12-month Euribor – October 2026
The average 12-month Euribor for October 2026 is 3.221 %, computed from 8 daily fixings (8 of about 21 business days so far). The month opened at 3.303 %, closed at 3.177 %, with a low of 3.177 % and a high of 3.323 %. Versus September 2026 the average is down 0.026 pp.
Most variable mortgages in the euro area are revised on the monthly average, not the daily value. A loan that resets in October on the 12-month Euribor plus 1 pp would pay 4.22 % 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.
October 2026
Source: official ECB / Eurosystem data. Published with a 24-hour delay.
Date
| Date | Rate | Change |
|---|---|---|
| 3.177 % | -0.014 pp | |
| 3.191 % | -0.022 pp | |
| 3.213 % | +0.019 pp | |
| 3.194 % | +0.017 pp | |
| 3.177 % | -0.009 pp | |
| 3.186 % | -0.137 pp | |
| 3.323 % | +0.020 pp | |
| 3.303 % | – |
Source: official ECB / Eurosystem data. Published with a 24-hour delay.
Frequently asked questions
What is the 12-month Euribor average for October 2026?
3.221 %, computed from 8 daily fixings. The ECB's official monthly average is –.
My mortgage revises with the October average – what rate applies?
Reference 3.221 % plus your contractual spread; with a 1 pp spread the new rate is 4.22 %. Check whether your contract uses the previous month or the month before that.
Source: official ECB / Eurosystem data. Published with a 24-hour delay. 13/10/2026