6-month Euribor – October 2023
The average 6-month Euribor for October 2023 is 4.115 %, computed from 22 daily fixings (complete). The month opened at 4.138 %, closed at 4.092 %, with a low of 4.092 % and a high of 4.143 %. Versus September 2023 the average is up +0.084 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 5.11 % 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 2023
Source: official ECB / Eurosystem data. Published with a 24-hour delay.
Date
| Date | Rate | Change |
|---|---|---|
| 4.092 % | -0.017 pp | |
| 4.109 % | +0.007 pp | |
| 4.102 % | -0.003 pp | |
| 4.105 % | +0.013 pp | |
| 4.092 % | -0.010 pp | |
| 4.102 % | +0.006 pp | |
| 4.096 % | -0.011 pp | |
| 4.107 % | -0.019 pp | |
| 4.126 % | -0.017 pp | |
| 4.143 % | +0.025 pp | |
| 4.118 % | +0.015 pp | |
| 4.103 % | -0.018 pp | |
| 4.121 % | 0.000 pp | |
| 4.121 % | +0.007 pp | |
| 4.114 % | +0.002 pp | |
| 4.112 % | -0.017 pp | |
| 4.129 % | +0.016 pp | |
| 4.113 % | -0.012 pp | |
| 4.125 % | -0.005 pp | |
| 4.130 % | +0.002 pp | |
| 4.128 % | -0.010 pp | |
| 4.138 % | – |
Source: official ECB / Eurosystem data. Published with a 24-hour delay.
Frequently asked questions
What is the 6-month Euribor average for October 2023?
4.115 %, computed from 22 daily fixings. The ECB's official monthly average is 4.115 %.
My mortgage revises with the October average – what rate applies?
Reference 4.115 % plus your contractual spread; with a 1 pp spread the new rate is 5.11 %. 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