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Estonia vs Finland: salary & cost of living
Which offers better value? A real Eurostat comparison of take-home pay and cost of living, with each country’s Gera EU Value Index.
Estonia vs Finland: which is better value to live in?
As of 2024, Finland offers better salary-to-cost value than Estonia on the Gera EU Value Index (117.9 vs 85.1, a 32.8-point gap, EU≈100). Estonia pays €19,703 net a year versus €32,957 in Finland; cost-of-living indices are 93.8 and 113.2. Figures from Eurostat (earnings & price levels).
Estonia vs Finland — head to head
| Metric | Estonia | Finland |
|---|---|---|
| Net annual take-home pay | €19,703 | €32,957 |
| PPS earnings index (EU=100) | 82.2 | 111.3 |
| Cost of living (EU=100) | 93.8 | 113.2 |
| Gera EU Value Index | 85.1 | 117.9 |
| EU value rank (of 27) | #18 | #6 |
Compare your salary in Estonia and Finland
Index your take-home pay against the EU norm in both
How far does your salary go in the EU?
Enter a net (take-home) salary and pick two EU countries. We index it against the EU norm using the same real Eurostat earnings and cost-of-living figures behind the Gera EU Value Index.
| Metric | Estonia | Austria |
|---|---|---|
| Your salary, locally | €35,000 | €35,000 |
| Salary value vs EU norm | 151.2 | 120.4 |
| Local cost of living (EU=100) | 93.8 | 117.8 |
| Typical local net pay | €19,703 | €35,824 |
| Gera EU Value Index | 85.1 (#18) | 123.2 (#2) |
On €35,000 a year, your salary stretches further in Estonia — a value index of 151.2 against the EU norm of 100, because its cost of living is 93.8 (EU=100). The same salary indexes 151.2 in Estonia and 120.4 in Austria. The Gera EU Value Index median is 94.9.
Estonia vs Finland — FAQ
- Is Estonia or Finland better value to live in?
- Finland offers better salary-to-cost value on the Gera EU Value Index (117.9 vs 85.1, EU≈100, 2024). Estonia pays €19,703 net a year and Finland €32,957; their cost-of-living indices are 93.8 and 113.2. Figures from Eurostat.
- Where is the salary higher — Estonia or Finland?
- Finland has the higher net annual take-home pay at €32,957 versus €19,703 in Estonia, for a single person at 100% of the average wage (Eurostat earn_nt_net, 2024). A higher salary does not always mean better value once cost of living is taken into account.
- Where is the cost of living lower — Estonia or Finland?
- Estonia has the lower cost of living, with a Gera EU Cost Index of 93.8 versus 113.2 (EU average ≈ 100), built from Eurostat price levels and household energy prices.
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Contains public sector information published by Eurostat (European Commission) and licensed under the Eurostat reuse policy (© European Union — free reuse with attribution). Source: Eurostat — Net annual earnings (earn_nt_net), single person at 100% of average wage (2024 (earnings) · 2024 price levels / 2025-S2 energy (cost of living), published 2025 (Eurostat earnings release)).