3-month Euribor – November 2022
The average 3-month Euribor for November 2022 is 1.825 %, computed from 22 daily fixings (complete). The month opened at 1.737 %, closed at 1.973 %, with a low of 1.726 % and a high of 1.984 %. Versus October 2022 the average is up +0.398 pp.
Most variable mortgages in the euro area are revised on the monthly average, not the daily value. A loan that resets in November on the 3-month Euribor plus 1 pp would pay 2.83 % 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.
November 2022
Source: official ECB / Eurosystem data. Published with a 24-hour delay.
Date
| Date | Rate | Change |
|---|---|---|
| 1.973 % | -0.011 pp | |
| 1.984 % | +0.030 pp | |
| 1.954 % | +0.032 pp | |
| 1.922 % | +0.014 pp | |
| 1.908 % | +0.010 pp | |
| 1.898 % | +0.035 pp | |
| 1.863 % | +0.046 pp | |
| 1.817 % | -0.004 pp | |
| 1.821 % | +0.019 pp | |
| 1.802 % | -0.001 pp | |
| 1.803 % | +0.008 pp | |
| 1.795 % | +0.004 pp | |
| 1.791 % | +0.029 pp | |
| 1.762 % | -0.036 pp | |
| 1.798 % | -0.004 pp | |
| 1.802 % | +0.011 pp | |
| 1.791 % | +0.049 pp | |
| 1.742 % | +0.008 pp | |
| 1.734 % | +0.002 pp | |
| 1.732 % | +0.006 pp | |
| 1.726 % | -0.011 pp | |
| 1.737 % | – |
Source: official ECB / Eurosystem data. Published with a 24-hour delay.
Frequently asked questions
What is the 3-month Euribor average for November 2022?
1.825 %, computed from 22 daily fixings. The ECB's official monthly average is 1.825 %.
My mortgage revises with the November average – what rate applies?
Reference 1.825 % plus your contractual spread; with a 1 pp spread the new rate is 2.83 %. 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