6-month Euribor – July 2025
The average 6-month Euribor for July 2025 is 2.055 %, computed from 23 daily fixings (complete). The month opened at 2.051 %, closed at 2.075 %, with a low of 2.016 % and a high of 2.101 %. Versus June 2025 the average is up +0.006 pp.
Most variable mortgages in the euro area are revised on the monthly average, not the daily value. A loan that resets in July on the 6-month Euribor plus 1 pp would pay 3.06 % 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.
July 2025
Source: official ECB / Eurosystem data. Published with a 24-hour delay.
Date
| Date | Rate | Change |
|---|---|---|
| 2.075 % | -0.010 pp | |
| 2.085 % | +0.002 pp | |
| 2.083 % | -0.018 pp | |
| 2.101 % | +0.048 pp | |
| 2.053 % | +0.016 pp | |
| 2.037 % | +0.003 pp | |
| 2.034 % | +0.002 pp | |
| 2.032 % | -0.019 pp | |
| 2.051 % | +0.002 pp | |
| 2.049 % | -0.020 pp | |
| 2.069 % | 0.000 pp | |
| 2.069 % | -0.010 pp | |
| 2.079 % | -0.008 pp | |
| 2.087 % | +0.015 pp | |
| 2.072 % | +0.002 pp | |
| 2.070 % | +0.019 pp | |
| 2.051 % | +0.032 pp | |
| 2.019 % | +0.003 pp | |
| 2.016 % | -0.010 pp | |
| 2.026 % | -0.005 pp | |
| 2.031 % | -0.002 pp | |
| 2.033 % | -0.018 pp | |
| 2.051 % | – |
Source: official ECB / Eurosystem data. Published with a 24-hour delay.
Frequently asked questions
What is the 6-month Euribor average for July 2025?
2.055 %, computed from 23 daily fixings. The ECB's official monthly average is 2.055 %.
My mortgage revises with the July average – what rate applies?
Reference 2.055 % plus your contractual spread; with a 1 pp spread the new rate is 3.06 %. 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