6-month Euribor – October 2022
The average 6-month Euribor for October 2022 is 1.997 %, computed from 21 daily fixings (complete). The month opened at 1.775 %, closed at 2.130 %, with a low of 1.731 % and a high of 2.132 %. Versus September 2022 the average is up +0.401 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 6-month Euribor plus 1 pp would pay 3.00 % 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.
October 2022
Source: official ECB / Eurosystem data. Published with a 24-hour delay.
Date
| Date | Rate | Change |
|---|---|---|
| 2.130 % | +0.096 pp | |
| 2.034 % | -0.084 pp | |
| 2.118 % | +0.015 pp | |
| 2.103 % | -0.003 pp | |
| 2.106 % | -0.026 pp | |
| 2.132 % | +0.025 pp | |
| 2.107 % | +0.024 pp | |
| 2.083 % | +0.026 pp | |
| 2.057 % | +0.019 pp | |
| 2.038 % | +0.006 pp | |
| 2.032 % | +0.005 pp | |
| 2.027 % | +0.015 pp | |
| 2.012 % | +0.014 pp | |
| 1.998 % | -0.005 pp | |
| 2.003 % | +0.041 pp | |
| 1.962 % | +0.065 pp | |
| 1.897 % | +0.059 pp | |
| 1.838 % | +0.107 pp | |
| 1.731 % | -0.031 pp | |
| 1.762 % | -0.013 pp | |
| 1.775 % | – |
Source: official ECB / Eurosystem data. Published with a 24-hour delay.
Frequently asked questions
What is the 6-month Euribor average for October 2022?
1.997 %, computed from 21 daily fixings. The ECB's official monthly average is 1.997 %.
My mortgage revises with the October average – what rate applies?
Reference 1.997 % plus your contractual spread; with a 1 pp spread the new rate is 3.00 %. 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