Ground-source heat pump cost installed in Finland 2026
Every figure below is published as it stands. We do not average them, because the mean of a marketing range, a costed worked example and the median of two jobs is a number nobody measured.
What the sources actually say
turnkey
€13,000–€20,000
the site’s own typical range
The site’s own typical range rather than jobs actually done. The low end fits a house where nothing old is demolished and the distribution network is left alone.
replacing oil heating, demolition included
€23,000–€26,000
2 costed worked examples
Two costed examples in which the old oil system is removed: a small 1990s house and a larger 1970s house.
jobs actually paid for
€27,075–€33,225
median of 2 verified jobs
The median of two jobs. The dearer of them was a 1950s three-storey house whose entire heat distribution network was rebuilt, which lifts the median on its own.
The page is titled "realised prices (2026)" but the page itself was last updated on 13 May 2025.
Why the band is this wide
The sources do not disagree about the price; they disagree about the scope of the job. One prices the installation labour, one the device installed, one the whole system including demolishing the old one. That is why each figure carries what it covers and the sample it rests on.
What the price covers
Normally included
- the heat pump itself
- borehole drilling
- the ground loop
- installation labour
- commissioning
Normally quoted separately
- the municipal permit fee
- demolishing the old heating system
- work on the electrical panel
- a buffer cylinder
- reinstating the garden after trenching
- rebuilding the heat distribution network
The parts of the price
Installers quote these items apart from each other. That is exactly why a "from" price misleads: it is almost always just one of these rows.
| the heat pump alonea marketplace’s stated range | €5,000–€10,000 |
|---|---|
| the drillinga marketplace’s stated range | €4,000–€7,000 |
The household tax credit
Household tax credit: 35% of the labour share of a company invoice, up to €1,600 per person per year, with a €150 own share (Verohallinto, 10 February 2026). The government has proposed raising this to 40% and €2,100 for 2026–2027, retroactively from 1 January 2026 (HE 113/2026 vp, Eduskunta, 11 June 2026). Parliament has not passed the bill, and the tax administration still writes about it in the conditional (Verohallinto, 16 June 2026).
No source splits work from materials in this category, so we compute no euro figure for the credit. The tax administration’s own break-even: the cap is reached at about €5,000 of labour. Ask for a quote that itemises the labour share.
Giving up oil heating altogether carries an elevated credit of 60% of the labour share, up to €3,500 per person, in force until 31 December 2027 (Verohallinto, 10 February 2026).
Grants
The grant is closed. Applications ended on 25 May 2026 at 16.15, the appropriation was spent in full and over 300 applicants received nothing. It used to pay €4,000 / €2,500 depending on the replacement system (Elinvoimakeskus, 1 September 2026).
Payback calculator
Example houseThese figures are an example of an average Finnish detached house, not your house. Replace them with your own — the result updates as you type.
The baseline is direct electric heating. No sourced figure for oil or district heating is available here, so nothing is computed against them.
Your figures
Result
Payback period
9–16 years
The calculator’s constants and where they come from
- average annual heating energy of a detached house
- 19,600 kWh/a
- Computed by dividing the 2024 heating energy of detached houses (22,797 GWh) by the 2025 stock of one- and two-family houses (1,161,262). The stock includes vacant houses, which drags the mean down, and the figure is delivered heat, not kilowatt-hours on an electricity bill.
- Tilastokeskus, 4 December 2025
- domestic hot water as a share of heating energy
- 20%
- It matters because a heat pump’s efficiency is materially worse for hot water than for space heating: a calculator that lumps them together over-predicts the saving.
- Tilastokeskus, 4 December 2025
- what one saved kilowatt-hour is worth
- 11–14 snt/kWh
- This figure is published nowhere: it is derived from the energy price, the energy part of the transfer fee, the electricity tax and VAT. Use it as a calculator default but ask for the user’s own price. Statistics Finland’s 18.04 snt/kWh overstates the saving by about a third, because it contains a standing charge that a heat pump does not remove.
- Tilastokeskus, 11 June 2026
- the share of a ground-source system’s annual energy produced by its back-up resistor
- 1–5 %
- The pump is sized to 60–80 % of peak heat load, covering 95–99 % of the annual energy; the rest comes from a resistor at a coefficient of 1.0. Leave the resistor out and the saving is overstated.
- Motiva, 16 February 2026
Request a quote: ground-source heat pump
A price band tells you the order of magnitude. Only a quote tells you what your own job costs — and only a quote states the labour share separately, which is the part the tax credit applies to.
ServiceGround-source heat pump
What we do not tell you, because no source does
These gaps are deliberate. A number with no dated source has no business on a page whose whole promise is that every number carries its date.
- Drilling a borehole needs a municipal permit almost everywhere in Finland, and the permit fee is not inside a contractor’s turnkey price unless stated. There is no national permit fee, because every municipality sets its own.
- Urakkamaailma’s per-city averages sit far below its own national average, because they describe an installation job rather than a device installed. Those pages carry no date of their own, so we publish none of their figures — only the fact that one site’s two numbers describe different products.
- Some installed-cost figures repeated across the trade, such as the extra cost of upgrading an electrical panel, exist only as vendor consensus with no identifiable source page. They are left out, and the corresponding items appear only in the list of what a price does not cover.
Frequently asked
What does ground-source heat pump cost installed in Finland?
€13,000–€33,225. €13,000–€20,000 turnkey — the site’s own typical range (urakkamaailma.fi, 14 August 2026). €23,000–€26,000 replacing oil heating, demolition included — 2 costed worked examples (Motiva, 2024). €27,075–€33,225 jobs actually paid for — median of 2 verified jobs (urakkadiili.fi, 13 May 2025).
What is the price of a ground-source heat pump made of?
A quoted price normally covers the heat pump itself, borehole drilling, the ground loop, installation labour and commissioning. Quoted separately, as a rule: the municipal permit fee, demolishing the old heating system, work on the electrical panel, a buffer cylinder, reinstating the garden after trenching and rebuilding the heat distribution network.
Why do different sites quote different prices?
Prices for a ground-source heat pump differ because the sources scope the job differently: some price the installation labour alone, some the device installed, and some the whole system including demolishing the old one. That is why every figure on this page states what it covers, what sample it rests on and the date its source carries.
Does the installation qualify for the household tax credit?
Household tax credit: 35% of the labour share of a company invoice, up to €1,600 per person per year, with a €150 own share (Verohallinto, 10 February 2026). The government has proposed raising this to 40% and €2,100 for 2026–2027, retroactively from 1 January 2026 (HE 113/2026 vp, Eduskunta, 11 June 2026). Parliament has not passed the bill, and the tax administration still writes about it in the conditional (Verohallinto, 16 June 2026).
Is there still a grant for replacing oil heating?
The grant is closed. Applications ended on 25 May 2026 at 16.15, the appropriation was spent in full and over 300 applicants received nothing. It used to pay €4,000 / €2,500 depending on the replacement system (Elinvoimakeskus, 1 September 2026). Giving up oil heating altogether carries an elevated credit of 60% of the labour share, up to €3,500 per person, in force until 31 December 2027 (Verohallinto, 10 February 2026).
Find an installer
The price is only half the decision. The other half is who does the work.
Browse installersFigures verified against their sources on 3 September 2026