12-month Euribor – July 2025
The average 12-month Euribor for July 2025 is 2.079 %, computed from 23 daily fixings (complete). The month opened at 2.070 %, closed at 2.126 %, with a low of 2.036 % and a high of 2.131 %. Versus June 2025 the average is down -0.002 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 12-month Euribor plus 1 pp would pay 3.08 % 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 |
|---|---|---|
| 2.126 % | +0.010 pp | |
| 2.116 % | 0.000 pp | |
| 2.116 % | -0.015 pp | |
| 2.131 % | +0.073 pp | |
| 2.058 % | +0.022 pp | |
| 2.036 % | -0.002 pp | |
| 2.038 % | -0.012 pp | |
| 2.050 % | -0.028 pp | |
| 2.078 % | +0.013 pp | |
| 2.065 % | -0.022 pp | |
| 2.087 % | -0.002 pp | |
| 2.089 % | -0.019 pp | |
| 2.108 % | -0.006 pp | |
| 2.114 % | +0.025 pp | |
| 2.089 % | 0.000 pp | |
| 2.089 % | +0.006 pp | |
| 2.083 % | +0.034 pp | |
| 2.049 % | +0.005 pp | |
| 2.044 % | -0.022 pp | |
| 2.066 % | +0.004 pp | |
| 2.062 % | +0.007 pp | |
| 2.055 % | -0.015 pp | |
| 2.070 % | – |
Source: official ECB / Eurosystem data. Published with a 24-hour delay.
Frequently asked questions
What is the 12-month Euribor average for July 2025?
2.079 %, computed from 23 daily fixings. The ECB's official monthly average is 2.079 %.
My mortgage revises with the July average – what rate applies?
Reference 2.079 % plus your contractual spread; with a 1 pp spread the new rate is 3.08 %. 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