MigrantoCost of living in Finland
Average monthly spending, by standard of living, by category, and against other countries
Monthly cost
€2,020
what a typical person spends
Spending by standard of living
€1,050richest 20%
€4,200
Finland is a well-paid country, and that comfortable wage is also what makes it expensive — when the people serving you are earning a northern European salary, the haircut and the coffee cost accordingly. The saving grace is how level life is: the distance between a comfortable household and a stretched one is small, so the standard you can expect doesn't swing much with your luck.
Where people spend money in Finland
Housing is the heavy anchor of a Finnish budget, and in a cold country that includes heating the place through a long winter — it's the cost you can do the least about. Food and transport follow, and there you have a little more latitude: where you shop and how you move around can be managed, while the home and the warmth it needs stay fixed.
Living-cost calculator
What it costs to live in Finland
Tell us what you earn and spend today — we'll estimate what the same lifestyle would cost in Finland and how much you could have left each month
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Cost of living in Finland
€1,050/mo
vs €692 in your country
Take-home
€1,380
vs €1,040 in your country
Potential savings
€329
more than in your country
Standard of living
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How living costs in Finland compare
Against the world, Finland ranks among the dearest places to live, and even inside an expensive Europe it holds a place in the upper tier. Geography is a quiet part of why — a small population at the edge of the continent pays more to bring in much of what it uses, and distance shows up in the price.
Data source: household consumption 2023 (World Bank), International Comparison Program 2021 (World Bank), category breakdown 2023 (Eurostat), adjusted to 2026 using IMF GDP-per-capita growth
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Frequently asked questions
What is the cost of living in Finland?
A typical person in Finland spends about €2,020 a month — around €24,300 a year — on housing, groceries, transport and other everyday costs. It's a nationwide average across different regions, cities and types of housing.
What is the cost of living in Finland in US dollars?
The cost of living in Finland is about $2,340 a month, or roughly $28,080 a year per person.
How much money do you need to live comfortably in Finland?
It all depends on your standard of living. A modest budget runs about €1,050 a month per person, a typical one around €2,020, and a comfortable life around €2,570. In big cities and for a family, costs are usually higher.
What do people spend the most on in Finland?
The biggest expense is housing, at about €601 a month (30% of spending). Then come groceries (€253, 13%) and transport (€225, 11%).
Is the average salary in Finland enough to live on?
In most cases yes, but without much of a cushion. Average spending is about €2,020 a month, while the average take-home pay in Finland is about €2,630. For more on incomes, see salaries in Finland.
Is Finland an expensive country to live in?
Yes. Finland is more expensive than 92% of countries worldwide and ranks 11th of 41 in Europe by cost of living.
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Living in Finland
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