Housing costs for which you can get general housing allowance
You can get housing allowance for a rental, owner-occupied, right-of-occupancy or part-ownership home. The home must be located in Finland and be suitable for permanent habitation.
The housing allowance is not available for all types of housing costs. Instead, so-called acceptable housing costs are defined for each type of housing. For example in a rented home, this includes the rent and any charges paid separately for water and heating. The size of the home is not relevant.
General housing allowance reduced in 2024, will no longer be available for owner-occupied homes starting in 2025
Parliament has approved cuts to the general housing allowance, which will reduce the rates of the allowance in 2024. Most of the changes to the general housing allowance will take effect on 1 April 2024. The changes will be applied to general housing allowances currently in payment the nexttime they are reviewed. General housing allowance will also no longer be available for owner-occupied housing as from 1 January 2025.
When you move into a rental apartment, you are usually required to post a security deposit for a few months or to pay rent in advance. If all of the income and assets available to you are not enough to cover the deposit, you can apply to Kela for basic social assistance.
Maximum housing costs
The maximum amount of housing costs based on which you can get housing allowance is also specified by law. That amount is referred to as maximum housing costs and is proportional to
You get housing allowance up to the amount of the maximum housing costs even if your actual costs are higher.
Finnish municipalities are divided into groups according the cost of living there.