6-month Euribor – November 2022
The average 6-month Euribor for November 2022 is 2.321 %, computed from 22 daily fixings (complete). The month opened at 2.168 %, closed at 2.414 %, with a low of 2.168 % and a high of 2.442 %. Versus October 2022 the average is up +0.324 pp.
Most variable mortgages in the euro area are revised on the monthly average, not the daily value. A loan that resets in November on the 6-month Euribor plus 1 pp would pay 3.32 % 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.
November 2022
Source: official ECB / Eurosystem data. Published with a 24-hour delay.
Date
| Date | Rate | Change |
|---|---|---|
| 2.414 % | -0.028 pp | |
| 2.442 % | +0.006 pp | |
| 2.436 % | +0.062 pp | |
| 2.374 % | +0.006 pp | |
| 2.368 % | +0.008 pp | |
| 2.360 % | +0.022 pp | |
| 2.338 % | +0.011 pp | |
| 2.327 % | -0.015 pp | |
| 2.342 % | +0.048 pp | |
| 2.294 % | -0.017 pp | |
| 2.311 % | +0.011 pp | |
| 2.300 % | -0.037 pp | |
| 2.337 % | +0.046 pp | |
| 2.291 % | -0.028 pp | |
| 2.319 % | -0.014 pp | |
| 2.333 % | +0.017 pp | |
| 2.316 % | +0.020 pp | |
| 2.296 % | +0.018 pp | |
| 2.278 % | +0.053 pp | |
| 2.225 % | +0.027 pp | |
| 2.198 % | +0.030 pp | |
| 2.168 % | – |
Source: official ECB / Eurosystem data. Published with a 24-hour delay.
Frequently asked questions
What is the 6-month Euribor average for November 2022?
2.321 %, computed from 22 daily fixings. The ECB's official monthly average is 2.321 %.
My mortgage revises with the November average – what rate applies?
Reference 2.321 % plus your contractual spread; with a 1 pp spread the new rate is 3.32 %. 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