12-month Euribor – September 2022
The average 12-month Euribor for September 2022 is 2.233 %, computed from 22 daily fixings (complete). The month opened at 1.851 %, closed at 2.556 %, with a low of 1.851 % and a high of 2.625 %. Versus August 2022 the average is up +0.984 pp.
Most variable mortgages in the euro area are revised on the monthly average, not the daily value. A loan that resets in September on the 12-month Euribor plus 1 pp would pay 3.23 % 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.
September 2022
Source: official ECB / Eurosystem data. Published with a 24-hour delay.
Date
| Date | Rate | Change |
|---|---|---|
| 2.556 % | -0.022 pp | |
| 2.578 % | -0.043 pp | |
| 2.621 % | -0.004 pp | |
| 2.625 % | +0.062 pp | |
| 2.563 % | +0.063 pp | |
| 2.500 % | +0.058 pp | |
| 2.442 % | +0.026 pp | |
| 2.416 % | +0.078 pp | |
| 2.338 % | +0.043 pp | |
| 2.295 % | +0.032 pp | |
| 2.263 % | +0.040 pp | |
| 2.223 % | +0.067 pp | |
| 2.156 % | +0.054 pp | |
| 2.102 % | +0.027 pp | |
| 2.075 % | +0.060 pp | |
| 2.015 % | +0.112 pp | |
| 1.903 % | -0.010 pp | |
| 1.913 % | -0.008 pp | |
| 1.921 % | +0.047 pp | |
| 1.874 % | -0.022 pp | |
| 1.896 % | +0.045 pp | |
| 1.851 % | – |
Source: official ECB / Eurosystem data. Published with a 24-hour delay.
Frequently asked questions
What is the 12-month Euribor average for September 2022?
2.233 %, computed from 22 daily fixings. The ECB's official monthly average is 2.233 %.
My mortgage revises with the September average – what rate applies?
Reference 2.233 % plus your contractual spread; with a 1 pp spread the new rate is 3.23 %. 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