12-month Euribor – July 2026
The average 12-month Euribor for July 2026 is 2.855 %, computed from 23 daily fixings (complete). The month opened at 2.727 %, closed at 2.964 %, with a low of 2.693 % and a high of 2.993 %. Versus June 2026 the average is up +0.057 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 3.86 % for the coming period.
Every number on this page is a published fixing, not an estimate: daily values come from the Bank of Finland's copy of the Euribor series, monthly averages are the arithmetic mean of those fixings and are cross-checked against the ECB Data Portal, and the tables are rebuilt each 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 2026
Source: Bank of Finland. Published with a 24-hour delay.
Date
| Date | Rate | Change |
|---|---|---|
| 2.964 % | +0.006 pp | |
| 2.958 % | +0.017 pp | |
| 2.941 % | -0.002 pp | |
| 2.943 % | -0.039 pp | |
| 2.982 % | -0.011 pp | |
| 2.993 % | +0.046 pp | |
| 2.947 % | +0.035 pp | |
| 2.912 % | -0.006 pp | |
| 2.918 % | +0.037 pp | |
| 2.881 % | +0.008 pp | |
| 2.873 % | -0.003 pp | |
| 2.876 % | -0.040 pp | |
| 2.916 % | +0.091 pp | |
| 2.825 % | +0.025 pp | |
| 2.800 % | -0.031 pp | |
| 2.831 % | +0.018 pp | |
| 2.813 % | +0.076 pp | |
| 2.737 % | +0.042 pp | |
| 2.695 % | +0.002 pp | |
| 2.693 % | -0.016 pp | |
| 2.709 % | -0.024 pp | |
| 2.733 % | +0.006 pp | |
| 2.727 % | – |
Source: Bank of Finland. Published with a 24-hour delay.
Frequently asked questions
What is the 12-month Euribor average for July 2026?
2.855 %, computed from 23 daily fixings. The ECB's official monthly average is 2.855 %.
My mortgage revises with the July average – what rate applies?
Reference 2.855 % plus your contractual spread; with a 1 pp spread the new rate is 3.86 %. Check whether your contract uses the previous month or the month before that.
Source: Bank of Finland (daily fixings), ECB Data Portal (monthly averages). Published with a 24-hour delay. 07/09/2026