12-month Euribor – December 2022
The average 12-month Euribor for December 2022 is 3.018 %, computed from 21 daily fixings (complete). The month opened at 2.842 %, closed at 3.291 %, with a low of 2.811 % and a high of 3.325 %. Versus November 2022 the average is up +0.190 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 12-month Euribor plus 1 pp would pay 4.02 % 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 2022
Source: official ECB / Eurosystem data. Published with a 24-hour delay.
Date
| Date | Rate | Change |
|---|---|---|
| 3.291 % | +0.003 pp | |
| 3.288 % | -0.037 pp | |
| 3.325 % | +0.060 pp | |
| 3.265 % | +0.027 pp | |
| 3.238 % | +0.046 pp | |
| 3.192 % | +0.016 pp | |
| 3.176 % | +0.058 pp | |
| 3.118 % | +0.061 pp | |
| 3.057 % | +0.064 pp | |
| 2.993 % | +0.126 pp | |
| 2.867 % | -0.004 pp | |
| 2.871 % | -0.002 pp | |
| 2.873 % | -0.007 pp | |
| 2.880 % | +0.019 pp | |
| 2.861 % | +0.003 pp | |
| 2.858 % | -0.006 pp | |
| 2.864 % | -0.006 pp | |
| 2.870 % | +0.029 pp | |
| 2.841 % | +0.030 pp | |
| 2.811 % | -0.031 pp | |
| 2.842 % | – |
Source: official ECB / Eurosystem data. Published with a 24-hour delay.
Frequently asked questions
What is the 12-month Euribor average for December 2022?
3.018 %, computed from 21 daily fixings. The ECB's official monthly average is 3.018 %.
My mortgage revises with the December average – what rate applies?
Reference 3.018 % plus your contractual spread; with a 1 pp spread the new rate is 4.02 %. 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