Running costs and taxes for homeowners in Finland
Property tax, company charges, energy and maintenance.
Applies to: Finland. Reviewed 2026-09-25.
Key takeaways
- Owners of real estate pay property tax to the municipality.
- In a housing company, the company pays property tax and it is included in the charges.
Property tax
Property tax is levied on land and buildings. The municipality sets the rates within the limits laid down by law.
Running costs
- Charges in a housing company.
- Heating: district heating, heat pump, electricity or oil.
- Water, waste and chimney sweeping.
- Home insurance, and for detached houses buildings insurance too.
Questions to ask
- What were last year's electricity and heating costs?
Red flags
- Oil heating or old direct electric heating with no consumption figures.
Sources
- Property tax (Verohallinto)