Moving to Finland from the US: Complete guide for expats & remote workers

Are you thinking about making the move to Finland from the USA? With its strong public services, tech-forward economy, and focus on quality of life, Finland is becoming a popular destination for Americans looking for a fresh start abroad.

In this guide, we’ll walk through everything you need to know about how to move to Finland from the USA, including visa options, relocation steps, the cost of living, and how Rippling can help you work across borders.

Why move to Finland from the USA?

Finland continues to attract American professionals, families, and digital nomads with its high standard of living, progressive policies, and welcoming work culture. Whether you're seeking stability, career growth, or a slower pace of life, Finland offers a compelling alternative to life in the U.S.

Better work-life balance

Finland is known for its balanced lifestyle and employee-first culture. Workers enjoy generous vacation time, flexible hours, and strong labor protections that help prevent burnout, making it a top choice for anyone prioritizing wellbeing.

High-quality education and healthcare

Public services in Finland are world-class. The education system is free and globally respected, while universal healthcare ensures affordable access to medical services. These benefits make it easier to settle down long-term, especially for families.

Thriving startup ecosystem

Finland is a growing hub for innovation, particularly in tech and gaming. Cities like Helsinki have vibrant startup scenes supported by government grants, accelerator programs, and access to international talent, ideal for entrepreneurs and skilled professionals alike.

Scenic nature and safety

From thousands of lakes to dense forests and clean air, Finland offers easy access to nature in nearly every direction. It’s also one of the safest countries in the world, with low crime rates and a strong sense of community trust.

Remote work or digital nomad lifestyle

Reliable infrastructure, widespread English fluency, and a calm, distraction-free environment make Finland a great base for remote workers. Whether you're freelancing or employed by a global company, Finland provides the connectivity and stability needed to thrive.

How to move to Finland from the USA: Step-by-step guide

Relocating from the United States to Finland requires careful planning, especially when it comes to visas, housing, and integration into Finnish society. Below is a step-by-step guide to help you navigate the process smoothly.

Step 1. Research visa requirements and residency permits

Start by determining the appropriate residence permit for your situation, whether you're moving for work, study, business, or family reasons. U.S. citizens must apply for a residence permit before entering Finland for long-term stays.

Step 2. Secure a job or remote work arrangement

A key part of the application process is showing how you’ll support yourself financially. If you're not being transferred by an employer, you'll need to demonstrate stable remote work income or another legitimate source of funds.

Step 3. Apply for the appropriate residence permit

Applications are submitted to the Finnish Immigration Service (Migri) either online or at a Finnish consulate. Be prepared to provide documents like a valid passport, proof of employment or income, health insurance, and a clean criminal record.

Step 4. Register your address and personal identity code

After arriving in Finland, you must register your local address with the Digital and Population Data Services Agency. At this stage, you’ll also receive a Finnish personal identity code, which is essential for accessing most services.

Step 5. Set up Finnish healthcare and insurance

Depending on your permit type and employment status, you may qualify for the public healthcare system. If not, you’ll need to maintain private insurance that meets Finnish standards.

Step 6. Open a Finnish bank account

Having a local bank account is necessary for everyday life, whether it’s receiving your salary, paying rent, or setting up utility payments. Most banks require proof of residence and a personal ID code.

Step 7. Find housing in your destination city

Housing is available through both private rentals and public housing services. Major cities like Helsinki and Tampere offer online platforms for finding apartments, but demand can be high, so start your search early.

Step 8. Learn basic Finnish or Swedish for daily life

While many Finns speak excellent English, learning the basics of Finnish or Swedish will help with integration and improve your daily experience, especially when dealing with bureaucracy or shopping outside major cities.

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Visa and residency options for US citizens

For Americans planning to stay in Finland longer than 90 days, a residence permit is required. The type of permit you apply for depends on the reason for your move: work, study, family, or entrepreneurship. Below are the most common options for U.S. citizens.

Work-based residence permit

If you have a job offer from a Finnish company, you can apply for a work-based residence permit. The application typically requires an employment contract and proof that your salary meets the minimum threshold set by Finnish authorities. Most permits are granted for 1–2 years and can be renewed.

Residence permit for entrepreneurs

Entrepreneurs, freelancers, or startup founders can apply for this permit, but it requires approval from the Finnish Centre for Economic Development, Transport and the Environment (ELY Centre). You’ll need a solid business plan, proof of sufficient income, and a clear strategy for running your business in Finland.

Family reunification permits

If you have immediate family members, like a spouse, child, or domestic partner, already living in Finland legally, you may be eligible for a family reunification residence permit. You’ll need to show proof of the relationship and that your family member has adequate income to support you.

Student residence permit

If you’re accepted into a Finnish university or higher education program, you can apply for a student residence permit, which allows you to live and study in Finland. Students must show proof of admission, health insurance, and sufficient financial resources to cover living costs.

EU Blue Card

The EU Blue Card is available to highly skilled professionals with a university degree and a high-paying job offer in Finland. It provides streamlined entry into the Finnish labor market and may lead to permanent residence over time.

Costs of living in Finland vs the USA

When comparing living costs between Finland and the United States, Finland often proves to be more affordable overall, especially for rent and certain services, although lifestyle factors and location play important roles.

Housing and rent

A one-bedroom apartment in a Finnish city center typically costs at least €800 ($920) per month, depending on location. In the U.S., comparable city-center rent often runs 20–100% higher.

Healthcare

Finland’s universal healthcare is funded through taxation, reducing the need for high out-of-pocket expenses. As a resident, you’ll access subsidized services via Kela. In contrast, Americans often face steep premiums, deductibles, and co-pays without employer-backed insurance.

Daily essentials and groceries

Overall consumer prices are around 20–30% lower in Finland than in the U.S., including everyday items like groceries, utilities, and transportation. For example, milk, bread, and transportation fares tend to cost less in Finnish cities.

Dining out and entertainment

Eating out, drinks, and entertainment can actually be pricier in Finland. A dinner for two at a mid-range restaurant may cost €80 (around $90), while similar experiences in the U.S. may be cheaper or more variable.

Transportation

Public transit is significantly more affordable in Finland. A monthly transit pass averages €50, compared to around $60 in many U.S. cities. Gasoline is roughly twice as expensive per liter, though many Finns rely on public transport or biking.

How much does it cost to move to Finland from the USA?

Moving from the U.S. to Finland involves several key expenses. Here’s a breakdown to help you plan your budget:

International moving costs

The cost to ship your belongings ranges from $5,000–$10,000+, depending on shipment size, method (air vs. sea), and additional packing or storage services.

Visa and residence permit fees

Residence permit applications for work, business, or study typically cost between €350–€500 (~$380–$540) per person. Legalization or translation of official documents can add to the cost.

Housing and rental deposits

Renting an apartment usually requires a 1–2 month security deposit, plus potential agent or listing fees. In larger cities, initial housing costs may total €3,000–€5,000+.

Healthcare and insurance

If you don’t gain immediate access to public healthcare, private health insurance can cost roughly €40–€150 per month. Overall, expect to budget at least $10,000 to $ 15,000 or more to cover all moving-related costs. Costs vary depending on shipment volume, city of residence, and lifestyle preferences.

6 tips for adjusting to life in Finland

Moving to Finland can be both exciting and a bit disorienting at first. These practical tips from expats and local guides will help smooth your transition:

1. Learn Finnish basics

While most Finns speak excellent English, especially in urban areas, knowing a few basic Finnish phrases shows respect and can be helpful with day-to-day tasks. Language apps or local evening classes are great starting points.

2. Engage with expat communities and locals

Joining online forums, Meetup groups, or local coworking spaces can help you find friends and sometimes even job leads.

3. Understand Finnish social norms

Finns value punctuality, honesty, and personal space. Public silence isn’t rude, it’s respectful. Try to adapt to their communication style by being direct and considerate.

4. Embrace the seasons

Finland’s long winters and bright summers are part of its charm. Take advantage of all four seasons: ski, ice-fish, or snowshoe in winter; kayak, hike, or enjoy the midnight sun in summer.

5. Discover sauna culture and nature

Integral to Finnish life, saunas (often followed by a plunge in a cold lake!) boost relaxation and social connection. With over 75% forest cover, spending time outside, or "forest bathing," is great for well-being.

6. Be prepared for housing challenges

Competition for rental apartments, especially in Helsinki, can result in long waiting lists. Consider alternative cities like Tampere or Turku, or explore municipal housing. And budget for a deposit equal to 1–2 months' rent.

Hire and manage employees in Finland with Rippling

Expanding your team to Finland? With Rippling, you can hire, pay, and manage employees and contractors in Finland without setting up a local entity.

Rippling makes global workforce management simple. You can onboard employees in minutes, pay them in euros, and stay fully compliant with Finnish labor laws—all from a single, unified platform. Whether you're hiring a full-time engineer in Helsinki or a part-time designer in Turku, Rippling handles the complexity so you don’t have to.

With Rippling's global HR software, you can:

• Automatically localize offer letters and employment agreements to meet Finnish legal requirements

• Run compliant payroll in local currency, with taxes and social contributions calculated for you

• Offer localized benefits and manage time off according to Finnish labor standards

• Track time, manage devices, and assign apps to your global workforce from day one

Whether you’re hiring employees or independent contractors, Rippling helps you stay compliant and scalable across borders.

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FAQs about moving to Finland from the USA

Is it hard to move to Finland from the USA?

It’s not necessarily difficult, but it does require planning. The key is understanding how to move to Finland from the USA based on your situation—whether it’s for work, study, family, or entrepreneurship. The application process is straightforward if you meet the eligibility criteria for a residence permit and prepare your documentation in advance.

Can Americans move to Finland?

Yes, Americans can move to Finland. U.S. citizens can enter visa-free for up to 90 days, but to stay longer, you’ll need a valid residence permit. Common options include permits for employment, education, business, or family reunification. Learn more about how to immigrate to Finland from the USA by visiting the Finnish Immigration Service (Migri) website.

What is the 3-month rule in Finland?

Under the Schengen Agreement, U.S. citizens can stay in Finland and other Schengen countries for up to 90 days within a 180-day period without a visa. If you plan to live in Finland as an American on a long-term basis, you’ll need to apply for a residence permit before the 90 days expire.

Is Finland a good place for Americans to live?

Absolutely. Many expats say living in Finland as an American offers a higher quality of life, excellent public services, and a strong sense of safety and stability. The culture is welcoming, and English is widely spoken, making it easier to adjust, especially for remote workers or families.

How long can a U.S. citizen stay in Finland without a visa?

U.S. citizens can stay in Finland for up to 90 days without a visa for tourism, business, or short visits. For any longer stay, you must apply for the appropriate residence permit before arriving, or shortly after entering the country if applicable.