−5.6% under predicted

Härkälahdenkuja 9 B

00850 · Helsinki

Selling price
€545,000
€5,023/m²
Predicted
€577,114
€5,319/m²
Size
108.5 m²
5 rooms
Year
2001
Floor —
Monthly fee
€434/mo
total housing co-op fee
Gross yield
rent ÷ asking

Price comparison

How this unit prices vs. the model and the surrounding 00850 market.

Asking is 5.6% below predicted
Asking price
€545,000
€5,023/m²
Predicted price
€577,114
€5,319/m²
Implied savings
−€32,114
vs. model estimate

Where this listing sits in the market

00850 · asking vs. predicted €/m²
Asking €5,023/m²
Predicted €5,319/m²
€2,708/m² €4,167/m² (postcode median) €6,042/m²

Recent quarterly €/m² trend · 00850

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Postcode median €/m² This listing's asking €/m²

Market context

How this listing compares to recent activity in 00850 — actual sold prices, typical seller flexibility, and how long listings sit before they close.

Days on market
33 days
Median for 00850: 166 days (n=16). Fresh — seller likely firmer.
Typical negotiation in this postcode
-9.8%
Average sold-vs-asking gap across 3 matched sales in 00850. Implied close on this listing: €491,815.

Comparable realised sales · 00850

2 matched within ±30% size
Sold Size Asked Sold price €/m² vs ask
2025-11-26 134 m² €442,000 €390,000 €2,910 -11.8%
2025-09-20 130 m² €569,000 €540,000 €4,154 -5.1%

Matched against ARA realised-sale records within the same postcode and ±30% of this unit's size, sorted by sale date.

What the model considered

24 features · gradient-boosted regression

Predictions come from a non-linear XGBoost ensemble trained on a rolling 365-day window of Helsinki listings — not a postcode median with per-feature adjustments. Below are the values the model received for this unit, with each feature group's typical training-set importance.

Predicted
€577,114
€5,319/m²
Postcode reference
Median in 00850: €4,167/m² · this unit asks €5,023/m²
Postcode median is one of 24 inputs (~12% of model importance) — not a baseline that adjustments are layered on.
Floor area
108.5 m²
Very high
Room count
5 rooms
Very high
Postcode
00850 (median €4,167/m²)
High
Condition
Good
High
Year built
2001
High
Pipe renovation
Not reported
High
Maintenance fee
€434/mo
High
Floor in building
High
Land ownership
Own plot
Moderate
Elevator
No
Moderate
Sauna
No
Moderate
Balcony
No
Moderate

Importance is the typical share of model gain attributed to each feature group across the training set. The actual contribution to this specific prediction would require running SHAP on the live model.

Pipe renovation

Linjasaneeraus is the largest building-system replacement a Helsinki housing company performs — typical cost €25–55k per unit and often shifts the asking price.

No pipe renovation reported

The listing doesn't mention a recent or planned renovation. Check the housing-company report (isännöitsijäntodistus) for confirmation.

Building & title

Quick reference for things that move the price beyond size and location.

Apartment

Floor
Condition
Good
Energy class
Balcony
No
Sauna
No

Building

Year built
2001
Total floors
?
Elevator
No

Title

Land
Own plot
Pre-emption
Not reported

Deal economics

What you actually pay, what a realistic close looks like, and what a buyer can expect to earn from rent.

Cash at signing
Selling price €545,000
Transfer tax (1.5%) €8,175
Admin / drafting fee (est.) €380
Cash needed €553,555
Monthly running costs€/mo
Total housing-company fee €434
Implied annual €5,208
Realistic close estimate. Sales in 00850 settle 9.8% off ask on average (3 matched sales). At that rate, this listing closes near €491,815 (cash incl. tax + admin: €499,572).
Gross yield
rent ÷ asking
Implied annual rent
back-computed from yield
Implied monthly rent
annual ÷ 12

Mortgage estimate

Quick estimate of monthly principal + interest. Move the sliders for your situation.

20% · €
4.0%
25 years
Loan amount
debt-free price minus down payment
Monthly principal + interest
plus housing-company fee €— all-in
Total interest paid
over the full term

Illustrative only. Real offers depend on your credit, ECB / Euribor at draw-down, and the bank's margin.

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