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Cost of Living in Finland


Cost of Living in Finland

According to Visa Center, There are a lot of good things you can enjoy when living in Finland. Finns are very humble so they are probably not gonna tell you about every good thing here. As I have only lived in Helsinki since I moved here, my answer may be not 100% correct to the whole Finland. I am not trying to brag here, below are only things I have observed so far. Feel free to correct me if I put something wrong 🙂

1. It’s modern. The interesting thing about Finland is that it doesn’t need skyscrapers to show how modern it is. In fact, Finland doesn’t seem to build ones. It’s modern because technology has been widely applied in many aspects of life (e.g. public transport, banking, schools, public services, etc.) to make things work smoothly. That’s what I feel after having travelled to many places in Europe. I guess that’s why Nokia comes from Finland, not somewhere else.


2. You can survive with English. It surely depends on the regions you are living in, but English is quite enough in many big cities since pretty much everyone there can speak English. It may be more difficult in small, remote towns though.

3. The nature is awesome. Summer and autumn are probably the best time of the year. Coming from crowded Asia, at first I was surprised that I can see the woods and parks almost everywhere in Finland’s capital city4. Public transportation works smoothly. What can be more convenient when one ticket can be used for 5 types of transportation: bus, tram, train, metro, and ferry? Sometimes I just don’t understand why people keep rolling their eyes when the buses or trains are late for one or two minut

5. Sauna is great. One of the best things I have experienced i Finland and am still enjoying it every week. You can always find a sauna nearby and most parties end up with people walking naked to sauna.


6. So is the summer cottage. The combination of nice weather in summer + beautiful nature + great sauna. Well, you get the idea 🙂

7. Finns are honest, humble and quiet. According to Reader’s Digest, Helsinki is one of the most honest cities in the world. In their ‘lost wallet’ test, 11 in 12 wallets were returned. Huh, you have never heard of Finland? Because Finns are so humble that they won’t tell you much about their country. Want to break the silence with a Finn, give them a drink, dude 🙂

8. It’s safe. Well, when your lost wallets and phones get returned to you, do you think it’s a dangerous place? There are many times I went to parties, returned home after midnight and walked alone in the woods, but I felt fine because I am pretty sure nobody is gonna hurt me.


9. Inspirational design and architecture. Lots of design stuff to buy. E.g. Ittala, Marrimeko, Alto design, etc. If I am not mistaken, Helsinki was called the Design Capital in 2012.


10. Public libraries are great. Basically, you got a library card for free and can borrow anything you can find. Books, newspaper, comics, DVDs, video games, you name it. And of course, they’re free as well. Oh, did I mention how cool those libraries look like?

11. There are so many metal bands. I can’t tell you all the Finnish bands I know but names like Nightwish, HIM, Insomnium, Children of Bodom, Ensiferum, Apocalyptica, Sonata Arctica, or Amorphis must be somewhat familiar. You are likely to have a chance to go to their concerts when you are here. FYI, Finland has the most metal bands per capita.


12. Winter is cold, dark but can be also enjoyable. For a person from a tropical country, my first winter here was tough even though Helsinki is considered the warmest place in Finland 🙂 You should keep in mind that the coldness is fine as Finnish houses are very warm inside, but the darkness is the biggest enemy because it causes depression. The best way to deal with it: hanging out with friends, doing sports, teamworking or taking some vitamin pills. FYI, Lapland, one of the coldest places of Finland, is quite crowded in the wintertime 🙂


13. You can see the real Santa Claus. In Lapland, North of Finland. Dream on, kids :14. The most creative food scene. The Restaurant Day – a day when anyone can set up a restaurant of their choice, anywhere they want – is actually a Finnish invention.

15. It’s the best place to be a mother. As far as I know, all mothers get to stay at home with their baby for almost a year with full salary and excellent benefits. When a parent with a child in a buggy uses public transport, they travel free of charge in most cities. What’s cooler? A baby box with full of baby items will be given by the government to new parents. Besides, a world-class but free education is waiting for the kid until he or she graduates.

16. Living is quite expensive. There is no doubt about that, as Helsinki is one of the most expensive places in Europe. But as long as you work and make and meet, you’ll be fine and still have savings for later use. Another benefit is that when you travel, other places (e.g. Africa, South America, SEA, Southern Europe, etc.) somehow will seem ‘cheaper’ to you.


Cost of Living in Finland

[ Edit ] Range
Meal, Inexpensive Restaurant 10.00 € 9.0015.00
Meal for 2 People, Mid-range Restaurant, Three-course 60.00 € 50.0080.00
McMeal at McDonalds (or Equivalent Combo Meal) 7.50 € 6.958.00
Domestic Beer (1 pint draught) 6.00 € 4.007.00
Imported Beer (11.2 oz small bottle) 5.00 € 3.757.00
Cappuccino (regular) 3.36 € 2.504.00
Coke/Pepsi (11.2 oz small bottle) 2.23 € 1.203.00
Water (11.2 oz small bottle) 1.51 € 1.002.50
Markets [ Edit ]
Milk (regular), (1 gallon) 3.51 € 2.654.16
Loaf of Fresh White Bread (1 lb) 1.59 € 0.912.54
Rice (white), (1 lb) 0.78 € 0.441.13
Eggs (regular) (12) 1.77 € 1.302.50
Local Cheese (1 lb) 2.78 € 2.254.54
Chicken Breasts (Boneless, Skinless), (1 lb) 4.32 € 2.275.44
Beef Round (1 lb) (or Equivalent Back Leg Red Meat) 6.21 € 3.639.48
Apples (1 lb) 0.90 € 0.571.36
Banana (1 lb) 0.68 € 0.540.91
Oranges (1 lb) 0.81 € 0.541.36
Tomato (1 lb) 1.25 € 0.911.81
Potato (1 lb) 0.39 € 0.270.54
Onion (1 lb) 0.56 € 0.450.91
Lettuce (1 head) 1.64 € 1.002.89
Water (1.5 liter bottle) 1.40 € 1.002.00
Bottle of Wine (Mid-Range) 11.00 € 9.0015.00
Domestic Beer (0.5 liter bottle) 2.40 € 1.363.09
Imported Beer (11.2 oz small bottle) 2.56 € 1.703.50
Cigarettes 20 Pack (Marlboro) 6.85 € 6.007.20
Transportation [ Edit ]
One-way Ticket (Local Transport) 3.00 € 2.503.30
Monthly Pass (Regular Price) 54.70 € 50.0060.00
Taxi Start (Normal Tariff) 6.00 € 5.909.00
Taxi 1 mile (Normal Tariff) 2.57 € 2.533.07
Taxi 1hour Waiting (Normal Tariff) 47.00 € 43.3047.04
Gasoline (1 gallon) 5.68 € 5.306.06
Volkswagen Golf 1.4 90 KW Trendline (Or Equivalent New Car) 24,207.85 € 20,834.1726,200.00
Toyota Corolla 1.6l 97kW Comfort (Or Equivalent New Car) 24,274.58 € 20,000.0027,000.00
Utilities (Monthly) [ Edit ]
Basic (Electricity, Heating, Cooling, Water, Garbage) for 915 sq ft Apartment 113.88 € 50.00283.33
1 min. of Prepaid Mobile Tariff Local (No Discounts or Plans) 0.07 € 0.060.09
Internet (60 Mbps or More, Unlimited Data, Cable/ADSL) 22.99 € 15.0033.00
Sports And Leisure [ Edit ]
Fitness Club, Monthly Fee for 1 Adult 36.84 € 20.0060.00
Tennis Court Rent (1 Hour on Weekend) 21.85 € 13.0035.00
Cinema, International Release, 1 Seat 13.00 € 12.0015.00
Childcare [ Edit ]
Preschool (or Kindergarten), Full Day, Private, Monthly for 1 Child 282.04 € 150.00450.00
International Primary School, Yearly for 1 Child 7,674.57 € 700.009,000.00
Clothing And Shoes [ Edit ]
1 Pair of Jeans (Levis 501 Or Similar) 82.51 € 50.00100.00
1 Summer Dress in a Chain Store (Zara, H&M, …) 32.15 € 20.0050.00
1 Pair of Nike Running Shoes (Mid-Range) 83.17 € 60.00100.00
1 Pair of Men Leather Business Shoes 113.62 € 80.00150.00
Rent Per Month [ Edit ]
Apartment (1 bedroom) in City Centre 718.66 € 500.00950.00
Apartment (1 bedroom) Outside of Centre 557.53 € 400.00750.00
Apartment (3 bedrooms) in City Centre 1,205.66 € 800.001,700.00
Apartment (3 bedrooms) Outside of Centre 945.61 € 700.001,200.00
Buy Apartment Price [ Edit ]
Price per Square Feet to Buy Apartment in City Centre 392.33 € 229.47743.22
Price per Square Feet to Buy Apartment Outside of Centre 250.00 € 139.35371.61
Salaries And Financing [ Edit ]
Average Monthly Net Salary (After Tax) 2,252.28 €
Mortgage Interest Rate in Percentages (%), Yearly, for 20 Years Fixed-Rate 1.49 1.002.00

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