6-month Euribor – January 2025
The average 6-month Euribor for January 2025 is 2.614 %, computed from 22 daily fixings (complete). The month opened at 2.562 %, closed at 2.590 %, with a low of 2.554 % and a high of 2.685 %. Versus December 2024 the average is down -0.018 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 3.61 % 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 2025
Source: Bank of Finland. Published with a 24-hour delay.
Date
| Date | Rate | Change |
|---|---|---|
| 2.590 % | -0.003 pp | |
| 2.593 % | -0.005 pp | |
| 2.598 % | +0.007 pp | |
| 2.591 % | -0.009 pp | |
| 2.600 % | +0.019 pp | |
| 2.581 % | -0.005 pp | |
| 2.586 % | +0.001 pp | |
| 2.585 % | -0.021 pp | |
| 2.606 % | -0.013 pp | |
| 2.619 % | -0.023 pp | |
| 2.642 % | -0.026 pp | |
| 2.668 % | +0.011 pp | |
| 2.657 % | -0.028 pp | |
| 2.685 % | +0.030 pp | |
| 2.655 % | +0.014 pp | |
| 2.641 % | -0.008 pp | |
| 2.649 % | +0.010 pp | |
| 2.639 % | +0.008 pp | |
| 2.631 % | +0.046 pp | |
| 2.585 % | +0.031 pp | |
| 2.554 % | -0.008 pp | |
| 2.562 % | – |
Source: Bank of Finland. Published with a 24-hour delay.
Frequently asked questions
What is the 6-month Euribor average for January 2025?
2.614 %, computed from 22 daily fixings. The ECB's official monthly average is 2.614 %.
My mortgage revises with the January average – what rate applies?
Reference 2.614 % plus your contractual spread; with a 1 pp spread the new rate is 3.61 %. 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