To date, the existing literature lacks any studies that compare timber and concrete apartment buildings in the Finnish context regarding their carbon footprint, handprint, and the cost of frame structures. This study rigorously analyzes and calculates the carbon footprint, carbon handprint, and costs associated with various structural solutions in a proposed multi-story building located in Laajasalo, Helsinki, Finland. While the primary focus is on wooden frame construction, exploring both its challenges and opportunities, this study also includes a comparative assessment with concrete frame construction. In Finland, regulations require a sprinkler fire extinguishing system to be installed inside. Also, weather protection is typically added to the top of building in connection with the construction of wooden apartment buildings. When the costs of a sprinkler system and weather protection are taken into account, the cost of achieving positive climate effects through a concrete frame is 290% higher than that of a solid wood frame. Our findings will provide a robust basis for assessing the sustainability and feasibility of construction methods, offering valuable insights into environmental and economic considerations for decision-makers in Finland and beyond as regulations evolve and awareness of climate impacts grows.