Affordable towns in Finland combine peaceful living with beautiful surroundings.
Discovering Finland on a Budget
When you think of Finland, stunning landscapes, clean cities, and high standards of living probably come to mind. But many potential expats and locals alike often wonder — where is the cheapest place to live in Finland? After all, while Finland ranks high in quality of life, costs can vary significantly from city to city.
If you’re planning a move, retiring, studying, or just want to experience Finnish life without breaking the bank, this guide is for you. From rent and groceries to public transport and healthcare, we’ll explore the cities where your euro goes the furthest.
Let’s uncover the top budget-friendly places in Finland where affordability meets comfort, and where your lifestyle doesn’t have to be sacrificed for savings.
1. Kajaani – A Hidden Gem of Affordability
Located in the Kainuu region of central Finland, Kajaani is a lesser-known yet incredibly affordable city. The average monthly rent for a one-bedroom apartment in Kajaani is significantly lower than in major urban areas like Helsinki or Turku — sometimes under €500.
But Kajaani isn’t just cheap — it’s rich in culture, nature, and opportunity. Surrounded by forests, lakes, and ski trails, it’s perfect for outdoor enthusiasts. The city also has strong infrastructure, excellent public services, and an easygoing pace of life.
Why Kajaani is great for budget living:
- Affordable housing and utilities
- Low cost of transport and groceries
- Beautiful natural surroundings with free outdoor activities
- Strong local services and family-friendly atmosphere
2. Joensuu – Student-Friendly and Surprisingly Affordable
Joensuu, located in eastern Finland, is home to the University of Eastern Finland. This makes it a popular choice for students and international residents seeking affordable housing, active community life, and low living expenses.
Public transportation is reliable and low-cost, while many cultural activities are subsidized or free. Rent prices are reasonable even in city-center apartments, and access to student discounts further lowers everyday costs.
Cost-friendly highlights in Joensuu:
- Rent averages €550–€700/month for 1-bedroom apartments
- Public health and childcare services are highly rated
- Groceries and dining out are cheaper than the national average
- Great mix of urban conveniences and rural peace
3. Kemi – Affordable Living by the Sea
If coastal charm and affordability top your list, Kemi could be your dream destination. Located in Finnish Lapland by the Gulf of Bothnia, Kemi offers some of the lowest rents in the country — often below €450 for a one-bedroom apartment.
Kemi’s local government has invested in renewable energy and housing infrastructure, meaning residents get a quality lifestyle without high costs. Though small, Kemi is well-connected by train and offers peaceful, community-oriented living.
Why Kemi is a smart budget choice:
- Very low housing costs
- Free and scenic coastal recreation
- Local markets and services are budget-friendly
- Peaceful, family-friendly environment
4. Mikkeli – Affordable Living in the Lake District
Mikkeli, located in the heart of the Finnish Lakeland, is both picturesque and economical. Residents here enjoy lakeside living without high city costs. Renting a one-bedroom apartment in Mikkeli ranges from €450–€600 per month.
This city is especially appealing for families and remote workers who want affordability combined with great quality of life. It’s also well-connected, with regular train services to Helsinki.
Budget perks of living in Mikkeli:
- Cheap rents and low utility costs
- Access to clean lakes and parks for free recreation
- Quiet, low-stress environment
- Reliable public services and infrastructure
5. Pori – A Coastal Town with Low Costs and High Quality
Pori, on Finland’s west coast, is known for its vibrant jazz festival and long beach, Yyteri. But it’s also gaining a reputation as one of the most affordable places to live in the country.
Renting is inexpensive, food costs are manageable, and there’s a growing job market in services, tourism, and creative industries. Pori balances affordability with a lively cultural scene — perfect for young professionals, artists, and families alike.
Why Pori stands out:
- Rent for a one-bedroom apartment starts at €500/month
- Strong healthcare and public schooling systems
- Excellent work-life balance
- Access to coastal lifestyle without big-city prices
Final Thoughts: Where Should You Move?
When it comes to affordable living in Finland, each city offers a unique flavor. If you’re a nature-lover, Kajaani or Mikkeli might be ideal. Prefer a youthful, vibrant setting? Joensuu could be your match. For coastal calm, Kemi and Pori are excellent options.
While affordability is key, these cities don’t compromise on comfort or community. They prove you can live well in Finland — even on a budget.
Need Help Relocating? Ivdee Travels Is Here for You
Whether you’re considering Kajaani, Kemi, or any of Finland’s affordable gems, Ivdee Travels is your trusted relocation partner. We specialize in helping expats, students, and families transition smoothly into life in Finland.
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Let’s help you find your ideal (and affordable) Finnish home — without the stress.
