6-month Euribor – December 2024
The average 6-month Euribor for December 2024 is 2.632 %, computed from 20 daily fixings (complete). The month opened at 2.675 %, closed at 2.568 %, with a low of 2.562 % and a high of 2.675 %. Versus November 2024 the average is down 0.155 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 6-month Euribor plus 1 pp would pay 3.63 % 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 |
|---|---|---|
| 2.568 % | +0.006 pp | |
| 2.562 % | -0.015 pp | |
| 2.577 % | -0.020 pp | |
| 2.597 % | -0.015 pp | |
| 2.612 % | -0.012 pp | |
| 2.624 % | -0.013 pp | |
| 2.637 % | -0.015 pp | |
| 2.652 % | -0.012 pp | |
| 2.664 % | +0.009 pp | |
| 2.655 % | +0.016 pp | |
| 2.639 % | -0.017 pp | |
| 2.656 % | +0.002 pp | |
| 2.654 % | -0.001 pp | |
| 2.655 % | -0.006 pp | |
| 2.661 % | +0.007 pp | |
| 2.654 % | +0.012 pp | |
| 2.642 % | +0.017 pp | |
| 2.625 % | -0.009 pp | |
| 2.634 % | -0.041 pp | |
| 2.675 % | – |
Source: official ECB / Eurosystem data. Published with a 24-hour delay.
Frequently asked questions
What is the 6-month Euribor average for December 2024?
2.632 %, computed from 20 daily fixings. The ECB's official monthly average is 2.632 %.
My mortgage revises with the December average – what rate applies?
Reference 2.632 % plus your contractual spread; with a 1 pp spread the new rate is 3.63 %. 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