3-month Euribor – January 2026
The average 3-month Euribor for January 2026 is 2.028 %, computed from 22 daily fixings (complete). The month opened at 2.026 %, closed at 2.031 %, with a low of 2.016 % and a high of 2.039 %. Versus December 2025 the average is down -0.022 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 3.03 % 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.
January 2026
Source: official ECB / Eurosystem data. Published with a 24-hour delay.
Date
| Date | Rate | Change |
|---|---|---|
| 2.031 % | +0.011 pp | |
| 2.020 % | -0.006 pp | |
| 2.026 % | -0.013 pp | |
| 2.039 % | +0.001 pp | |
| 2.038 % | 0.000 pp | |
| 2.038 % | +0.008 pp | |
| 2.030 % | -0.004 pp | |
| 2.034 % | +0.007 pp | |
| 2.027 % | -0.002 pp | |
| 2.029 % | -0.004 pp | |
| 2.033 % | +0.007 pp | |
| 2.026 % | +0.010 pp | |
| 2.016 % | 0.000 pp | |
| 2.016 % | -0.004 pp | |
| 2.020 % | +0.001 pp | |
| 2.019 % | -0.012 pp | |
| 2.031 % | -0.001 pp | |
| 2.032 % | +0.006 pp | |
| 2.026 % | -0.008 pp | |
| 2.034 % | +0.005 pp | |
| 2.029 % | +0.003 pp | |
| 2.026 % | – |
Source: official ECB / Eurosystem data. Published with a 24-hour delay.
Frequently asked questions
What is the 3-month Euribor average for January 2026?
2.028 %, computed from 22 daily fixings. The ECB's official monthly average is 2.028 %.
My mortgage revises with the January average – what rate applies?
Reference 2.028 % plus your contractual spread; with a 1 pp spread the new rate is 3.03 %. 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