3-month Euribor – September 2022
The average 3-month Euribor for September 2022 is 1.011 %, computed from 22 daily fixings (complete). The month opened at 0.712 %, closed at 1.173 %, with a low of 0.712 % and a high of 1.228 %. Versus August 2022 the average is up +0.616 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 3-month Euribor plus 1 pp would pay 2.01 % 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.
September 2022
Source: Bank of Finland. Published with a 24-hour delay.
Date
| Date | Rate | Change |
|---|---|---|
| 1.173 % | +0.013 pp | |
| 1.160 % | -0.033 pp | |
| 1.193 % | -0.035 pp | |
| 1.228 % | +0.060 pp | |
| 1.168 % | +0.015 pp | |
| 1.153 % | +0.033 pp | |
| 1.120 % | +0.002 pp | |
| 1.118 % | +0.018 pp | |
| 1.100 % | +0.034 pp | |
| 1.066 % | +0.003 pp | |
| 1.063 % | +0.033 pp | |
| 1.030 % | +0.017 pp | |
| 1.013 % | +0.013 pp | |
| 1.000 % | +0.012 pp | |
| 0.988 % | +0.054 pp | |
| 0.934 % | +0.098 pp | |
| 0.836 % | +0.014 pp | |
| 0.822 % | +0.006 pp | |
| 0.816 % | +0.033 pp | |
| 0.783 % | +0.020 pp | |
| 0.763 % | +0.051 pp | |
| 0.712 % | – |
Source: Bank of Finland. Published with a 24-hour delay.
Frequently asked questions
What is the 3-month Euribor average for September 2022?
1.011 %, computed from 22 daily fixings. The ECB's official monthly average is 1.011 %.
My mortgage revises with the September average – what rate applies?
Reference 1.011 % plus your contractual spread; with a 1 pp spread the new rate is 2.01 %. 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