What Is Housing Like in Finland?
- Siiri Heiskanen
- Nov 11
- 2 min read
Finnish homes have a unique charm that combines simplicity, functionality, and warmth. Rooted in Nordic design traditions, they reflect a deep appreciation for nature and everyday comfort. Whether it’s a modern city apartment filled with light or a peaceful cottage by the lake, Finnish living is all about creating spaces that are both beautiful and practical.
Modern Design Meets Everyday Functionality
Finnish homes are known for their clean, minimalist design. Influenced by Nordic architecture and brands like Artek and Iittala, Finnish housing emphasizes practicality. Large windows are a common feature, not only for aesthetics but also to capture as much daylight as possible during the long, dark winter months.
Most houses include a sauna, even the smallest apartments, reflecting the deep cultural importance of relaxation and well-being. Modern homes are built with strong insulation, triple-glazed windows, and energy-efficient heating systems. The use of wood, light colors, and natural materials creates a calm and cozy atmosphere.
Different Types of Housing in Finland
Finland offers a variety of housing types to suit different lifestyles and budgets:
Apartment buildings (kerrostalo): The most common form of housing in urban areas. Apartments range from compact studios to spacious family flats, usually managed by housing cooperatives called asunto-osakeyhtiö. There are also apartment buildings for students that are managed by local student housing foundations.
Row houses (rivitalo): A popular choice for families who want more space but still enjoy the convenience of urban living. These homes often come with small private gardens and shared playgrounds.
Detached houses (omakotitalo): Found mainly in suburban or rural areas, these single-family homes often feature large yards, garages, and even separate sauna buildings. Many Finns dream of owning one of these, surrounded by forest or near a lake.
Semi-detached houses (paritalo): A compromise between apartment and detached living, offering a bit more privacy with a smaller footprint and lower maintenance costs.
Summer cottages (kesämökki): A quintessential part of Finnish life. Many families own or rent a summer cottage by a lake or in the countryside, where they relax, go swimming & sauna, and enjoy nature. Some Finns even live in their cottages all year round.
Home ownership and the Finnish Housing Market
Home ownership is highly valued in Finland, and about two-thirds of Finnish households own their homes. However, prices vary significantly depending on location. In Helsinki and other major cities, high demand and limited space have driven prices upward, making renting a practical option for people that can’t afford to buy a house.
In smaller towns and rural areas, housing remains more affordable, and people can often find spacious homes, surrounded by nature and even lakes or rivers, at a fraction of city prices.
Rental housing is well-regulated, with clear tenant rights and responsibilities. Public and cooperative housing options help ensure that everyone — regardless of income — has a possibility to find a safe and decent place to live.
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