3-month Euribor – July 2026
The average 3-month Euribor for July 2026 is 2.425 %, computed from 23 daily fixings (complete). The month opened at 2.312 %, closed at 2.484 %, with a low of 2.312 % and a high of 2.493 %. Versus June 2026 the average is up +0.086 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 3.43 % 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 2026
Source: Bank of Finland. Published with a 24-hour delay.
Date
| Date | Rate | Change |
|---|---|---|
| 2.484 % | +0.012 pp | |
| 2.472 % | +0.013 pp | |
| 2.459 % | +0.014 pp | |
| 2.445 % | -0.009 pp | |
| 2.454 % | -0.034 pp | |
| 2.488 % | +0.016 pp | |
| 2.472 % | +0.016 pp | |
| 2.456 % | -0.019 pp | |
| 2.475 % | -0.018 pp | |
| 2.493 % | +0.010 pp | |
| 2.483 % | -0.002 pp | |
| 2.485 % | -0.005 pp | |
| 2.490 % | +0.038 pp | |
| 2.452 % | +0.021 pp | |
| 2.431 % | +0.019 pp | |
| 2.412 % | +0.034 pp | |
| 2.378 % | +0.025 pp | |
| 2.353 % | +0.040 pp | |
| 2.313 % | -0.008 pp | |
| 2.321 % | 0.000 pp | |
| 2.321 % | -0.014 pp | |
| 2.335 % | +0.023 pp | |
| 2.312 % | – |
Source: Bank of Finland. Published with a 24-hour delay.
Frequently asked questions
What is the 3-month Euribor average for July 2026?
2.425 %, computed from 23 daily fixings. The ECB's official monthly average is 2.425 %.
My mortgage revises with the July average – what rate applies?
Reference 2.425 % plus your contractual spread; with a 1 pp spread the new rate is 3.43 %. 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