Last update: Oct 2026

Cost of Living Comparison Between Spain and Finland

Name: Finland
Address: FI

For one person, living is cheaper in Spain: $1,760 a month against $1,935 in Finland, rent and utilities included – about $2,100 less a year. The total is higher in Finland despite lower rent and utilities.

85

Cost of Living Index in Spain
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Spain Living Index
94

Cost of Living Index in Finland
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Finland Living Index

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🇪🇸 Spain

$1,760

/mo nomad

🇫🇮 Finland

$1,935

/mo nomad

Monthly Cost of Living

How much you'll spend in Spain and in Finland

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Spain and in Finland actually costs, broken down by who's living it.

A single person spends $1,760 per month in Spain vs $1,935 in Finland, rent included.

Spain $1,760
Finland $1,935

A couple spends around $2,581 per month in Spain vs $3,030 in Finland, rent included.

Spain $2,581
Finland $3,030

A family of three spends $3,402 per month in Spain vs $4,125 in Finland, rent included.

Spain $3,402
Finland $4,125

The regional cost range is wider in Spain ($937–$2,649) than in Finland ($981–$2,192), so city choice matters more there.

The cost of living in Spain is roughly 9% lower than in Finland on average.

Both Spain and Finland are pricier than the global median – Spain by 30%, Finland by 43%.

Meal at Budget Restaurant

$16.72 €14.92

$16.53 €14.76

1.15%

Three-Course Dinner for Two, Mid-Range

$56.0 €49.93

$89.0 €79.4

-37.11%

Fast Food Meal (McDonalds, etc)

$11.13 €9.93

$12.21 €10.90

-8.85%

Cappuccino

$2.43 €2.17

$4.81 €4.29

-49.48%

Coke/Pepsi/Fanta/Sprite (0.33 liter bottle)

$2.63 €2.34

$3.11 €2.78

-15.43%

Water (0.33 liter bottle)

$1.81 €1.62

$2.31 €2.06

-21.65%

Local Beer (0.5 liter draught)

$3.40 €3.04

$8.52 €7.60

-60.09%

Imported Beer (0.33 liter bottle)

$3.82 €3.41

$8.78 €7.84

-56.49%

Milk (1 liter)

$1.17 €1.04

$1.35 €1.21

-13.33%

White Bread (500g)

$1.50 €1.34

$2.72 €2.43

-44.85%

Rice (white) (1kg)

$1.60 €1.43

$2.64 €2.36

-39.39%

Eggs

$3.33 €2.97

$3.49 €3.12

-4.58%

Local Cheese (1kg)

$14.41 €12.86

$8.85 €7.89

62.82%

Chicken Fillets (1kg)

$8.33 €7.44

$13.39 €11.95

-37.79%

Beef Round Steak (1kg)

$16.30 €14.55

$22.42 €20.01

-27.30%

Apples (1kg)

$2.57 €2.30

$2.67 €2.39

-3.75%

Banana (1kg)

$2.04 €1.82

$2.10 €1.87

-2.86%

Oranges (1kg)

$2.04 €1.82

$2.44 €2.18

-16.39%

Tomato (1kg)

$2.55 €2.28

$4.32 €3.86

-40.97%

Potato (1kg)

$1.83 €1.63

$1.29 €1.15

41.86%

Onion (1kg)

$2.03 €1.81

$1.72 €1.53

18.02%

Lettuce (1 head)

$1.36 €1.21

$2.22 €1.98

-38.74%

Water (1.5 liter bottle)

$0.74 €0.66

$1.87 €1.67

-60.43%

Cigarettes 20 Pack (Marlboro, Camel)

$6.35 €5.67

$13.30 €11.87

-52.26%

Wine (Bottle)

$5.52 €4.92

$14.47 €12.92

-61.85%

Local Beer (0.5 liter bottle)

$1.31 €1.17

$3.57 €3.19

-63.31%

Imported Beer (0.33 liter bottle)

$2.02 €1.80

$3.67 €3.27

-44.96%

One-way Ticket (Public Transport)

$1.71 €1.53

$3.48 €3.11

-50.86%

Public Transport Monthly Pass (Regular Price)

$33.15 €29.59

$70.3 €62.8

-52.85%

Taxi Start (Normal Tariff)

$4.52 €4.03

$8.93 €7.97

-49.38%

Taxi (Normal Tariff) (1km)

$1.50 €1.34

$1.38 €1.24

8.70%

Taxi 1hour Waiting (Normal Tariff)

$24.43 €21.80

$66.0 €58.9

-62.99%

Gasoline (1 liter)

$1.79 €1.60

$2.24 €2.00

-20.09%

Midsize Hatchback 1.4l (Volkswagen Golf, Toyota Prius, Honda Civic, etc)

$35.9K €32.1K

$37.4K €33.4K

-3.90%

Compact Sedan 1.6l (Toyota Corolla, Mazda3, Kia K4, Hyundai Elantra, etc)

$31.2K €27.8K

$37.9K €33.9K

-17.83%

Utilities for 2 People in 2-bedroom Apartment (Heating, Electricity, Gas, Water, Garbage) (85m2)

$150 €134

$141 €126

6.41%

SIM Card Monthly Plan (Calls and 10GB+ Data)

$17.57 €15.68

$27.22 €24.29

-35.45%

Internet (50+ Mbps, Unlimited Data)

$31.32 €27.95

$25.45 €22.72

23.06%

Gym Membership (Monthly)

$45.55 €40.66

$43.82 €39.11

3.95%

Tennis Court (1 Hour on Weekend)

$15.00 €13.39

$30.04 €26.81

-50.07%

Cinema Ticket

$9.47 €8.45

$17.93 €16.00

-47.18%

Preschool or Kindergarten, Full Day, Private, 1 Child (Monthly)

$544 €486

$387 €345

40.74%

International Primary School, 1 Child (Yearly)

$10.8K €9,595

$13.1K €11.7K

-18.04%

Jeans (Levis 501 Or Similar)

$84.1 €75.0

$97.2 €86.7

-13.46%

Summer Dress (H&M, Zara, etc)

$36.90 €32.93

$40.09 €35.78

-7.96%

Sport Shoes (Adidas, Nike)

$88.5 €79.0

$100.0 €89.2

-11.47%

Men's Leather Business Shoes

$104 €93.1

$147 €131

-29.01%

1-bedroom Apartment, City Center (Monthly)

$1,017 €907

$851 €759

19.50%

1-bedroom Apartment, Outside City Center (Monthly)

$793 €707

$704 €628

12.60%

3-bedroom Apartment, City Center (Monthly)

$1,605 €1,432

$1,561 €1,393

2.83%

3-bedroom Apartment, Outside City Center (Monthly)

$1,209 €1,079

$1,211 €1,081

-0.19%

Buy Apartment in City Center (m2)

$4,093 €3,653

$4,938 €4,407

-17.12%

Buy Apartment Outside City Center (m2)

$2,581 €2,303

$2,932 €2,617

-11.97%

Average Monthly Net Salary (After Tax)

$2,001 €1,786

$3,033 €2,707

-34.03%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.3

3.87

-14.73%

CityCost data is based on AI and user input – minor inaccuracies may occur.

Last update for Spain: October 20, 2026

Last update for Finland: October 17, 2026

Monthly budget structure

Share of the monthly basket for one person, rent included.

Accommodation & Living

Spain

$793 45%

Finland

$704 36.4% 11.2% $89

Groceries & Markets

Spain

$272 15.4%

Finland

$376 19.4% 38.4% $104

Eating Out

Spain

$239 13.6%

Finland

$308 15.9% 29.2% $70

Monthly Utilities & Internet

Spain

$199 11.3%

Finland

$194 10% 2.6% $5.2

Clothing & Footwear

Spain

$141 8%

Finland

$173 8.9% 22.4% $32

Sport & Entertainment

Spain

$65 3.7%

Finland

$80 4.1% 23.5% $15

Getting Around

Spain

$52 3%

Finland

$100 5.2% 92.4% $48

Cost Breakdown

Average rent: $919 in Spain vs $791 in Finland. For reference, capital cities sit at $1,509 in Madrid and $1,225 in Helsinki.

Average salary: $1,977 in Spain vs $2,891 in Finland. The income gap affects purchasing power and how far your budget stretches in each country.

Cost Highlights

Rent is 16% higher in Spain.

Dining out costs 54% more in Finland.

Public transport is 106% more expensive in Finland.

Salaries are 46% higher in Finland, and purchasing power comes out stronger in Finland.

Good to know

🇪🇸 Spain

🇫🇮 Finland

🕒 Local time

02:11 2:11 AM

03:11 3:11 AM

1 h ahead of Spain

🌤 Weather

👥 Population

47,415,750

5,608,218

💱 Currency

Euro EUR €

📈 Exchange rate

1 EUR = 1.12 USD

Exchange rates and currency converter

On the map

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Highest

Between locations

Spain Finland 2,950 km ≈ 4 h 15 min nonstop flight

From you

Spain
Finland

Distances are measured in a straight line. Your location is detected approximately.

City Median Internet Speeds Comparison (Updated April 2026)

The chart highlights the Precision Threshold for mobile and fixed broadband internet speeds, updated quarterly.

Digital Nomad Cost of Living Index

Spain vs Finland: Cost of Living - Frequently Asked Questions

Spain is the cheaper option – living costs run roughly 9% lower on average.

Groceries, public transport, and eating out all cost less in Spain, adding to the overall 10% price gap.

Spain is the budget-friendly choice for expats. But cost isn’t everything: visa policies, language, healthcare quality, and job markets all weigh in too.