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Holiday cottages, holiday villages, campsites and huts throughout Finland – compare and book.

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Packing list for a cottage holiday

Checklist for a rental cottage: before departure, clothes, things to take to the cottage, food and tasks to do when leaving.

  • Ask before you leave - list
  • Clothes and equipment
  • Food and supplies
  • Tasks before departure
Cottage brokerage

Renting and wanting to rent a cottage

The cottage owner reports the free weeks and price, the person looking for a cottage reports their wishes. Advertising is free of charge, and you agree on the rental directly with each other.

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Before you pay

Verify the owner's identity and the existence of the object (e.g. video call or property ID), agree on cancellation terms in writing and pay preferably by bank transfer to a identified person or through a booking system. Scams can often be identified by a price that is too cheap and a hurry.

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The announcement is valid for 60 days. You will receive an email with a link to remove the announcement. The public contact information will be visible to all. Mökkitutka is not a party to the agreement. Never pay a deposit to a stranger before verifying the property and owner – make a written rental agreement. Inappropriate announcements will be removed.

Current situation

Mökkitutka in numbers

Summer cottages in Finland485 475 unitsEnd of 2025, Statistics Finland (new statistical method, not directly comparable to previous years)
Median price of a seaside cottage90 000 €January–May 2026, whole country, −6 % from the previous year, National Land Survey of Finland (Yle)
Seaside cottage transactions783 unitsJanuary–May 2026, +17 % from the previous year, National Land Survey of Finland (Yle)
Annual cottage expenses964 €/v50 m² standard cottage property tax, electricity and waste management, 25 largest cottage municipalities, May 2025, KTI
Overnight stays in accommodation establishments 202523.3 millionAll-time record, +3 %; foreign 7.2 million (+13 %); Statistics Finland 8.5.2026
Nights spent in July 20263.25 millionAt the previous year's level; domestic 2.5 million, foreign +3 %; Statistics Finland 27.8.2026 (preliminary)
Rental income tax30 %Capital income tax up to €30,000, 34 % for the excess (2026); Tax Administration
Accommodation VAT13,5 %From 1.1.2026 onwards, also applies to cottage rental if it is taxable accommodation; Tax Administration
VAT registration threshold20 000 € / vTurnover in a calendar year; Tax Administration, updated 16.2.2026
Nights spent by foreigners in short-term rentalsOver 2.7 million2024, +33 % from the previous year; Lapland's share 39 %; Visit Finland (Statistics Finland and Eurostat)

Summer cottages by region

Number of summer cottages by location region in 2019 (the latest found table by region). There were 511,900 cottages in the whole country at that time.

RegionCottages (units)
Varsinais-Suomi50 109
Etelä-Savo50 101
Pirkanmaa47 545
Uusimaa42 252
Keski-Suomi35 994
Lappi33 186
Pohjois-Pohjanmaa32 715
Pohjois-Savo31 863
North Karelia24 273
Päijät-Häme22 648
Ostrobothnia21 940
Kanta-Häme21 815
South Karelia21 061
Satakunta20 471
Kymenlaakso18 770
South Ostrobothnia13 746
Kainuu12 765
Åland6 547
Central Ostrobothnia4 100

Source: Statistics Finland, Buildings and summer cottages 2019, appendix table 5

Most summer cottages by municipality

Municipalities with the most summer cottages at the end of 2025.

MunicipalityCottages (units)
Kuopio10 261
Mikkeli9 567
Parainen8 994
Savonlinna8 339
Hämeenlinna8 243

Source: South Savo Regional Federation: Summer cottages 2025 (Statistics Finland data)

Summer cottage trade and prices

Trade in waterfront cottages and recreational properties according to the National Land Survey's price register.

Area / periodMedian price or quantityChange
Whole country, seaside cottages, January–May 202690 000 €−6 %
Uusimaa, seaside cottages, January–May 2026185 000 €about +3 %
Kymenlaakso, seaside cottages, January–May 202685 000 €−34,5 %
Raasepori (most expensive municipality), January–May 2026240 000 €–
Kustavi, January–May 2026212 000 €–
Heinola, January–May 2026207 000 €–
Whole country, built seaside properties in planning area, 202592 000 €+2,2 %
Whole country, built seaside properties in scattered settlement area, 202574 000 €+5,7 %
Total sales of leisure properties, 20256 135 kpl+8,9 %

Source: National Land Survey of Finland (Yle 16.6.2026 and NLS's press release 25.2.2026)

Cottage rental in taxation

Private individual's cottage rental rules according to Tax Administration's guidelines (checked 10/2026). Professional accommodation business can be business activity, in which case the rules are different.

IssueRuleSource
Rental incomeCapital income: 30 % up to 30 000 €, 34 % for the excess part (2026)https://vero.fi/henkiloasiakkaat/verokortti-ja-veroilmoitus/verokortti/veroprosentti-ja-tuloraja/veroperusteet/
Cottage annual expenses (electricity, water, property tax, insurance)Deducted in proportion to rental period; expenses for personal use period are not deductedhttps://www.vero.fi/en/individuals/property/rental_income/occasional-rental-income-from-property/
Annual repairsDeducted in the year of payment (proportion of rental period)https://www.vero.fi/henkiloasiakkaat/omaisuus/vuokratulot/vahennykset/
Building removal4% of remaining acquisition cost, only for rental period; land plot is not removedhttps://www.vero.fi/henkiloasiakkaat/omaisuus/vuokratulot/vahennykset/
Movable property (over 1,200 €, usable life over 3 years)Removal 25% per yearhttps://www.vero.fi/henkiloasiakkaat/omaisuus/vuokratulot/vahennykset/
Interest on loan taken for cottage purchaseDeductible as income-generating loan interest (share of rental use)https://www.vero.fi/henkiloasiakkaat/omaisuus/vuokratulot/vahennykset/
Income received through brokerage servicePlatforms report rental income to Tax Administration (DAC7); report income yourself anywayhttps://vero.fi/henkiloasiakkaat/verokortti-ja-veroilmoitus/tulot/ansiotulot/myynti-digitaalisilla-alustoilla/
Value-added taxProfessional furnished short-term accommodation 13.5%; owner's own use indicates it's not a business operationhttps://www.vero.fi/syventavat-vero-ohjeet/ohje-hakusivu/67678/majoitustoiminnan-arvonlisaverotus3/

Source: Tax Administration: Deductions for rental income, Short-term and occasional rental, VAT taxation of accommodation services (VH/6654/00.01.00/2024)

Ready-made tools

Save time with ready-made templates

Free tool available for download with a free account. More extensive tools available for one-time purchase, no subscription: files available immediately after payment.

Free tool

Cottage annual expense calculator

Calculate the actual expenses of a cottage per year, per month, and per cottage day.

  • 15 adjustable expense rows with allocation
  • Expenses € / year and € / month
  • Price per own cottage day and impact of rental income
0 € · free accountDownload for free (Excel)
Quick tool

Cottage vacation with a group

Expenses are fairly divided according to nights, ready-made “who pays whom” list for MobilePay, packing list and meal plan for the whole group.

Cottage renters and groups of friends

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Quick tool

Cottage opening and closing list

Spring opening and autumn closing as a checklist.

Cottagers

4,90 € incl. VATBuy for 4,90 €

Take 3, pay 2: the third tool is always free →

Guides

Read before you decide

Cottage rental 2026: checklist for tenant and owner

What to check before renting a cottage and how to tax rental income from your own cottage. Cancellation terms, seasons, deductions and VAT limit for 2026.

Read the guide →

Buying a cottage and property tax for a holiday home 2026

What to know when buying a cottage: prices, transfer tax, land auction, wastewater regulations and property tax for a holiday home. Deadlines and percentages for 2026.

Read the guide →

Cottage for Christmas and New Year's: booking, cancellation and winter condition

Christmas and New Year's cottage booking: consumer rights according to KKV, cancellation terms, winter roads and fireplace and sauna safety.

Read the guide →

Cottage rental agreement: template and important terms

Template for a cottage rental agreement for short-term holiday rental: cancellation, damages, cleaning, keys and taxation as well as a copyable agreement template.

Read the guide →
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Deadlines and dates

Mökkitutka reminds its subscribers of these by email.

  1. Autumn holiday week 42 begins

    Autumn holiday in e.g. Helsinki, Espoo, Vantaa, Turku, Tampere and Jyväskylä 12.–16.10.2026. Demand for rental cottages increases.

    Source
  2. Autumn holiday week 43 begins

    Autumn holiday in e.g. Oulu, Lahti, Pori, Mikkeli and Lappeenranta 19.–23.10.2026.

    Source
  3. School winter holiday begins

    Winter holiday in most municipalities around 21.12.2026–6.1.2027 (varies by municipality).

    Source
  4. Travel 2027 fair

    Travel industry event at the Helsinki Exhibition and Convention Centre: professional day 21.1., public days 22.–24.1.2027. Sales and networking event for cottage entrepreneurs.

    Source
  5. Skiing holiday week 8

    Skiing holiday 22.–26.2.2027 in e.g. Helsinki, Espoo, Vantaa, Turku and Pori.

    Source
  6. Skiing holiday week 9

    Skiing holiday 1.–5.3.2027 in e.g. Tampere, Jyväskylä, Lahti, Hämeenlinna, Vaasa and Mikkeli.

    Source
  7. Skiing holiday week 10

    Skiing holiday 8.–12.3.2027 e.g. in Oulu, Kuopio, Rovaniemi, Joensuu and Kajaani.

    Source
  8. School summer holiday starts

    The school year 2026–2027 ends on Saturday 5.6.2027, the cottage season begins.

    Source
Frequently asked

Frequently asked: Mökkitutka

How much does a beach cottage cost in 2026?

The median price of a beach cottage was €90,000 in January–May 2026 in the whole country, 6% less than a year earlier (Maanmittauslaitos). There are large regional differences: in Uusimaa, the median was €185,000 and in Raasepori €240,000.

How much does the maintenance of a cottage cost per year?

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

How many summer cottages are there in Finland?

There were 485,475 summer cottages in Finland at the end of 2025 (Tilastokeskus). The method of statistics changed, so the figure is not directly comparable to previous years.

In which municipality are there the most summer cottages?

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

When is it worth booking a skiing holiday cottage?

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

When is the demand for accommodation at its highest?

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). The most foreign overnight stays were in December.

Where can I find a rental cottage?

The largest brokerage services are, for example, Lomarengas and Nettimökki. In addition, many cottages are rented directly from the owner or through Tori. Compare prices and cancellation terms before booking.

How is the rental income of a cottage taxed?

The rental of a cottage by a private individual is usually capital income, which is taxed at 30% up to €30,000 and 34% for the excess (2026). The rental income is reduced by the share of the cottage's annual expenses for the rental period, as well as the tenant's acquisition costs, such as brokerage fees.

How much of the cottage's expenses can I deduct if I use it myself too?

Only the share for the rental period. According to the Tax Administration, expenses are deducted according to how long and what proportion of the property was rented. A 4% depreciation can be made on the building only for the rental period. The costs of personal use are not deductible.

Do I have to pay value-added tax on cottage rental?

Only if it is a professional accommodation activity: furnished property, short rental periods, daily or weekly price, and regular activity. Then the tax rate is 13.5% (2026) and VAT registration is mandatory when sales exceed €20,000 in a calendar year. If the owner uses the cottage themselves, the activity does not usually meet the characteristics of business activity, according to the Tax Administration.

Can the Tax Administration receive information about rental income received through Airbnb or a brokerage service?

Weather. Digital platforms will report seller information and rental income to the Tax Administration from 2023 (DAC7). However, rental income must still be reported personally on the tax return.

Is it worth investing in cottage rental?

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

Tips

This is how you benefit from the information

  1. Book your ski holiday cottage in advance: during week 8, the capital region and Turku are on holiday, and during week 10, Northern and Eastern Finland are on holiday.
  2. Compare the asking price to completed sales: the median price of a seaside cottage was around 90,000 € in early 2026, but there are large regional differences.
  3. Calculate the annual costs of the cottage before buying: property tax, electricity, and waste management cost an average of around 964 € per year in a standard cottage, excluding water charges and insurance.
  4. Check the zoning situation: there was a difference of around 18,000 € in the median prices of seaside cottages in zoning areas and scattered settlement areas in 2025.
  5. If you rent out your own cottage, take advantage of the demand peaks during holiday periods and check the municipality's holiday schedule from the Finnish National Agency for Education's list.
  6. Compare the price of a rental cottage on the same week across different services: the same cottage can be found in both an agency service and the owner's own website.
  7. July is the busiest month for accommodation: in 2026, accommodation establishments had 3.25 million nights in July.
  8. Record rental days and personal use days for the entire year. You can only deduct the rental period's share of the cottage's annual expenses.
  9. Report rental income on your tax return, even if you rented through an intermediary service: the platforms will also report the information to the Tax Administration.
  10. Monitor sales accumulation: if the rental is professional accommodation business and sales exceed €20,000 in a calendar year, VAT registration is mandatory and 13.5% VAT will be charged on the price.
Services

Useful links

Holiday ringRental cottage brokerage service throughout Finland.NettimökkiRental cottage announcement service, cottages directly from owners.ToriCottages and cottage equipment for sale and rent.EtuoviHoliday homes and cottages for sale.National Land Survey's sales price statisticsProperty sales prices and property sales statistics.Statistics Finland: Buildings and summer cottagesOfficial summer cottage statistics.National Board of Education: school holiday timesAutumn, Christmas and ski holidays by municipality in the school year 2026–2027.Tax Administration: deductions for rental incomeWhat can be deducted from cottage rentalTax Administration: VAT on accommodation businessWhen cottage rental is subject to VATStatistics Finland: accommodation statisticsOvernight stays by month and region
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Sources (20)

Information has been compiled from public sources 6.10.2026. Always check the current terms from the original source. The information is not investment, loan or legal advice.