Hidden Costs When Buying Property in Estonia (2025)
When buying a home in Estonia, many buyers calculate the purchase price — but forget about the additional expenses that follow. These hidden costs can significantly change your total budget. Here is a complete list of extra expenses you should prepare for in 2025, based on real cases from RNB.ee.
1. Notary fees & state fees
Mandatory for every property transaction in Estonia.
- notary fee: usually €300–800
- state fee: ~€100
The cost depends on the property price and the complexity of the contract.
2. Bank fees (if using a mortgage)
- contract fee (€100–300)
- property valuation (€100–200)
- mandatory home insurance
- life insurance (sometimes required)
3. Apartment association fees (Ühistu)
These vary widely depending on the building:
- renovation loan repayment
- maintenance fees
- cleaning & lighting costs
- elevator and yard maintenance
4. Renovation and repairs
Even “move-in ready” homes often require:
- painting
- bathroom updates
- new flooring
- electrical rewiring
Buyers often underestimate these costs by 40–60%.
5. Furniture and appliances
Typical costs for a 1–2 bedroom apartment:
- kitchen €3,000–8,000
- wardrobes €1,000–3,000
- appliances €800–2,500
6. Utility connection fees
- electricity contract deposit
- internet installation
- TV service activation
7. Property tax for land (houses only)
Apartment buyers usually don’t pay this, but house buyers do.
8. Moving costs
- transport service
- storage rental
9. Future renovation fund contributions
If the building plans facade renovation or elevator replacement — fees can increase temporarily.
10. Unexpected “surprise” costs
- condensation issues
- humidity in bathrooms
- worn-out plumbing
- outdated electrical systems
How to avoid hidden costs?
- request renovation history
- check apartment association debts
- review structural reports
- use professional inspectors
Use RNB.ee to compare real costs, neighbourhood fees and building history before buying.