Income and asset limits

What do income and asset limits mean?

State-subsidised “Ara” apartments are subject to income and asset limits, which affect the selection of residents. The rental homes to which income or asset limits apply are marked in our apartment search.

Income limits

Income limits are introduced for the selection of residents in state-subsidised apartments starting from January 1, 2025. From the beginning of 2025, a single-person household can earn a maximum gross monthly income of 3,540 euros. If the household includes more than one adult aged 18 or over, the limit is increased by 2,480 euros for each additional adult. The income limits will affect new resident selections as well as internal housing exchanges within the same property owner. Read more about income limits here.

A minor share of Asuntosäätiö’s rental homes have income limits, which means that the selection of residents is based on the income of the applicant(s). The applicant’s assets or need for a home are not taken into account in these homes.

In this context, income encompasses earned income and income from capital, including wages and wage supplements, pension and any rental and dividend income. The maximum income limit applied in the selection of residents means that your monthly income cannot exceed the limit defined by Ara (The Housing Finance Development Centre of Finland). If your income varies, we will evaluate the income over a longer period of time.

If you are applying for a rental home to which an asset limit is applied, you must provide a statement on your income. You will be requested to provide the required documentation on your income (e.g., a tax decision and wage or pension slip) if we are able to offer you the home you have applied for.

Examples of income limits for short-term interest subsidy:

Size of household	Income (gross) EUR per month
1 adult	3 540
2 adults	6 020
1 adult and child	4 190
2 adults and child	6 670
2 adults ja 2 children	7 270
2 adults ja 3 children	7 870

Asset limits

In rental homes with asset limits, the selection of residents is based on assets, income and a needs assessment. Those who are in an urgent need for a home and who have the smallest assets and the lowest income are given priority.

Assets include, for example, real estate or an apartment owned by the applicant(s) as well as savings. Assets are taken to encompass the applicant’s assets at the time of application.

If you are applying for a rental home to which an asset limit is applied, you must provide a statement on your need for a home and your assets. You will be requested to provide the required documentation on your assets if we are able to offer you a home. You do not need to attach the documentation to your application.

The asset limit for a rental home depends on the locality and the size of the applicant household. The asset limits applied in the municipalities in which Asuntosäätiö has rental homes to which these limits apply are listed below.

ESPOO

Number of people	1	2	3	4	5*
Assets	75 000 €	94 000 €	125 000 €	135 000 €	145 000 €

* In Espoo: when there are over 5 people in the household, the asset limit rises by 10.000 € per additional person.

HELSINKI

Number of people	1	2	3	4	5*
Assets	89 000 €	126 000 €	204 000 €	209 000 €	214 000 €

*In Helsinki: when there are over 5 people in the household, the asset limit rises by 5000 € per additional person.

VANTAA

Number of people	1	2	3	4	5*
Assets	53 000 €	66 000 €	88 000 €	98 000 €	108 000 €

*In Vantaa: when there are over 5 people in the household, the asset limit rises by 10.000 € per additional person.

SIUNTIO

Number of people	1	2	3	4	5*
Assets	54 800 €	82 200 €	109 600 €	109 600 + 5000 €	109 600 + 5000 €

*In Siuntio: when there are over 5 people in the household, the asset limit rises by 5000 € per additional person.

TUUSULA

Number of people	1	2	3	4	5*
Assets	60 500 €	77 000 €	99 000 €	121 000 €	126 500 €

*In Tuusula: when there are over 5 people in the household, the asset limit rises by 5000 € per additional person.