6-month Euribor – July 2023
The average 6-month Euribor for July 2023 is 3.942 %, computed from 21 daily fixings (complete). The month opened at 3.913 %, closed at 3.929 %, with a low of 3.888 % and a high of 3.972 %. Versus June 2023 the average is up +0.117 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 6-month Euribor plus 1 pp would pay 4.94 % 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 2023
Source: Bank of Finland. Published with a 24-hour delay.
Date
| Date | Rate | Change |
|---|---|---|
| 3.929 % | -0.029 pp | |
| 3.958 % | -0.014 pp | |
| 3.972 % | +0.020 pp | |
| 3.952 % | -0.014 pp | |
| 3.966 % | -0.006 pp | |
| 3.972 % | 0.000 pp | |
| 3.972 % | +0.020 pp | |
| 3.952 % | +0.015 pp | |
| 3.937 % | -0.025 pp | |
| 3.962 % | 0.000 pp | |
| 3.962 % | +0.021 pp | |
| 3.941 % | -0.004 pp | |
| 3.945 % | -0.010 pp | |
| 3.955 % | +0.015 pp | |
| 3.940 % | +0.009 pp | |
| 3.931 % | -0.014 pp | |
| 3.945 % | +0.040 pp | |
| 3.905 % | +0.010 pp | |
| 3.895 % | +0.007 pp | |
| 3.888 % | -0.025 pp | |
| 3.913 % | – |
Source: Bank of Finland. Published with a 24-hour delay.
Frequently asked questions
What is the 6-month Euribor average for July 2023?
3.942 %, computed from 21 daily fixings. The ECB's official monthly average is 3.942 %.
My mortgage revises with the July average – what rate applies?
Reference 3.942 % plus your contractual spread; with a 1 pp spread the new rate is 4.94 %. 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