Find a holiday cottage – or rent out your own.

The median price of a lakeside cottage in January–May 2026 was 90 000 € nationwide, 6 % lower than a year earlier (National Land Survey of Finland). Regional differences are large: in Uusimaa the median was 185 000 € and in Raasepori 240 000 €.

Property tax, electricity and waste management for a 50 m² standard cottage cost an average of €964 a year in the 25 largest cottage municipalities (KTI, May 2025). The total does not include, for example, water charges and insurance.

At the end of 2025 Finland had 485 475 summer cottages (Statistics Finland). The method of compiling the statistics changed, so the figure is not directly comparable with earlier years.

At the end of 2025, most cottages were in Kuopio (10,261), Mikkeli (9,567) and Parainen (8,994). By region, the 2019 statistics showed the most cottages in Southwest Finland and Southern Savo, about 50,000 in each.

As early as possible, because demand for cottages grows during holiday weeks. In 2027 the winter holiday is in week 8 (22.–26.2.) in e.g. the Helsinki region and Turku, in week 9 (1.–5.3.) in e.g. Tampere, and in week 10 (8.–12.3.) in northern and eastern Finland.

In July. In 2025 July was the busiest month of the year (3.3 million overnight stays), and in July 2026 there were 3.25 million overnight stays according to preliminary data (Statistics Finland). Foreign overnight stays were highest in December.

The biggest listing services include Lomarengas and Nettimökki. In addition, many cottages are rented directly from the owner or through Tori. Compare the price and cancellation terms before booking.

A private individual's cottage rental is usually capital income, taxed at 30% up to €30,000 and at 34% on the excess (2026). From the rental income you deduct the rental-period share of the cottage's annual costs and the tenant-acquisition costs, such as brokerage fees.

Only the share for the rental period. According to the Finnish Tax Administration, expenses are deducted in proportion to how long and what proportion of the property was rented out. A 4 % depreciation on the building can be claimed only for the rental period. Expenses for periods of personal use are not deducted.

Only if it is professional accommodation activity: a furnished property, short rental periods, a daily or weekly rate and regular activity. In that case the tax rate is 13,5 % (2026) and VAT registration is mandatory once sales exceed 20 000 € in a calendar year. If the owner also uses the cottage personally, the activity generally does not, according to the Finnish Tax Administration (Verohallinto), meet the characteristics of a business.

Yes. Since 2023, digital platforms report sellers' information and property rental income to the Finnish Tax Administration (Verohallinto) (DAC7). You must still declare rental income yourself in your tax return.

Demand has grown: foreign tourists stayed a record 7.2 million nights in accommodation establishments in Finland in 2025, and in short-term rentals there were over 2.7 million foreign overnight stays in 2024, of which 39% in Lapland (Visit Finland). The number of domestic overnight stays fell by 1% in 2025, so demand varies by region.