Cost of Living in Finland for International Students [2025]

Finland is one of the happiest countries in the world, but did you know it’s also one of the few places where education is free from preschool to university? That’s right—Finland provides top-quality education at no cost, with only the top 10% of applicants accepted into teaching programs to maintain its high standards. If the Finnish education system has caught your attention and you’re considering pursuing your studies there, you’re in the right place! In this blog, we’ll cover everything you need to know about the cost of living in Finland. From average living expenses in cities where international students usually stay, to practical tips on managing your budget, we’ve got you covered to help you plan your journey effectively.

Why Should You Consider Studying in Finland as an International Student?

Finland is widely known for its quality of life and excellent education opportunities, alongside the best career options with high salaries. Here are some of the additional benefits of pursuing an education in Finland.

• Affordable Education: Universities in Finland rank among the top 3% of universities globally, and offer high-quality education. The tuition fee is generally around €6,000-€16,000 per year. Moreover, Finnish universities offer a wide range of scholarships for studying abroad that will help you to cover your tuition fees.
• High Standard of Living: Finland is not just renowned for its educational facilities, but also offers top-notch healthcare and other amenities. In order to help students, the Finnish government provides ample discounts on food, transportation, and everyday facilities to make living costs more manageable.
• Career Assistance: Multiple Finnish universities offer career assistance to international students to help them secure a job upon graduation. They provide end-to-end services to help you land the job of your preference. Moreover, during your course term, you can also work part-time jobs for 30 hours each week. Additionally, almost 55% of university students find employment opportunities while studying.
• Permanent Residency Advantage: International students can extend their visa for a year after completing their education. This can help you land a job of your choice and attain a work-based residence permit. After working for four consecutive years you will be eligible for a permanent residence permit.

Also Read: Advantages of Studying Abroad

Cost of Living in Finland: An Overview

Living in Finland as an international student can be a rewarding experience, but it’s important to plan your finances carefully. On average, the cost of living in Finland is approximately €1,350 (₹1,20,400) per month. This amount typically includes essential expenses such as accommodation, transportation, utilities, and other daily needs.

Below is a detailed breakdown of the key expenses to give you a clearer picture:

Expenses	Estimated Monthly Cost (€)	Estimated Monthly Cost (₹)
Accommodation	€750	₹66,888.90
Grocery	€300	₹26,755.56
Transportation	€75	₹6,688.89
Miscellaneous	€200	₹17,837.04
Phone and Internet Services	€30	₹2,675.56

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City-Wise Cost of Living in Finland

The cost of living in Finland varies depending on the city you choose to reside in. Larger cities like Helsinki tend to be more expensive compared to smaller towns like Tampere or Oulu. Below, we’ve outlined the average living expenses for popular cities among international students to help you budget effectively.

1. Cost of Living in Helsinki

Helsinki, the capital of Finland, is a dynamic city that blends modern architecture with rich history and abundant green spaces. Known for its cosmopolitan vibe and relaxed lifestyle, the city is home to a thriving cultural scene with bustling cafes, art galleries, and music festivals. It also hosts the prestigious University of Helsinki, attracting approximately 40,000 international students annually.

Below is a detailed breakdown of the average monthly cost of living in Helsinki:

Expenses	Estimated Monthly Cost (€)	Estimated Monthly Cost (₹)
Accommodation	€1,200	₹1,07,287.20
Grocery	€350	₹31,292.10
Transportation	€100	₹8,940.60
Miscellaneous	€300	₹26,821.80
Phone and Internet Services	€35	₹3,129.21

2. Cost of Living in Lapland

Lapland, known for its stunning Arctic landscapes and untouched wilderness, is a dream destination for adventure enthusiasts. It offers a wide range of outdoor activities such as snowboarding, skiing, and snowmobiling, making it a haven for thrill-seekers. Beyond its natural beauty, Lapland is home to the indigenous Sami tribe, giving students a unique chance to experience rich cultural traditions. Here is the average monthly cost of living in Lapland:

Expenses	Estimated Monthly Cost (€)	Estimated Monthly Cost (₹)
Accommodation	€600	₹53,643.60
Grocery	€250	₹22,351.50
Transportation	€50	₹4,470.30
Miscellaneous	€150	₹13,410.90
Phone and Internet Services	€25	₹2,235.15

3. Cost of Living in Rovaniemi

Rovaniemi, often called the ‘Hometown of Santa Claus,’ is famous for its year-round Christmas-themed attractions. It’s a popular tourist spot and the gateway to the beautiful Lapland wilderness. Visitors can enjoy unique experiences like husky safaris and the mesmerizing northern lights. But how much does it cost to live in this magical town? Let’s take a look at the average cost of living in Rovaniemi.

Expenses	Estimated Monthly Cost (€)	Estimated Monthly Cost (₹)
Accommodation	€650	₹58,113.90
Grocery	€250	₹22,351.50
Transportation	€60	₹5,364.36
Miscellaneous	€180	₹16,093.08
Phone and Internet Services	€25	₹2,235.15

4. Cost of Living in Tampere

Tampere is Finland’s third-largest city and a vibrant cultural center. Known as the ‘Manchester of Finland’ due to its industrial roots, Tampere is beautifully situated between the Näsijärvi and Pyhäjärvi lakes, offering stunning views. The city is also home to many international students, contributing to its lively atmosphere. Here’s an overview of the estimated cost of living in Tampere.

Expenses	Estimated Monthly Cost (€)	Estimated Monthly Cost (₹)
Accommodation	€750	₹67,054.50
Grocery	€300	₹26,821.80
Transportation	€75	₹6,705.45
Miscellaneous	€200	₹17,881.20
Phone and Internet Services	€30	₹2,682.18

5. Cost of Living in Vaasa

Vaasa offers a peaceful and relaxed lifestyle, making it an ideal spot for international students. This charming coastal town is known for its strong Swedish cultural influences. In addition to its rich history, Vaasa is close to UNESCO World Heritage sites like the Kvarken Archipelago. If you’re looking to experience Finnish culture while enjoying sunny beach days and balancing your studies, Vaasa could be the perfect place. Here’s a breakdown of the cost of living in Vaasa, Finland, to help you plan your stay while pursuing your education.

Expenses	Estimated Monthly Cost (€)	Estimated Monthly Cost (₹)
Accommodation	€700	₹62,584.20
Grocery	€300	₹26,821.80
Transportation	€70	₹6,258.42
Miscellaneous	€180	₹16,093.08
Phone and Internet Services	€30	₹2,682.18

How to Manage the Cost of Living in Finland as an International Student?

Managing your cost of living in Finland as an international student can be challenging, especially with the currency exchange rate. However, with careful planning, you can make your budget work. Here are some practical tips to help you manage your expenses:

• Accommodation: Accommodation often takes up a large portion of your monthly budget. To save on rent and maintenance costs, consider sharing a flat with a roommate or living in student dormitories or hostels. These options can significantly reduce your accommodation expenses.
• Work Part-Time: Finland allows international students to work part-time during their studies. Depending on the industry, you can earn between €8-€12 (₹715.25 – ₹1,072.87) per hour. This can be a great way to earn extra money and ease your financial burden.
• Transportation: Instead of relying on private transport, use public buses and trains, which are more affordable. Additionally, cycling is a cost-effective way to cover short distances and explore the city.
• Meals: Cooking your meals at home is much cheaper than eating out at restaurants. Plus, home-cooked meals are healthier and allow you to control your ingredients and portion sizes, making them a better option for your budget in the long run.

Also Read: How To Get a Scholarship to Study Abroad

Conclusion

The cost of living in Finland can vary depending on the city, your daily expenses, and the lifestyle you choose. However, this blog has provided a helpful overview of basic costs, including accommodation, groceries, and other essentials. By using this information, you can create a sensible budget before you move, allowing you to save money and manage your finances more effectively. If you’re considering studying in Europe, be sure to check out our guide on the best European countries to study.

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