Know when the price of a home is right.
Prices of older flats in August 2026 were 3,3 % below the level of a year earlier nationwide, and clearly fewer transactions were made than last year. Buying has nevertheless become easier: the loan cap is 95 % for all buyers from 1.7.2026, and the maximum loan term for a housing loan was extended to 40 years on 1.6.2026. Interest rates have risen in the autumn: the 12-month Euribor was around 3,2 % at the beginning of October.
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Housing Radar in numbers
Price per square metre and sales by city, Q2 2026
The average price per square metre of older flats (blocks of flats and terraced houses), the annual change in the price index and the number of transactions, from transfer tax data for April–June 2026. Preliminary data.
| Area | Average price per square metre €/m² | Annual change | Transactions (pcs) |
|---|---|---|---|
| Whole country | 2 465 | −3,9 % | 14 392 |
| Helsinki metropolitan area | 4 234 | −4,2 % | 3 328 |
| Whole country excl. Helsinki metropolitan area | 1 755 | −3,5 % | 8 778 |
| Helsinki | 4 916 | −4,3 % | 1 986 |
| Espoo–Kauniainen | 3 806 | −3,6 % | 811 |
| Vantaa | 2 639 | −4,9 % | 531 |
| Tampere | 2 896 | −3,3 % | 895 |
| Turku | 2 650 | −3,4 % | 608 |
| Oulu | 2 172 | −0,9 % | 574 |
| Jyväskylä | 1 870 | −6,0 % | 409 |
| Kuopio | 1 966 | −3,1 % | 326 |
| Lahti | 1 561 | −5,2 % | 408 |
| Pori | 1 376 | −7,7 % | 202 |
| Joensuu | 1 777 | −4,9 % | 194 |
| Vaasa | 2 077 | −2,4 % | 181 |
| Rovaniemi | 1 974 | +6,0 % | 250 |
Source: Statistics Finland, StatFin 15is (prices of dwellings in housing companies, 2026Q2*)
Latest month: August 2026
Average price per square metre of older flats, annual change, transactions made through estate agents and average time to sell in August 2026. Preliminary data.
| Area | Price per m² (€) | Annual change | Transactions through brokers | Selling time (days) |
|---|---|---|---|---|
| Whole country | 2 562 | −3,3 % | 3 090 | 119 |
| Helsinki metropolitan area | 4 286 | −3,5 % | 865 | 108 |
| Whole country excl. Helsinki metropolitan area | 1 846 | −3,0 % | 2 225 | 124 |
| Helsinki | 5 027 | −3,7 % | 545 | 106 |
| Espoo–Kauniainen | 3 800 | −3,0 % | 197 | 113 |
| Vantaa | 2 645 | −3,2 % | 123 | 108 |
| Surrounding municipalities | 2 066 | +3,2 % | 181 | 118 |
| Tampere | 3 052 | −0,9 % | 231 | 108 |
| Turku | 2 828 | −3,3 % | 164 | 132 |
| Oulu | 2 144 | +2,0 % | 180 | 109 |
Home purchase costs and loan terms 2026
The buyer's tax rates, loan rules and interest rate level in October 2026.
| Subject | Now | Note |
|---|---|---|
| Transfer tax, housing company share | 1,5 % | Of the debt-free price; payable within 2 months, immediately at the sale if through an agent |
| Transfer tax, real estate (e.g. detached house with plot) | 3 % | On the purchase price |
| First-home transfer tax exemption | removed | Repealed on 1.1.2024; applies only to sales made by 31.12.2023 |
| Loan-to-value cap | 95 % | All buyers from 1 July 2026; own funding at least 5% |
| Maximum loan period | 40 v | New mortgages from 1.6.2026 |
| Average loan term | 25 y 3 mo | New owner-occupied housing loans in July 2026 |
| Average interest rate on new mortgages | 3,28 % | July 2026 |
| 12-month Euribor | 3,19 % | Early October 2026 |
| ECB deposit rate | 2,50 % | From 16.9.2026 |
Source: Finnish Tax Administration; Financial Supervisory Authority; Finnish Government; Bank of Finland
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Compare three homes by debt-free price, maintenance charges and renovations, and bring the checklist along on screen.
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Rental yield calculation and 9 Word templates: termination, rent increase, warning, deposit, move-out inspection.
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Loan calculator and repayment plan
Monthly instalment, interest and costs, full repayment schedule, interest rate scenarios and comparison of two offers.
For those considering a loan and borrowers
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Transfer tax 2026: how much, when and how to pay
Transfer tax is 1,5 % on housing company shares and 3 % on real estate. See calculation examples, payment deadlines, rules for new-build homes and the consequences of late payment.
Read the guide →Condition inspection before buying a home: what to check and who is responsible
What a condition inspection tells you, when a more detailed condition survey is needed and what the buyer must find out before buying a detached house or share-based home.
Read the guide →Buying a first home 2026: ASP, transfer tax and state guarantee
Buying a first home 2026: new ASP from 1.6.2026, maximum loan amounts, the end of first-home tax exemption and the terms of the state guarantee.
Read the guide →Maintenance charge and financing charge: what they are and how they affect things
What do the housing company charge, maintenance charge and financing charge mean? See what they are based on, how the housing company loan shows up in the price and how the charges are taxed.
Read the guide →Deadlines and dates
Housing Radar reminds its subscribers of these by email.
- Share-based flat prices: September and Q3 2026
Statistics Finland publishes the September price data and the city-specific prices per square metre for July–September.
Source - ECB interest rate decision
European Central Bank monetary policy meeting and press conference; affects expectations for Euribor rates.
Source - Property prices, Q3 2026
Statistics Finland's statistics on prices of detached houses and plots.
Source - Share-based flat prices, October 2026
Statistics Finland's monthly publication on the prices and sales of old dwellings in housing companies.
Source - ECB interest rate decision
The year's last monetary policy meeting.
Source - Share-based flat prices, November 2026
Statistics Finland's monthly publication.
Source - ECB interest rate decision
Monetary policy meeting and press conference.
Source - ECB interest rate decision
Monetary policy meeting and press conference.
Source
No upcoming dates right now.
Frequently asked questions: Housing Radar
How much have housing prices fallen in 2026?
Prices of older flats in August 2026 were 3,3 % lower nationwide and 3,5 % lower in the Helsinki metropolitan area than a year earlier (Statistics Finland). Exceptions included Oulu and Rovaniemi, where prices rose.
What is the average price per square metre of homes in Helsinki?
The average price per square metre of older flats in Helsinki was 5 027 €/m² in August 2026, which is 3,7 % less than a year earlier. The nationwide average was 2 562 €/m² at the same time.
How much does a square metre of housing cost in Tampere and Turku?
In August 2026 the average price per square metre of an old owner-occupied dwelling was 3 052 €/m² in Tampere and 2 828 €/m² in Turku (Statistics Finland, preliminary data). Prices by postcode area can be checked in Statistics Finland's StatFin database.
How long does selling a home take now?
The average selling time of homes sold through real estate agents was 119 days nationwide in August 2026. In the Helsinki metropolitan area it was 108 days and in Turku 132 days.
Where can I find actual housing sale prices?
The housing sales section of the Ministry of the Environment's asuntojen.hintatiedot.fi service has been closed. Realised prices can be found from Statistics Finland (also by postcode area) and from the KVKL price monitoring service; the next Statistics Finland price release is on 28.10.2026.
How much own contribution is needed for a mortgage in 2026?
The Financial Supervisory Authority raised the loan cap to 95 % for all buyers from 1.7.2026, so own funds of at least 5 % of the purchase price are needed. Previously, buyers other than first-home buyers were required to have 10 %.
Can you take out a 40-year mortgage?
Yes. The maximum loan term for new mortgages was extended from 30 years to 40 years on 1.6.2026. In July 2026 the average loan term of new home loans was 25 years 3 months (Bank of Finland).
How much is transfer tax?
In the sale of housing company shares, the transfer tax is 1,5 % of the debt-free price, and in the sale of real property 3 %. The tax must be paid within two months, and in a sale made through an agent immediately at the time of the transaction.
Is a first home exempt from transfer tax?
Not any more. The first-time buyer's transfer tax exemption was repealed on 1.1.2024, and it applies only to purchases agreed on binding terms by 31.12.2023 at the latest (Finnish Tax Administration).
What is Euribor and what is the home loan interest rate now?
The 12-month Euribor was about 3,19 % at the beginning of October 2026, and the ECB deposit rate is 2,50 % from 16.9.2026. The average rate on new home loans in July was 3,28 % (Bank of Finland).
How much have detached house prices fallen?
Prices of older detached houses in April–June 2026 were 3,6 % lower than a year earlier (Statistics Finland 27.8.2026). The next quarterly release is on 18.11.2026.
How to use the information
- Compare the property's asking price with realised prices per square metre in your postcode area from Statistics Finland's database – the asking price is not the same as the sale price.
- Selling times are long (about 119 days on average nationwide in August 2026), so there is often room to negotiate the price.
- Note that the housing transactions section of the Ministry of the Environment's asuntojen.hintatiedot.fi service has been closed; realised prices can now be found from Statistics Finland and KVKL.
- Calculate the total cost: debt-free price, share of the housing company loan, maintenance and financing charges, and future renovations (ask for the maintenance needs assessment).
- Follow the ECB's interest rate decisions and the Euribor – they directly affect the monthly instalment of a variable-rate loan.
- From 1.7.2026 the loan-to-value cap is 95 % for everyone, so your own funding is needed for at least 5 % of the purchase price. The bank may still require more collateral.
- A longer loan term reduces the monthly instalment, but more interest accrues. Compare the total interest over 25, 30 and 40 years before you choose.
- The transfer tax exemption for first-time home buyers ended on 1.1.2024. Budget 1,5 % tax for a share-based dwelling purchase and 3 % for a real estate purchase.
- The ECB raised its deposit rate to 2.50% in September 2026, and the 12-month Euribor was about 3.2% at the beginning of October. Test whether your finances can withstand a 6% interest rate.
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Sources (15)
- Statistics Finland: Prices of dwellings in housing companies 2026, August (29.9.2026)
- Statistics Finland: Prices of dwellings in housing companies 2026, 2nd quarter (28.7.2026)
- Statistics Finland StatFin 15is
- Statistics Finland StatFin 15iq
- KVKL: August 2026 housing market review
- ECB: meeting calendar
- asuntojen.hintatiedot.fi (closure notice)
- Statistics Finland: Property prices, 2nd quarter 2026 (27.8.2026)
- Bank of Finland: Interest rates
- Bank of Finland 28.8.2026: The number of housing loans with longer repayment periods has increased
- Finnish Government: Housing finance regulation to become more flexible and be reformed (in force 1.6.2026)
- Finance Finland 30.6.2026: Financial Supervisory Authority eases access to home loans
- Nordea: Home loan cap (95% from 1.7.2026)
- Finnish Tax Administration: Transfer tax, buyer of a housing company share
- Finnish Tax Administration: Transfer tax exemption for a first home
The information has been compiled from public sources on 6.10.2026. Always check the current terms from the original source. The information is not investment, loan or legal advice.