3-month Euribor – January 2024
The average 3-month Euribor for January 2024 is 3.925 %, computed from 23 daily fixings (complete). The month opened at 3.909 %, closed at 3.905 %, with a low of 3.887 % and a high of 3.970 %. Versus December 2023 the average is down -0.010 pp.
Most variable mortgages in the euro area are revised on the monthly average, not the daily value. A loan that resets in January on the 3-month Euribor plus 1 pp would pay 4.92 % 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.
January 2024
Source: Bank of Finland. Published with a 24-hour delay.
Date
| Date | Rate | Change |
|---|---|---|
| 3.905 % | +0.008 pp | |
| 3.897 % | -0.015 pp | |
| 3.912 % | +0.025 pp | |
| 3.887 % | -0.038 pp | |
| 3.925 % | -0.004 pp | |
| 3.929 % | -0.019 pp | |
| 3.948 % | +0.003 pp | |
| 3.945 % | -0.013 pp | |
| 3.958 % | -0.012 pp | |
| 3.970 % | +0.067 pp | |
| 3.903 % | +0.009 pp | |
| 3.894 % | -0.034 pp | |
| 3.928 % | -0.004 pp | |
| 3.932 % | -0.010 pp | |
| 3.942 % | +0.006 pp | |
| 3.936 % | +0.008 pp | |
| 3.928 % | +0.003 pp | |
| 3.925 % | -0.011 pp | |
| 3.936 % | +0.014 pp | |
| 3.922 % | -0.007 pp | |
| 3.929 % | +0.024 pp | |
| 3.905 % | -0.004 pp | |
| 3.909 % | – |
Source: Bank of Finland. Published with a 24-hour delay.
Frequently asked questions
What is the 3-month Euribor average for January 2024?
3.925 %, computed from 23 daily fixings. The ECB's official monthly average is 3.925 %.
My mortgage revises with the January average – what rate applies?
Reference 3.925 % plus your contractual spread; with a 1 pp spread the new rate is 4.92 %. 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