12-month Euribor – January 2026
The average 12-month Euribor for January 2026 is 2.245 %, computed from 22 daily fixings (complete). The month opened at 2.243 %, closed at 2.226 %, with a low of 2.216 % and a high of 2.261 %. Versus December 2025 the average is down -0.023 pp.
Most variable mortgages in the euro area are revised on the monthly average, not the daily value. A loan that resets in January on the 12-month Euribor plus 1 pp would pay 3.25 % for the coming period.
Every number on this page is an official published fixing, not an estimate: daily values are the Euribor fixings as published in the ECB / Eurosystem's official statistics, monthly averages are the arithmetic mean of those fixings and are cross-checked against the ECB Data Portal, and the tables are refreshed every business day after the previous day's fixing appears. Tenors use the ACT/360 convention. Where a monthly average differs from the ECB figure by more than a hundredth of a point the methodology page lists the case.
What does it mean for a mortgage?
Annuity formula; assumes the rate applies for the whole remaining term. Your bank may round or use a different convention.
January 2026
Source: official ECB / Eurosystem data. Published with a 24-hour delay.
Date
| Date | Rate | Change |
|---|---|---|
| 2.226 % | -0.002 pp | |
| 2.228 % | -0.018 pp | |
| 2.246 % | -0.003 pp | |
| 2.249 % | +0.002 pp | |
| 2.247 % | +0.004 pp | |
| 2.243 % | +0.027 pp | |
| 2.216 % | -0.012 pp | |
| 2.228 % | -0.008 pp | |
| 2.236 % | -0.023 pp | |
| 2.259 % | +0.011 pp | |
| 2.248 % | -0.005 pp | |
| 2.253 % | +0.002 pp | |
| 2.251 % | +0.001 pp | |
| 2.250 % | +0.001 pp | |
| 2.249 % | -0.002 pp | |
| 2.251 % | +0.004 pp | |
| 2.247 % | -0.012 pp | |
| 2.259 % | -0.002 pp | |
| 2.261 % | +0.006 pp | |
| 2.255 % | +0.010 pp | |
| 2.245 % | +0.002 pp | |
| 2.243 % | – |
Source: official ECB / Eurosystem data. Published with a 24-hour delay.
Frequently asked questions
What is the 12-month Euribor average for January 2026?
2.245 %, computed from 22 daily fixings. The ECB's official monthly average is 2.245 %.
My mortgage revises with the January average – what rate applies?
Reference 2.245 % plus your contractual spread; with a 1 pp spread the new rate is 3.25 %. Check whether your contract uses the previous month or the month before that.
Source: official ECB / Eurosystem data. Published with a 24-hour delay. 07/09/2026