3-month Euribor – July 2024
The average 3-month Euribor for July 2024 is 3.685 %, computed from 23 daily fixings (complete). The month opened at 3.709 %, closed at 3.647 %, with a low of 3.631 % and a high of 3.714 %. Versus June 2024 the average is down -0.040 pp.
Most variable mortgages in the euro area are revised on the monthly average, not the daily value. A loan that resets in July on the 3-month Euribor plus 1 pp would pay 4.68 % 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.
July 2024
Source: Bank of Finland. Published with a 24-hour delay.
Date
| Date | Rate | Change |
|---|---|---|
| 3.647 % | +0.016 pp | |
| 3.631 % | -0.005 pp | |
| 3.636 % | -0.019 pp | |
| 3.655 % | -0.031 pp | |
| 3.686 % | -0.012 pp | |
| 3.698 % | +0.013 pp | |
| 3.685 % | -0.020 pp | |
| 3.705 % | +0.007 pp | |
| 3.698 % | +0.010 pp | |
| 3.688 % | +0.010 pp | |
| 3.678 % | +0.004 pp | |
| 3.674 % | +0.012 pp | |
| 3.662 % | -0.002 pp | |
| 3.664 % | -0.021 pp | |
| 3.685 % | -0.019 pp | |
| 3.704 % | -0.004 pp | |
| 3.708 % | +0.009 pp | |
| 3.699 % | -0.013 pp | |
| 3.712 % | +0.004 pp | |
| 3.708 % | +0.003 pp | |
| 3.705 % | -0.009 pp | |
| 3.714 % | +0.005 pp | |
| 3.709 % | – |
Source: Bank of Finland. Published with a 24-hour delay.
Frequently asked questions
What is the 3-month Euribor average for July 2024?
3.685 %, computed from 23 daily fixings. The ECB's official monthly average is 3.685 %.
My mortgage revises with the July average – what rate applies?
Reference 3.685 % plus your contractual spread; with a 1 pp spread the new rate is 4.68 %. 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