3-month Euribor – December 2022
The average 3-month Euribor for December 2022 is 2.063 %, computed from 21 daily fixings (complete). The month opened at 1.972 %, closed at 2.132 %, with a low of 1.972 % and a high of 2.202 %. Versus November 2022 the average is up +0.238 pp.
Most variable mortgages in the euro area are revised on the monthly average, not the daily value. A loan that resets in December on the 3-month Euribor plus 1 pp would pay 3.06 % 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.
December 2022
Source: official ECB / Eurosystem data. Published with a 24-hour delay.
Date
| Date | Rate | Change |
|---|---|---|
| 2.132 % | -0.052 pp | |
| 2.184 % | -0.018 pp | |
| 2.202 % | +0.074 pp | |
| 2.128 % | -0.013 pp | |
| 2.141 % | +0.016 pp | |
| 2.125 % | +0.023 pp | |
| 2.102 % | +0.021 pp | |
| 2.081 % | +0.018 pp | |
| 2.063 % | +0.016 pp | |
| 2.047 % | -0.015 pp | |
| 2.062 % | -0.019 pp | |
| 2.081 % | +0.035 pp | |
| 2.046 % | -0.006 pp | |
| 2.052 % | +0.047 pp | |
| 2.005 % | +0.015 pp | |
| 1.990 % | +0.013 pp | |
| 1.977 % | -0.016 pp | |
| 1.993 % | +0.018 pp | |
| 1.975 % | 0.000 pp | |
| 1.975 % | +0.003 pp | |
| 1.972 % | – |
Source: official ECB / Eurosystem data. Published with a 24-hour delay.
Frequently asked questions
What is the 3-month Euribor average for December 2022?
2.063 %, computed from 21 daily fixings. The ECB's official monthly average is 2.063 %.
My mortgage revises with the December average – what rate applies?
Reference 2.063 % plus your contractual spread; with a 1 pp spread the new rate is 3.06 %. 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