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Understanding the Finnish Rental Market
Finland's private rental market is the main route for newly arrived expats. Unlike Sweden's first-hand/second-hand queue system, Finland's rental market is broadly open — you apply directly to landlords or agencies, typically needing proof of income and Finnish references or a larger deposit for new arrivals.
- Main search platforms: Vuokraovi.com (largest), Oikotie.fi, Etuovi.com, and Tori.fi for private listings
- Most leases are fixed-term (1 year) or indefinite — fixed-term is often preferred by expats who know their duration
- Required documents: ID, henkilötunnus (or residence permit), proof of income (pay slips, employment contract), and references if available
- New arrivals without Finnish credit history: landlords may request a larger security deposit (up to 3 months)
- Housing benefit (asumistuki): low-income residents can apply for Kela housing benefit; eligibility depends on income and rent level
- Utilities: electricity and internet are almost never included in rent — budget €90–180/month extra
- Sauna: many Helsinki apartment buildings have a shared sauna in the basement — a genuine feature of Finnish apartment life, typically bookable by time slot