Average monthly costs

Below is a rough guide to average monthly living costs for a student in Finland. Heating, electricity and water (which you can drink straight from the tap) are generally included in rental costs.

Student accommodation

EUR 280 to EUR 500/month


EUR 200 to EUR 300/month

Local transportation

EUR 20 to EUR 50/month

Miscellaneous costs

EUR 100 to EUR 200/month


EUR 600 to EUR 1050

Read more on living costs in Finland.


Our member universities are in Finnish cities where rental costs are often much lower than in the capital, Helsinki. These cities provide many options for affordable student accommodation.

You can find out more from each of our member universities:

University of Eastern Finland   Tampere University   University of Turku   Åbo Akademi University

Residence permit applications

Citizens of the European Economic Area (i.e. the EU member states plus Iceland, Liechtenstein, Norway and Switzerland) are not required to have a Finnish residence permit to study in Finland.

Citizens of any other country need a Finnish residence permit for studies lasting longer than 90 days. For this permit to be granted, the Finnish Immigration Service requires that students have funds of at least EUR 560 per month for the duration of their studies, and health insurance with coverage of at least EUR 30,000 per year

Tuition fees and scholarships

Students from outside the EU member states or Iceland, Liechtenstein, Norway and Switzerland are required to pay tuition fees for each semester of study in Finland.

Read more on who is eligible to pay tuition fees.

At our member universities, tuition fees vary between EUR 8,000 and EUR 16,000 per study year. Scholarships are available to help students and we encourage you to apply for those. The number and structure of scholarships varies, but typically they fall into one of three categories:

  1. Tuition fee scholarships. These may cover 50%, 80% or 100% of tuition, with the second year of the scholarship often conditional upon academic performance.
  2. Cost of living scholarships. Available to students who have been awarded tuition fee scholarships.
  3. Scholarships for outstanding academic performance. Typically available to students in their second year of studies who were not awarded a scholarship in the first year.

Read more on the tuition fees and scholarships for each of our member universities.

Student union membership

Each higher-education institution in Finland has a student union that all students are obliged to join. Depending on the university, student union membership is EUR 80 to EUR 130 per year.

The benefits of student union membership include:

  • Free healthcare for Bachelor’s and Master’s degree students. Healthcare services include access to clinics, general practitioners, dentists, vaccinations and mental healthcare, as well as laboratory examinations, X-rays and physiotherapy upon referral. (Please note that students from outside the European Economic Area still need to have health insurance with coverage of at least EUR 30,000 per year in order to be granted a residence permit)
  • Discounts on long-distance trains and buses
  • Discounts on meals from university restaurants, as well as certain other restaurants and shops
  • Discounts on museum, theatre and concert tickets
  • Opportunities to participate in organised leisure events and trips, as well as hire equipment for various sporting activities

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Traveling to and within Finland

Most international flights to Finland arrive at the multi-award winning Helsinki Airport (HEL). From here our national airline, Finnair, flies daily to destinations in Europe, Asia, North America and the Middle East. Helsinki Airport is also served by other international airlines, including Aeroflot, Air France-KLM, British Airways, Lufthansa, Turkish Airlines and Qatar Airways.

Finland’s domestic flight network is well developed too, with multiple daily flights to cities around the country. Domestic flights are often expensive though, so trains and buses are a more economical way to travel within Finland. Both are comfortable means of transport, typically offering Wi-Fi and other amenities.

A train ticket from Helsinki to Tampere or Turku, for example, costs around EUR 20, and a bus ticket around EUR 8. To Joensuu or Kuopio, a train ticket is around EUR 45 and a bus ticket around EUR 25. Students with a valid student card get a 30% discount on long-distance train tickets and a 50% discount on local train services.

Here you can find out more information on inter-city travel, as well as buy tickets online:

Students also get discounts on local bus and train tickets, as well as on monthly travel cards. Prices vary from city to city, but a one-time ticket typically costs EUR 1,50 to EUR 3, and a monthly travel card EUR 20 to EUR 50.

Here you can find more information on traveling to and within each city of study:

Turku   Tampere   Joensuu   Kuopio

Books and other academic resources

It is very rare that students need to buy books, as university libraries are typically well equipped with both printed and digital resources. Library membership is free for students.

Working while studying

Citizens of the European Economic Area (i.e. the EU member states plus Iceland, Liechtenstein, Norway and Switzerland) who possess a valid Finnish residence permit face no restrictions on working in Finland.

Students from outside the European Economic Area with a valid Finnish residence permit can work part-time during a semester if the work is practical training related to studies, and/or if the amount of part-time work does not exceed 25 hours per week. There are no limits on working hours outside of semester periods (i.e. during summer and over the Christmas holidays).

Jobs in Finland are often found through networking and by word-of-mouth, so we encourage students to be active! Jobs are also posted on Linkedin, as well as on local services like Oikotie and TE-palvelut. Students can also often get university internship work through their academic department.

While companies that mainly operate in the domestic market may require their employees to speak Finnish, companies that operate internationally often use English as their primary language. Increasingly, restaurant staff are not required to speak Finnish.

Read more about working while studying in Finland.

Tips from students

“In Finland, good rice costs about 40 euros for 20 kilograms. In Asian markets, you can buy your local fish at around 3 to 6 euros per kilogram, and a whole frozen chicken for about 5 euros. It is better to eat at the universities as much as possible, because a meal costs only about 2.5 euros!”
Tips from students who study in Finland
“There are lots of part-time jobs, especially in the summer. Working in a kitchen or as a cleaner you can earn around 1600 euros per month.”
“If you are interested in picking berries in summer, put the key word “Mansikanpoimija” on the Ministry of Labour job site. You can also go directly to the strawberry farms to talk with the farmers about summer work!”

Take a virtual tour of our member universities' campuses with Master's student Williane Bernardez from Brazil

Take a campus tour