Retire in Helsinki, Finland
Last updated on Jun 05, 2025
Summary: Helsinki, Finland is an attractive destination for retirees due to its vibrant culture, stunning natural beauty, and excellent quality of life. The weather in Helsinki is mild, with temperatures ranging from an average of 34°F in January to 68°F in July. There are several retirement communities in Helsinki, offering a variety of amenities such as fitness centers, swimming pools, and social activities. The cost of a nice two bedroom home in Helsinki is typically around $400,000 USD, while a nice three bedroom home can cost around $500,000 USD.
What is it like to retire in Helsinki?
"Retiring in Helsinki offers retirees a wealth of activities and sights to explore. The city boasts many museums, galleries, and historical places, as well as a vibrant night life. Nature lovers will love the myriad of parks and lakes that are scattered around the city. Public transportation is also excellent and provides quick and easy access to the rest of the city and its attractions. Helsinki is also known for its excellent healthcare, providing retirees with peace of mind. Lastly, the cost of living in Helsinki is considerably cheaper than many other European cities, making it a great option for those looking for an affordable place to retire," explained a retiree in Helsinki.
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What advice do overseas retirees have for others considering retiring abroad?
"Retiring overseas can be a great experience, but it is important to do your research beforehand to make sure you are going to the right place for you. Consider the cost of living in the area, the climate, the culture, the social and political climate, the availability of public and private healthcare, the safety of the area, the availability of activities, and the ease of transportation. Additionally, make sure you are aware of the necessary paperwork and requirements to stay in the country legally and of any taxes or restrictions you may be subject to. Make sure to budget accordingly and to have emergency funds set aside, as having access to money quickly and easily may be more difficult abroad. Talk to other people who have made the same move to gain insight and learn about any hidden costs of living in the new area that you may not be aware of. Finally, get to know the area before committing to living there and, if possible, spend some time there to get a better feel of the lifestyle and environment," remarked one retiree in Helsinki.
What are the most challenging aspects of retiring in Helsinki?
"One of the most challenging aspects of retiring in Helsinki is finding suitable accommodation. Helsinki is an expensive city, with housing that can be expensive to rent or buy, as well as having limited availability of accommodation for retirees. Additionally, the Finnish culture and language can pose a barrier for new retirees, as the language has several dialects, making understanding and adapting difficult. The cost of living in Helsinki is also relatively high, so retirees need to have higher incomes in order to afford the standard of living they seek, or they need to move further out of the city centre to areas where the cost of living is lower. Furthermore, healthcare provision and social services can be less accessible than in other countries, especially in rural areas. The climate can also be a challenge, as winters can be long and extremely cold with short, dark days, and temperatures dropping to around -15 degrees Celsius," said a person in Helsinki.
What are the most rewarding aspects of retiring in Helsinki?
"Living in Helsinki offers retirees the opportunity to enjoy a comfortable lifestyle with high quality of life. The city provides excellent public transportation, numerous parks, and rich cultural activities. Helsinki also offers retirees a vibrant and diverse restaurant scene, reliable healthcare, and affordable housing. Additionally, living in Helsinki gives retirees access to beautiful landscapes, with nearby lakes, forests, and miles of coastline. The city is also close to other Scandinavian destinations, providing retirees with easy access to explore and enjoy new experiences," said one retiree in living in Helsinki, Finland.
What are healthcare services like in Helsinki?
We asked retirees if they have access to good medical care in Helsinki. They wrote:
"Healthcare services in Helsinki are of a high quality and standard. Helsinki offers comprehensive medical care, including preventive and specialized care, to residents who are eligible for public health services. Health centers provide general medical care for all ages, with outpatient and inpatient services, including mental health care. All cities in Finland provide citizens with a health and medical service plan, entitling them to medical treatment by a doctor or specialist as needed or recommended. The city also has seven private hospitals and a large number of private and public clinics. Helsinki central hospital serves as the principle referral center. There are also a number of community-based and specialized health care centers providing health, dental, and other services. Helsinki also provides a variety of specialists, such as dentists, optometrists and physiatrists, as well as specialized health care, including occupational therapy and other academic disciplines," explained one retiree living in Helsinki.
How do I meet people in Helsinki?
When we asked people living in Helsinki about club and activities where newcomers can meet others, they responded:
"Helsinki is a great city to meet people, with a variety of activities to choose from. Spend some time getting to know locals by exploring the many neighbourhoods and taking advantage of the many outdoor activities, such as biking, hiking, sailing, skiing, and camping. Networking events, coworking spaces, and local meetups are great ways to meet like minded people and get to know locals. Meetup.com is a great resource for finding local events and activities to attend. Coffee shops and bars are also great places to meet people in Helsinki. Make an effort to strike up a conversation with someone new or join a game night. The possibilities are endless," said one retiree in living in Helsinki, Finland.
"I recommend the American Women's Club. They have special interest groups as well as monthly meetings. You can find them in the Internet and go from there. The Club includes Americans, Finns and international english speaking women," explained a retiree in Helsinki.
What is life like in Helsinki?
When we asked people living in Helsinki what life is like and how people spend their time, they said:
"Life for expats and digital nomads in Helsinki is generally quite pleasant. The city is known for its vibrant culture, excellent public transportation, and high quality of life. Expats and digital nomads can find plenty of activities to keep them busy, from exploring the city's many museums and galleries to taking part in outdoor activities like skiing and hiking. The city also offers a wide range of restaurants, cafes, and bars, making it easy to find a place to socialize and meet new people. Additionally, Helsinki is a great place to work remotely, with plenty of coworking spaces and reliable internet access. All in all, Helsinki is a great place for expats and digital nomads to live and work," commented one retiree living in Helsinki, Finland.

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BlueCross BlueShield Global Solutions (BCBS) offers global health plans for international assignments or trips lasting 6 months or longer. With access to over 1.7M medical providers in 190 countries around the world, BCBS provides members with solutions and industry-leading digital services - ensuring top-quality coverage to people who live, work, study and travel internationally.
What do I need to know before retiring in Helsinki?
When we asked people what advice they would give someone preparing to move to Helsinki, they said:
"Helsinki offers an attractive quality of life. With its beautiful green parks and an old town that stretches along the harbor, Helsinki provides a great mix of urban and nature living. Of the many cultural events and attractions in the city, some of the highlights include the Museum of Contemporary Art, the Aleksanteri Institute, the Design Museum and the Ateneum Art Museum. Strong public transportation and a variety of bike lanes make getting around the city easy. As an expat, you will need to obtain a residence permit and apply for a Finnish personal identity code in order to open a bank account and obtain a Finnish social security number. You will need to submit a valid passport and proof of a secure income as part of the application process. Housing in Helsinki can be expensive, but with a range of options from traditional apartment buildings to luxury, lakefront villas, there is something to meet everyone's needs. Groceries, healthcare, and other necessities are also high compared to other places, so be prepared for the additional costs when budgeting for retirement. Once you are settled, Helsinki offers plenty to explore and enjoy. There are lots of parks and green spaces, with large open-air markets, vibrant art and design scenes, and lots of activities to take part in. Whether you are looking for cultural exploration, outdoor adventure, or just reconnecting with family, Helsinki is an excellent place to call home in your retirement," said a retiree who moved to Helsinki, Finland.
What type of recreational activities are there in Helsinki?
"1. Helsinki Central Park: This vast green space stretches over 10 kilometers and offers a variety of recreational activities, including walking, jogging, cycling, and cross-country skiing in the winter. 2. Linnanmäki Amusement Park: A popular family destination, Linnanmäki features a range of thrilling rides, games, and attractions, as well as an aquarium and a children's theater. 3. Suomenlinna Sea Fortress: A UNESCO World Heritage site, Suomenlinna is a historic maritime fortress that offers guided tours, museums, and beautiful parks for picnicking and leisurely strolls. 4. Hietaniemi Beach: Located in the Töölö district, Hietaniemi Beach is a popular spot for sunbathing, swimming, and beach volleyball during the summer months. 5. Kumpula Botanic Garden: This beautiful garden showcases a diverse collection of plants from around the world, offering a peaceful retreat for nature lovers and a great spot for picnics. 6. Helsinki Zoo: Situated on Korkeasaari Island, Helsinki Zoo is home to over 150 animal species and 1000 plant species, providing an educational and entertaining experience for visitors of all ages. 7. Oodi Central Library: A modern architectural marvel, Oodi Central Library offers a wide range of recreational facilities, including a cinema, recording studios, and spaces for workshops and events. 8. Töölönlahti Bay: This scenic bay area features walking and cycling paths, as well as opportunities for rowing and canoeing, making it a popular spot for outdoor enthusiasts. 9. Seurasaari Open-Air Museum: An island museum showcasing traditional Finnish life, Seurasaari offers visitors the chance to explore historic wooden buildings, participate in cultural events, and enjoy the surrounding nature. 10. Allas Sea Pool: A unique swimming complex located by the Helsinki waterfront, Allas Sea Pool features heated pools, saunas, and a terrace for sunbathing and relaxation," said one person who retired in Helsinki.
Where will I buy groceries and do other shopping in Helsinki?
"Expats in Helsinki can buy groceries and do other shopping at various locations throughout the city. One popular option is K-Supermarket, a Finnish chain that offers a wide range of products, including fresh produce, meats, and international items. You can find K-Supermarket at multiple locations in Helsinki, such as Kamppi and Hakaniemi (https://www.k-supermarket.fi/en/). Another option is Stockmann, a well-known department store in Helsinki that offers a variety of products, including groceries, clothing, and home goods. The store is located in the city center and can be found at Aleksanterinkatu 52 (https://www.stockmann.com/). For those looking for organic and health food options, Ruohonjuuri is a popular choice. This store offers a wide range of organic products, including groceries, cosmetics, and supplements. Ruohonjuuri has several locations in Helsinki, including one at Kamppi Shopping Center (https://www.ruohonjuuri.fi/). Expats seeking international and specialty food items can visit Behnford's, a store that offers a variety of imported products from around the world. Behnford's is located at Keskuskatu 6 (https://www.behnfords.fi/). For fresh produce, meats, and fish, the Hakaniemi Market Hall is a popular destination. This historic market hall offers a variety of stalls selling fresh and local products, as well as some international items. The market hall is located at Hämeentie 1a (https://www.hakaniemenkauppahalli.fi/en/). Lastly, for general shopping needs, the Kamppi Shopping Center is a popular destination for both locals and expats. This shopping center offers a variety of stores, including clothing, electronics, and home goods, as well as a supermarket and several restaurants. Kamppi Shopping Center is located at Urho Kekkosen katu 1 (https://www.kamppi.fi/en)," explained one retiree living in Helsinki.
About the Author
Betsy Burlingame is the Founder and President of Expat Exchange and is one of the Founders of Digital Nomad Exchange. She launched Expat Exchange in 1997 as her Master's thesis project at NYU. Prior to Expat Exchange, Betsy worked at AT&T in International
and Mass Market Marketing. She graduated from Ohio Wesleyan University
with a BA in International Business and German.
Some of Betsy's articles include 12 Best Places to Live in Portugal, 7 Best Places to Live in Panama and 12 Things to Know Before Moving to the Dominican Republic. Betsy loves to travel and spend time with her family. Connect with Betsy on LinkedIn.


