3-month Euribor – October 2024
The average 3-month Euribor for October 2024 is 3.167 %, computed from 23 daily fixings (complete). The month opened at 3.252 %, closed at 3.062 %, with a low of 3.052 % and a high of 3.268 %. Versus September 2024 the average is down -0.267 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 4.17 % 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 2024
Source: Bank of Finland. Published with a 24-hour delay.
Date
| Date | Rate | Change |
|---|---|---|
| 3.062 % | +0.006 pp | |
| 3.056 % | 0.000 pp | |
| 3.056 % | +0.004 pp | |
| 3.052 % | -0.007 pp | |
| 3.059 % | -0.013 pp | |
| 3.072 % | -0.014 pp | |
| 3.086 % | -0.012 pp | |
| 3.098 % | -0.040 pp | |
| 3.138 % | -0.063 pp | |
| 3.201 % | -0.018 pp | |
| 3.219 % | +0.011 pp | |
| 3.208 % | -0.007 pp | |
| 3.215 % | +0.010 pp | |
| 3.205 % | +0.026 pp | |
| 3.179 % | -0.005 pp | |
| 3.184 % | -0.039 pp | |
| 3.223 % | -0.042 pp | |
| 3.265 % | -0.003 pp | |
| 3.268 % | +0.018 pp | |
| 3.250 % | +0.012 pp | |
| 3.238 % | -0.008 pp | |
| 3.246 % | -0.006 pp | |
| 3.252 % | – |
Source: Bank of Finland. Published with a 24-hour delay.
Frequently asked questions
What is the 3-month Euribor average for October 2024?
3.167 %, computed from 23 daily fixings. The ECB's official monthly average is 3.167 %.
My mortgage revises with the October average – what rate applies?
Reference 3.167 % plus your contractual spread; with a 1 pp spread the new rate is 4.17 %. 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