Find a rental apartment. Or a tenant.
Unsubsidised rents have stagnated: across the country, they rose by only 0.1% year-on-year from April to June 2026, and in the capital region they fell by 0.3%. ARA rents are rising faster, by 1.8% year-on-year. The Rent Act was reformed on 1.10.2026: in new agreements, the landlord's notice period is a maximum of four months, and smoking is prohibited in the apartment unless otherwise agreed. This page also collects tax rules for rental income for landlords.
In Rental Radar, the landlord and tenant report free of charge. Additionally, the area's rental level, free rental agreement template, and changes to the Rental Act 2026.
- Those looking for a rental apartment
- Landlords: taxation of rental income and rental law rules
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Rental agreement template
Copyable template and Word template for residential rental agreement 2026.
FreeNotice of Termination
Tenant's notice of termination template and notice periods.
FreeDeposit Refund Request
Sample message for refund of rental deposit and deadlines.
FreeRent Increase Inquiry
Sample message for checking the grounds for increase.
ToolLandlord's calculation and document templates
Rental income in Excel + 9 Word templates: termination, rent increase, warning, deposit, moving inspection.
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Moving notices, agreements and schedules on one list.
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Unsubsidised apartment rents by city
Average rent per square metre (€/m²/month) for all valid rental agreements in April–June 2026 and the annual change in the rent index. The figure for Espoo includes Kauniainen.
| Area | All apartments €/m² | Studios €/m² | Two-room apartments €/m² | Year-on-year change |
|---|---|---|---|---|
| Whole country | 15,94 | 20,46 | 15,04 | +0,1 % |
| Helsinki region | 20,11 | 25,54 | 19,27 | −0,3 % |
| Rest of Finland (excl. Helsinki region) | 13,88 | 17,87 | – | +0,4 % |
| Helsinki | 21,34 | 26,71 | 20,37 | −0,2 % |
| Espoo–Kauniainen | 18,82 | 23,77 | 18,29 | 0,0 % |
| Vantaa | 17,80 | 23,03 | 16,97 | −1,2 % |
| Tampere | 16,94 | 21,06 | 15,81 | +1,0 % |
| Turku | 15,63 | 19,57 | 14,87 | +0,7 % |
| Oulu | 14,20 | 18,05 | 13,83 | −0,2 % |
| Jyväskylä | 14,65 | 18,98 | 13,76 | 0,0 % |
| Kuopio | 14,98 | 19,66 | 14,25 | +0,2 % |
| Lahti | 13,34 | 16,82 | 12,90 | −0,2 % |
| Pori | 10,91 | 13,82 | 10,62 | +0,6 % |
| Joensuu | 14,39 | 18,32 | 13,77 | +1,1 % |
| Vaasa | 13,15 | 17,40 | 12,70 | +1,3 % |
| Rovaniemi | 14,55 | 18,66 | 14,35 | +2,0 % |
Source: Statistics Finland, StatFin 15fa (rents of dwellings, 2026Q2)
Non-subsidised vs. ARA rents
Average rent per square metre and year-on-year change by financing type, 2nd quarter 2026.
| Area | Non-subsidised €/m² | Change | ARA €/m² | Change |
|---|---|---|---|---|
| Whole country | 15,94 | +0,1 % | 13,47 | +1,8 % |
| Helsinki region | 20,11 | −0,3 % | 15,20 | +2,0 % |
| Rest of Finland (excl. Helsinki region) | 13,88 | +0,4 % | 12,44 | +1,7 % |
| Helsinki | 21,34 | −0,2 % | 15,30 | +2,1 % |
| Tampere | 16,94 | +1,0 % | 13,83 | +1,8 % |
| Turku | 15,63 | +0,7 % | 13,31 | +2,6 % |
Source: Statistics Finland, StatFin 15fa
Taxation of Landlord 2026
Key tax rules for long-term residential renting for private individuals. Source: Tax Administration's guide Taxation of Rental Income (in force from 12.1.2026). Rental activities carried out as business operations are taxed under different rules.
| Batch | Rule | Source |
|---|---|---|
| Type of Rental Income | Capital income (TVL 32 §), also from multiple apartments | Tax Administration |
| Tax Rate | 30 %, 34 % for the part exceeding 30 000 € | Taxpayers |
| When taxed | Rental income is taxed in the year it was paid | Taxpayers |
| Maintenance charge, water fee, property tax | Deducted from rental income | Taxpayers |
| Financing charge | Deducted if the housing company records it as income; if it is activated, it is added to the acquisition cost of the shares | Tax Administration |
| Annual adjustment | A correction to restore the previous level is deducted at once in the payment year | Tax Administration |
| Basic renovation | Activated and depreciated; renovation of a shareholder-owned apartment is depreciated evenly over 10 years | Tax Administration |
| Furnished apartment | Schematic deduction of 40 €/month (studio or one room) or 60 €/month (two-room or larger), or actual expenses | Tax Administration |
| Furniture and appliances | Depreciation of up to 25 % of the cost remainder; purchases under 1 200 € at once | Tax Administration |
| Residential building (e.g. detached house) | Deduction of up to 4% of expenses | Tax Administration |
| Rental apartment loan interest | Deductible from capital income as interest on income-generating loan once the apartment is in rental use | Taxpayers |
| Rental deposit | No income received; income if used to cover unpaid rent | Tax Administration |
| Short-term rental | May be business activity if similar to business operations (profit-seeking, continuity, large customer base) | Tax Administration |
Key rules of rental agreement from 1.10.2026
The law on renting a residential apartment was reformed on 1.10.2026 (HE 33/2026). The table shows the most important rules for both the tenant and the landlord. Check the terms of your own agreement.
| Matter | Rule | Source |
|---|---|---|
| Rental deposit | Up to three months' rent | Financial management / law 481/1995 8 § |
| Landlord's notice period, new agreements | 4 months if the rental relationship has lasted continuously for at least 2 years; otherwise 3 months | Kiinteistöliitto, YmVM 8/2026 |
| Agreements made before 1.10.2026 | The new notice period only applies to agreements made after the law came into force | YmVM 8/2026 |
| Tenant's notice period | 1 month, unchanged | Suomen Vuokranantajat |
| Smoking | Prohibited unless otherwise agreed; also applies to existing agreements | Kiinteistöliitto |
| Electronic notifications | Termination and cancellation notices and warnings can be submitted electronically if the electronic channel has been agreed upon in writing | Kiinteistöliitto, YmVM 8/2026 |
| Contract types | Fixed-term, indefinite or continuing after a minimum period contract | Suomen Vuokranantajat |
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Landlord's calculation and document templates
Rental income calculator and 9 Word templates: termination, rent increase, warning, deposit, move-out inspection.
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Rental agreement 2026: what the new rental law changed on 1.10.2026
Rental law was reformed on 1.10.2026: notice periods shortened, smoking banned and notifications can be given electronically. This is how the changes affect.
Read the guide →Rental apartment search: how much rent and deposit are allowed
How much a rental apartment costs in different cities in 2026, how much deposit is allowed and when it is returned. Tips for searching for a rental apartment.
Read the guide →General housing allowance 2026: who gets it, how much and how to apply
General housing allowance 2026: who can get support, how Kela calculates the amount, municipalities' maximum housing costs, wealth limit and application in OmaKela.
Read the guide →Rental income and taxation of investment apartment 2026
How rental income is taxed in 2026: capital income tax, deductible expenses, financing charge, depreciation and calculation of rental income.
Read the guide →Termination of rental agreement: template and notice period
Termination of rental agreement 2026: notice periods for tenant and landlord, written form, electronic notification and copiable template message.
Read the guide →Return of deposit: template for claim and deadlines
When the deposit must be returned, what can be deducted from it and how to claim a refund. Includes a template message and instructions for dispute situations.
Read the guide →Rent increase 2026: how much rent can be increased and when
Rent increase 2026: increase condition, contract valid until further notice, 1.10.2026 update, cost of living index and sample message for checking the increase.
Read the guide →Rent agreement template: free template for residential rent agreement 2026
Free rent agreement template 2026: what to include in a residential rent agreement after the law change on 1.10.2026 and a copyable agreement template.
Read the guide →Related topics on other radars
- Housing calculator: how much does housing cost in your area? · Housing radar
- Loan calculator: monthly payment and total loan cost · Loan radar
- Buffer fund: how much savings should you have for a rainy day? · Money radar
- Renovation cost calculator: how much does a renovation cost? · Renovation radar
- Real estate transfer tax 2026: how much, when and how is it paid · Housing radar
Deadlines and dates
Rent radar reminds its subscribers of these by email.
- Rents of apartments, 3rd quarter 2026
Statistics Finland publishes rent data for July-September and new square meter rents by city.
Source - Last tax decisions for 2025
The Tax Administration has submitted the last tax decisions for 2025. Check that your rent income and deductions are correct.
Source - Tax refunds to account
Year-end tax refunds will be paid to those whose tax assessment ended in October.
Source - Changes to housing costs limits for social assistance
The municipality-specific maximum housing costs allowed by Kela's social assistance will increase or decrease in several municipalities. The change does not affect general housing support.
Source - Additional advance payment for rental income in 2026
When additional advance payment is paid for 2026 income by 31.1.2027 at the latest, no interest will be accrued on the remaining tax.
Source
No upcoming dates at the moment.
Frequently asked: Vuokratutka
What is the average rent in Helsinki?
The average rent per square metre for non-subsidised rental apartments in Helsinki was €21.34/m²/month from April to June 2026 (Statistics Finland). For one-room apartments, the rent per square metre was €26.71 and for two-room apartments €20.37.
Will rents rise in 2026?
Non-subsidised rents rose by only 0.1% year-on-year in April-June 2026 across the country, and in the Helsinki region they fell by 0.3%. ARA rents rose faster, by 1.8%.
How much does a rental apartment cost in Tampere and Turku?
The average rent per square metre for a non-subsidised rental apartment was €16.94 in Tampere and €15.63/m²/month in Turku from April to June 2026. For one-room apartments, the figures were €21.06 and €19.57/m².
What is an ARA rental apartment?
ARA apartments are state-subsidised rental apartments, with an average rent per square metre of €13.47/m²/month across the country from April to June 2026, compared to €15.94 for non-subsidised apartments. They can be applied for from cities' own rental companies, such as Heka, VTS-kodit or TVT.
How do I know if the requested rent is reasonable?
Calculate the rent by multiplying the apartment's square metres by the average rent per square metre in the area: for example, a 30 m² one-room apartment in Helsinki × €26.71 = approximately €800/month (2nd quarter 2026). In new rental agreements, the rent is usually slightly higher than the average; the next figures will be published on 15.10.2026.
How high can the rental deposit be?
The security deposit can be a maximum of three months' rent (law on renting a residential apartment, section 8). The deposit will be returned after the rental agreement has ended, if the tenant has no unpaid rent or damages to be compensated.
Is smoking allowed in a rental apartment?
From 1.10.2026 onwards, smoking is prohibited in rental apartments, unless otherwise agreed in the rental agreement. This change also applies to existing agreements (Kiinteistöliitto).
How is rental income taxed?
Rental income is capital income, which is taxed at 30% and 34% for the part exceeding €30,000. The costs of acquiring the rental income, such as maintenance charges, water bills, and annual repairs, can be deducted from the rental income. The rental income is taxed in the year it was paid.
What can a landlord deduct from taxes?
Deductible expenses include, for example, maintenance charges, water bills, property tax, insurance, annual repairs, brokerage fees, and financing costs under certain conditions. For a furnished apartment, a flat rate of €40 or €60/month can be deducted. The interest on a loan for a rental apartment can be deducted from capital income when the apartment is in rental use. Loan repayments are not deductible.
What is the notice period for a landlord in 2026?
In agreements made after 1.10.2026, the notice period for a landlord is four months if the rental agreement has lasted continuously for at least two years, and otherwise three months. Previously, the notice period was six months for agreements lasting over a year. The notice period for a tenant remains one month.
Is the security deposit taxable income for the landlord?
No, when it is received. If the deposit covers unpaid rent, it is rental income. The portion withheld for damage compensation is tax-free compensation, and repair costs can only be deducted for the part exceeding the compensation (Verohallinto).
Is short-term rental (e.g. Airbnb) business activity?
It can be. According to the Tax Administration, short-term rental is taxed as business activity if it has characteristics of business, such as profit-making, planning, continuity and a large customer base. In occasional furnished rental, the standard equipment deduction is €1.30-2.00 per day.
This is how you benefit from the information
- Compare the requested rent to the area's average rent per square meter: multiply the apartment's square meters by the table's figure. In new rentals, the rent is usually slightly higher than the average.
- The rent per square meter for a one-room apartment is clearly more expensive than for a two-room apartment – in Helsinki, €26.71 vs. €20.37/m². A larger apartment can be cheaper per square meter.
- In the capital region, rents have fallen from last year, so it's worth negotiating the rent, especially if the apartment has been advertised for a long time.
- Also check the cities' own rental companies: ARA rents are on average about €2.5/m² cheaper than non-subsidized rents.
- Check the rent increase clause (e.g. binding to the cost-of-living index) and the amount of the deposit before signing the contract.
- Make a written rental agreement and agree on an electronic channel for notifications at the same time. As of 1.10.2026, a notice of termination can be delivered electronically if it has been agreed upon in writing.
- Check if the contract includes an agreement on smoking: if not, smoking in the apartment is prohibited as of 1.10.2026.
- Distinguish between receipts for annual repairs and basic renovations: annual repairs are deducted at once in the tax year, basic renovations as depreciation.
- Do you rent a furnished apartment? The schematic deduction is €40/month for a studio and €60/month for a larger apartment without receipts.
- No tax is withheld from rental income. Apply for prepayment in OmaVerossa or pay an additional prepayment by January 31st of the following year, so that no interest is accrued on the final tax.
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Sources (16)
- Statistics Finland: Rents of dwellings 2026, 2nd quarter (16.7.2026)
- Statistics Finland StatFin 15fa: Rent index and average rents
- Statistics Finland: Rents of dwellings 2025 (15.1.2026)
- Statistics Finland: publication calendar (api.stat.fi)
- Statistics Finland: The number of households living in rented dwellings increased slightly in 2024 (9.10.2025)
- Tax Administration: Taxation of rental income (12.1.2026)
- Taxpayers: Tax percentages for capital income
- Taxpayers: How rental income is taxed
- Taxpayers: Deducting interest on loans for investment properties
- Real Estate Association: The law on renting a residential apartment will be renewed (4.8.2026)
- Environmental Committee's report YmVM 8/2026 (HE 33/2026)
- Finnish Landlords: The Rent Act will be updated
- Economic skill: Rental guarantee protects the landlord
- Economic skill: With an additional advance, you can avoid back tax interest (19.1.2026)
- STM: Housing costs for social assistance for 2027 (27.8.2026)
- Tax Administration: Important dates for individual customers 2026
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.
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