🇫🇮 Finland

Property Taxes and Buying Costs in Finland

Budget 1.5–2.5% on top of the price for a resale apartment. On a 60 m² apartment in Helsinki (about €372,000) that is roughly €5,580–€9,300.

Costs when you buy

Transfer tax (varainsiirtovero)
1.5% of price for housing company shares; 3% for real estate
Due within 2 months of signing.
Agent commission
Usually paid by the seller
New builds
No VAT on the sale; the first purchase of a new apartment from the developer is exempt from transfer tax

Costs while you own

Property tax (kiinteistövero)
Included in the housing company's monthly maintenance charge for apartments

Tax on rental income

Non-residents pay capital income tax on net rental income at 30% (34% on the part above €30,000).

Frequently Asked Questions

What taxes do you pay when buying property in Finland?↓
Transfer tax (varainsiirtovero): 1.5% of price for housing company shares; 3% for real estate. Agent commission: Usually paid by the seller. New builds: No VAT on the sale; the first purchase of a new apartment from the developer is exempt from transfer tax.
What are total closing costs in Finland?↓
Typically 1.5–2.5% of the purchase price for a resale apartment.
How is rental income taxed in Finland for non-residents?↓
Non-residents pay capital income tax on net rental income at 30% (34% on the part above €30,000).
Buying property in Finland: step-by-step guide →
Property prices in Finland →Apartments for sale in Finland →Rental yield calculator →

Last reviewed 2026-10. General information, not tax or legal advice: rates change and often depend on region and buyer status, so confirm with a local notary, lawyer or tax adviser. Sources: Vero: Buying a home.