1.50–3.00
Potatoes (1kg) €0.80–1.50
Tomatoes (1kg) €2.50–4.00
Apples (1kg) €2.00–3.50
Beer (can 0.5l, supermarket) €1.60–2.80
Wine (bottle 75cl, Alko) €8.00–25.00
Monthly groceries (1 person, cooking at home) €250–380/month
Dining Out
Lunch menu (lounaslista) — main + salad + coffee €11–15
Mid-range restaurant — 2-course dinner per person €30–50
Fine dining — tasting menu per person €80–150+
Pizza slice / kebab / fast food €8–14
Coffee (espresso or filter) €2.50–4.50
Beer at a bar (0.5l) €7–11
Cocktail at a bar €12–18
McDonald's meal €11–15
Transport
HSL single journey (mobile) — Helsinki zones AB €3.10
HSL monthly pass — Helsinki zones AB €71.90
HSL monthly pass — zones ABCD (incl. airport) €113.70
VR train Helsinki–Tampere (advance) From €13
VR train Helsinki–Oulu (advance) From €25
Taxi (10km ride, Helsinki) €25–40
Onnibus Helsinki–Tampere From €5
Petrol (1 litre, unleaded 95) €1.70–1.95
Car parking — central Helsinki (per hour) €3–6
Health & Insurance
Terveyskeskus (public health centre) appointment fee €0–22 (income-based, often free)
Private clinic GP visit (Mehiläinen, Terveystalo) €60–120
Dental checkup (private) €60–120 + procedures
Dental filling (private) €100–300
Prescription drug (Kela-reimbursed) €0–5 typical copay
OTC paracetamol (20 tablets) €1.50–3.50
Private health insurance (basic, per month) €30–80/month
Utilities
Electricity (if not included in rent/yhtiövastike) €40–100/month
Internet (fibre broadband) €20–35/month
Mobile phone plan (basic data) €15–35/month
Streaming services (Netflix, Spotify) €15–25/month combined
Household contents insurance (kotivakuutus, monthly) €15–40
Leisure
Cinema ticket (Helsinki) €12–17
Gym membership (monthly, Helsinki) €35–80
Sauna entry (public sauna) €10–20
Museum entry (Helsinki) €10–20 (many free with Helsinki Card)
Day ski lift pass (Ruka, Levi, Ylläs) €45–60
Finnish language course (kansalaisopisto, per term) €50–150
Helsinki Card (24-hour, unlimited public transport + museums) €46
Childcare
Päiväkoti / public daycare (subsidised, income-based, monthly) €0–300
Private päiväkoti (monthly, Helsinki) €300–600
International school (Helsinki, annual) €8,000–20,000
Babysitter (per hour, Helsinki) €12–20
Children's hobby / activity class (monthly) €30–80
Cost of Living
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