3-month Euribor – October 2022
The average 3-month Euribor for October 2022 is 1.428 %, computed from 21 daily fixings (complete). The month opened at 1.185 %, closed at 1.704 %, with a low of 1.173 % and a high of 1.704 %. Versus September 2022 the average is up +0.417 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 3-month Euribor plus 1 pp would pay 2.43 % 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.
October 2022
Source: Bank of Finland. Published with a 24-hour delay.
Date
| Date | Rate | Change |
|---|---|---|
| 1.704 % | +0.063 pp | |
| 1.641 % | +0.036 pp | |
| 1.605 % | +0.027 pp | |
| 1.578 % | +0.001 pp | |
| 1.577 % | +0.019 pp | |
| 1.558 % | +0.015 pp | |
| 1.543 % | +0.041 pp | |
| 1.502 % | +0.040 pp | |
| 1.462 % | +0.006 pp | |
| 1.456 % | -0.002 pp | |
| 1.458 % | +0.055 pp | |
| 1.403 % | +0.025 pp | |
| 1.378 % | +0.015 pp | |
| 1.363 % | +0.023 pp | |
| 1.340 % | +0.021 pp | |
| 1.319 % | +0.031 pp | |
| 1.288 % | +0.040 pp | |
| 1.248 % | +0.048 pp | |
| 1.200 % | +0.027 pp | |
| 1.173 % | -0.012 pp | |
| 1.185 % | – |
Source: Bank of Finland. Published with a 24-hour delay.
Frequently asked questions
What is the 3-month Euribor average for October 2022?
1.428 %, computed from 21 daily fixings. The ECB's official monthly average is 1.428 %.
My mortgage revises with the October average – what rate applies?
Reference 1.428 % plus your contractual spread; with a 1 pp spread the new rate is 2.43 %. 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