12-month Euribor – October 2022
The average 12-month Euribor for October 2022 is 2.629 %, computed from 21 daily fixings (complete). The month opened at 2.500 %, closed at 2.630 %, with a low of 2.363 % and a high of 2.778 %. Versus September 2022 the average is up +0.396 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 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.
October 2022
Source: official ECB / Eurosystem data. Published with a 24-hour delay.
Date
| Date | Rate | Change |
|---|---|---|
| 2.630 % | +0.063 pp | |
| 2.567 % | -0.104 pp | |
| 2.671 % | -0.019 pp | |
| 2.690 % | -0.035 pp | |
| 2.725 % | -0.013 pp | |
| 2.738 % | -0.040 pp | |
| 2.778 % | +0.045 pp | |
| 2.733 % | +0.049 pp | |
| 2.684 % | -0.014 pp | |
| 2.698 % | +0.019 pp | |
| 2.679 % | +0.002 pp | |
| 2.677 % | +0.016 pp | |
| 2.661 % | +0.002 pp | |
| 2.659 % | -0.034 pp | |
| 2.693 % | +0.054 pp | |
| 2.639 % | +0.087 pp | |
| 2.552 % | +0.082 pp | |
| 2.470 % | +0.107 pp | |
| 2.363 % | -0.047 pp | |
| 2.410 % | -0.090 pp | |
| 2.500 % | – |
Source: official ECB / Eurosystem data. Published with a 24-hour delay.
Frequently asked questions
What is the 12-month Euribor average for October 2022?
2.629 %, computed from 21 daily fixings. The ECB's official monthly average is 2.629 %.
My mortgage revises with the October average – what rate applies?
Reference 2.629 % 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