3-month Euribor – December 2024
The average 3-month Euribor for December 2024 is 2.825 %, computed from 20 daily fixings (complete). The month opened at 2.924 %, closed at 2.714 %, with a low of 2.678 % and a high of 2.924 %. Versus November 2024 the average is down 0.182 pp.
Most variable mortgages in the euro area are revised on the monthly average, not the daily value. A loan that resets in December on the 3-month Euribor plus 1 pp would pay 3.82 % 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.
December 2024
Source: official ECB / Eurosystem data. Published with a 24-hour delay.
Date
| Date | Rate | Change |
|---|---|---|
| 2.714 % | +0.036 pp | |
| 2.678 % | -0.005 pp | |
| 2.683 % | -0.032 pp | |
| 2.715 % | -0.016 pp | |
| 2.731 % | -0.041 pp | |
| 2.772 % | -0.067 pp | |
| 2.839 % | -0.013 pp | |
| 2.852 % | -0.013 pp | |
| 2.865 % | +0.002 pp | |
| 2.863 % | +0.020 pp | |
| 2.843 % | -0.043 pp | |
| 2.886 % | -0.002 pp | |
| 2.888 % | +0.016 pp | |
| 2.872 % | +0.010 pp | |
| 2.862 % | -0.006 pp | |
| 2.868 % | -0.013 pp | |
| 2.881 % | +0.004 pp | |
| 2.877 % | -0.002 pp | |
| 2.879 % | -0.045 pp | |
| 2.924 % | – |
Source: official ECB / Eurosystem data. Published with a 24-hour delay.
Frequently asked questions
What is the 3-month Euribor average for December 2024?
2.825 %, computed from 20 daily fixings. The ECB's official monthly average is 2.825 %.
My mortgage revises with the December average – what rate applies?
Reference 2.825 % plus your contractual spread; with a 1 pp spread the new rate is 3.82 %. 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