6-month Euribor – July 2026
The average 6-month Euribor for July 2026 is 2.647 %, computed from 23 daily fixings (complete). The month opened at 2.554 %, closed at 2.706 %, with a low of 2.542 % and a high of 2.723 %. Versus June 2026 the average is up +0.051 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 3.65 % 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 2026
Source: Bank of Finland. Published with a 24-hour delay.
Date
| Date | Rate | Change |
|---|---|---|
| 2.706 % | +0.025 pp | |
| 2.681 % | +0.003 pp | |
| 2.678 % | -0.006 pp | |
| 2.684 % | -0.023 pp | |
| 2.707 % | -0.016 pp | |
| 2.723 % | +0.021 pp | |
| 2.702 % | +0.012 pp | |
| 2.690 % | +0.001 pp | |
| 2.689 % | +0.002 pp | |
| 2.687 % | -0.001 pp | |
| 2.688 % | 0.000 pp | |
| 2.688 % | -0.029 pp | |
| 2.717 % | +0.063 pp | |
| 2.654 % | +0.033 pp | |
| 2.621 % | -0.005 pp | |
| 2.626 % | +0.021 pp | |
| 2.605 % | +0.038 pp | |
| 2.567 % | +0.025 pp | |
| 2.542 % | -0.005 pp | |
| 2.547 % | -0.007 pp | |
| 2.554 % | -0.011 pp | |
| 2.565 % | +0.011 pp | |
| 2.554 % | – |
Source: Bank of Finland. Published with a 24-hour delay.
Frequently asked questions
What is the 6-month Euribor average for July 2026?
2.647 %, computed from 23 daily fixings. The ECB's official monthly average is 2.647 %.
My mortgage revises with the July average – what rate applies?
Reference 2.647 % plus your contractual spread; with a 1 pp spread the new rate is 3.65 %. 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