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Finland vs Luxembourg: 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.
Finland vs Luxembourg: which is better value to live in?
As of 2024, Luxembourg offers better salary-to-cost value than Finland on the Gera EU Value Index (177.1 vs 117.9, a 59.2-point gap, EU≈100). Finland pays €32,957 net a year versus €52,029 in Luxembourg; cost-of-living indices are 113.2 and 119. Figures from Eurostat (earnings & price levels).
Finland vs Luxembourg — head to head
| Metric | Finland | Luxembourg |
|---|---|---|
| Net annual take-home pay | €32,957 | €52,029 |
| PPS earnings index (EU=100) | 111.3 | 163.3 |
| Cost of living (EU=100) | 113.2 | 119 |
| Gera EU Value Index | 117.9 | 177.1 |
| EU value rank (of 27) | #6 | #1 |
Compare your salary in Finland and Luxembourg
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 | Finland | Austria |
|---|---|---|
| Your salary, locally | €35,000 | €35,000 |
| Salary value vs EU norm | 125.2 | 120.4 |
| Local cost of living (EU=100) | 113.2 | 117.8 |
| Typical local net pay | €32,957 | €35,824 |
| Gera EU Value Index | 117.9 (#6) | 123.2 (#2) |
On €35,000 a year, your salary stretches further in Finland — a value index of 125.2 against the EU norm of 100, because its cost of living is 113.2 (EU=100). The same salary indexes 125.2 in Finland and 120.4 in Austria. The Gera EU Value Index median is 94.9.
Finland vs Luxembourg — FAQ
- Is Finland or Luxembourg better value to live in?
- Luxembourg offers better salary-to-cost value on the Gera EU Value Index (177.1 vs 117.9, EU≈100, 2024). Finland pays €32,957 net a year and Luxembourg €52,029; their cost-of-living indices are 113.2 and 119. Figures from Eurostat.
- Where is the salary higher — Finland or Luxembourg?
- Luxembourg has the higher net annual take-home pay at €52,029 versus €32,957 in Finland, 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 — Finland or Luxembourg?
- Finland has the lower cost of living, with a Gera EU Cost Index of 113.2 versus 119 (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)).