Who Pays Utilities in Rent — Tenants in Finland

Rent & increases (index, fair rent) 2 min read · published September 11, 2025

How responsibility is determined

The terms of the tenancy agreement and applicable law usually determine who pays for electricity, water and heating. The Act on Residential Leases sets out the responsibilities and obligations of landlords and tenants.[1]

Tenants are entitled to a habitable home.

Common situations

  • Utilities included in the rent: If the agreement states that electricity, water or heating are included, the landlord generally covers these costs.
  • Billed separately: If the contract states the tenant pays utilities separately, payments are often based on meters or a fixed additional fee.
  • Central building heating: Heating costs may be covered by the housing company and allocated as maintenance charges, which the landlord factors into the rent.
Put all verbal agreements in writing and keep them as evidence.

What to do in a disagreement?

First discuss the matter with the landlord and ask for clarification of the bills or contract terms. Collect invoices, contract documents and photos of meter readings as evidence.[2]

If the issue is not resolved, you can seek help from the Consumer Disputes Board or bring the matter to court. Guidance and legal service instructions are available on official websites.[3]

FAQ

What does it mean when electricity is "included in the rent"?
It means the landlord has agreed to cover the electricity costs unless the tenancy agreement states otherwise.
Can the landlord charge additional fees later?
If additional fees are agreed in the contract or based on actual costs, the landlord may charge them, but changes usually require notice or an amendment to the agreement.
Where can I get help if disputes continue?
You can contact consumer advice, the Consumer Disputes Board, or seek legal help in court.

How-To

  1. Check the written tenancy agreement and notes about costs.
  2. Gather evidence: invoices, meter readings and photographs.
  3. Contact the landlord and present a written request or inquiry.
  4. If unresolved, file a complaint with the Consumer Disputes Board or take the matter to court.
Act promptly and document all communication and bills to preserve your rights.

Help and Support


  1. [1] Finlex
  2. [2] KKV / Consumer Disputes Board
  3. [3] Oikeus.fi
Bob Jones
Bob Jones

Editor & Researcher, Tenant Rights Finland

Bob writes and reviews tenant law content for various regions. They’re passionate about housing justice and simplifying legal protections for tenants everywhere.