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Tervo

Tervo had 1,388 residents at the end of 2024. Median disposable income of adults was €22,004 in 2024, 11% below the regional level. 19% of households rented and 80% owned their home. The population has fallen by 14% since 2015.

Municipality · Code 844 · Statistics Finland · Updated 24 October 2026
1,388residents31 December 2024
€22,004median incomeadults, 2024
19%of households rentingtenure
17%green within 500 maverage
Tervo by postcode area
Map of Tervo: Share of land within 500 m that is green space
0%30%+
Share of land within 500 m that is green space

Sources: Statistics Finland, Paavo open data by postal code area 2026 (CC BY 4.0) · Statistics Finland, municipal and regional boundaries 2026 (CC BY 4.0) · © OpenStreetMap contributors (ODbL)

All 3 postcode areas.

Colour shows where each one sits among the others in the table, from lowest to highest.

Postcode areaResidentsMedian incomeRentingOwning65+Avg. ageUnemploymentGreen 500 mServices 15 min
71640 Talluskylä178€22,3665%95%49%5815.9%58%0
72210 Tervo Keskus-Eliaksela1,059€21,96123%76%44%5513.0%8%11
72220 Eliaksela54€24,715––32%508.3%62%0

Sources: Statistics Finland, Paavo open data by postal code area 2026 (CC BY 4.0) · © OpenStreetMap contributors (ODbL)

People.

Age at the end of 2024, next to the figure for North Savo.

10%
aged under 16
3%
aged 16–24
16%
aged 25–44
26%
aged 45–64
45%
aged 65 and over
56
years, average age

Main activity

Employed33%
Unemployed5%
Students2%
Pensioners48%
Children aged 0–1410%
Others2%

Population at the end of each year

20151,608
20161,611
20171,585
20181,567
20191,520
20201,503
20211,479
20221,441
20231,412
20241,388

Source: Statistics Finland, Paavo open data by postal code area 2026 (CC BY 4.0)

Income and education.

Disposable income in 2024 and education at the end of 2024.

€22,004
median income, adults
€25,734
mean income, adults
13.0%
unemployment rate

Education of adults

No qualification after basic education28%
Matriculation examination2%
Vocational qualification49%
Lower university or polytechnic degree16%
Higher university degree5%

Income is the disposable money income of residents aged 18 and over in 2024: taxable and tax-free income minus taxes and contributions. The median is the middle value, so a few high earners do not pull it up.

Source: Statistics Finland, Paavo open data by postal code area 2026 (CC BY 4.0)

Homes.

759 households and 989 homes at the end of 2024.

1.8
people per household
54.6 m²
floor area per person
90.6 m²
average home size
7%
of homes in blocks of flats

Households by tenure

Owner-occupied80%
Rented19%
Other tenure1%

Households

One-person households49%
Young one-person households3%
Households with children12%
Pensioner households59%

Household groups overlap: young one-person households, for example, are also counted as one-person households.

309jobs located hereworkplaces
894summer cottages and other leisure homesleisure homes
91%of homes in housesdetached, semi-detached, terraced

Statistics Finland withholds a figure when fewer than 30 people are behind it (fewer than 10 for workplaces). Missing figures are shown as a dash and never estimated.

Source: Statistics Finland, Paavo open data by postal code area 2026 (CC BY 4.0)

Everyday life.

9 everyday shops and services within a 15-minute walk; 17% green space within 500 metres.

1schoolOpenStreetMap
0day-care centresOpenStreetMap
3residents per km²494.1 km²

Services and green space are measured from each postcode area’s service centre: the point inside the area with the most shops and services within 500 metres. Municipal and regional figures are averages weighted by population.

Source: © OpenStreetMap contributors (ODbL)

Around here.

Photographs taken near Tervo, shared on Wikimedia Commons under free licences.

Rasvanki
i
Rasvanki
Photo: Fanny Schertzer · CC BY-SA 3.0
View on Wikimedia Commons
Rasvanki-2
i
Rasvanki-2
Photo: Fanny Schertzer · CC BY-SA 3.0
View on Wikimedia Commons
Juhannus -08 keskiyö
i
Juhannus -08 keskiyö
Photo: pietu_66 · CC BY 3.0
View on Wikimedia Commons

Other municipalities in North Savo.