6-month Euribor – December 2022
The average 6-month Euribor for December 2022 is 2.560 %, computed from 21 daily fixings (complete). The month opened at 2.405 %, closed at 2.693 %, with a low of 2.405 % and a high of 2.752 %. Versus November 2022 the average is up +0.239 pp.
Most variable mortgages in the euro area are revised on the monthly average, not the daily value. A loan that resets in December on the 6-month Euribor plus 1 pp would pay 3.56 % 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.
December 2022
Source: official ECB / Eurosystem data. Published with a 24-hour delay.
Date
| Date | Rate | Change |
|---|---|---|
| 2.693 % | -0.033 pp | |
| 2.726 % | -0.026 pp | |
| 2.752 % | +0.049 pp | |
| 2.703 % | +0.002 pp | |
| 2.701 % | +0.005 pp | |
| 2.696 % | +0.051 pp | |
| 2.645 % | +0.020 pp | |
| 2.625 % | +0.040 pp | |
| 2.585 % | +0.016 pp | |
| 2.569 % | +0.076 pp | |
| 2.493 % | -0.026 pp | |
| 2.519 % | +0.040 pp | |
| 2.479 % | -0.048 pp | |
| 2.527 % | +0.061 pp | |
| 2.466 % | +0.010 pp | |
| 2.456 % | +0.014 pp | |
| 2.442 % | -0.001 pp | |
| 2.443 % | +0.007 pp | |
| 2.436 % | +0.030 pp | |
| 2.406 % | +0.001 pp | |
| 2.405 % | – |
Source: official ECB / Eurosystem data. Published with a 24-hour delay.
Frequently asked questions
What is the 6-month Euribor average for December 2022?
2.560 %, computed from 21 daily fixings. The ECB's official monthly average is 2.560 %.
My mortgage revises with the December average – what rate applies?
Reference 2.560 % plus your contractual spread; with a 1 pp spread the new rate is 3.56 %. 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