6-month Euribor – January 2023
The average 6-month Euribor for January 2023 is 2.858 %, computed from 22 daily fixings (complete). The month opened at 2.732 %, closed at 2.988 %, with a low of 2.732 % and a high of 2.988 %. Versus December 2022 the average is up +0.298 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 6-month Euribor plus 1 pp would pay 3.86 % 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.
January 2023
Source: Bank of Finland. Published with a 24-hour delay.
Date
| Date | Rate | Change |
|---|---|---|
| 2.988 % | +0.029 pp | |
| 2.959 % | +0.017 pp | |
| 2.942 % | +0.020 pp | |
| 2.922 % | -0.006 pp | |
| 2.928 % | +0.006 pp | |
| 2.922 % | +0.005 pp | |
| 2.917 % | +0.022 pp | |
| 2.895 % | +0.038 pp | |
| 2.857 % | +0.025 pp | |
| 2.832 % | -0.046 pp | |
| 2.878 % | +0.035 pp | |
| 2.843 % | -0.033 pp | |
| 2.876 % | +0.058 pp | |
| 2.818 % | -0.040 pp | |
| 2.858 % | +0.038 pp | |
| 2.820 % | +0.011 pp | |
| 2.809 % | +0.004 pp | |
| 2.805 % | +0.033 pp | |
| 2.772 % | +0.011 pp | |
| 2.761 % | +0.022 pp | |
| 2.739 % | +0.007 pp | |
| 2.732 % | – |
Source: Bank of Finland. Published with a 24-hour delay.
Frequently asked questions
What is the 6-month Euribor average for January 2023?
2.858 %, computed from 22 daily fixings. The ECB's official monthly average is 2.858 %.
My mortgage revises with the January average – what rate applies?
Reference 2.858 % plus your contractual spread; with a 1 pp spread the new rate is 3.86 %. 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