Mortgage interest rate in Euro area

New mortgage loans in the euro area carried an average interest rate of 3.62% in September 2026. The value for September 2026 is the highest since August 2024.

Measure: Interest rate on new mortgage loans Unit: % per year Data: January 2003 to September 2026 Source: ECB
Euro area is a group: Euro area; membership follows each source definition (World Bank EMU, ECB U2 changing composition). The value is the aggregate published by ECB, not an average calculated on this site.
The latest value carries the source flag “Provisional”.
Euro area, September 2026 3.62%p (Provisional) % per year
Change from August 2026 +0.02percentage points August 2026: 3.60%

Mortgage interest rate in Euro area over time

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Euro area

% per year. Source: ECB statistics. Gaps mean no published value; points are not joined across missing years.

Interest rate on new mortgage loans (% per year), January 2017 to September 2026 – most recent 40 periods; the CSV has all of them
Period Euro area
September 2026 3.62%p (Provisional value)
August 2026 3.60%
July 2026 3.52%
June 2026 3.48%
May 2026 3.45%
April 2026 3.43%
March 2026 3.35%
February 2026 3.37%
January 2026 3.36%
December 2025 3.30%
November 2025 3.30%
October 2025 3.30%
September 2025 3.32%
August 2025 3.33%
July 2025 3.28%
June 2025 3.29%
May 2025 3.30%
April 2025 3.26%
March 2025 3.31%
February 2025 3.33%
January 2025 3.14%
December 2024 3.35%
November 2024 3.44%
October 2024 3.50%
September 2024 3.59%
August 2024 3.69%
July 2024 3.70%
June 2024 3.73%
May 2024 3.76%
April 2024 3.77%
March 2024 3.77%
February 2024 3.83%
January 2024 3.86%
December 2023 4.01%
November 2023 4.06%
October 2023 3.99%
September 2023 3.95%
August 2023 3.90%
July 2023 3.80%
June 2023 3.77%

Flags: p Provisional value . A dash means no value was published.

In short

  • That is a change of +0.02 percentage points from 3.60% in August 2026.
  • Since November 2025, when it was 3.30%, the figure has changed by +0.32 percentage points.

Source and dates

Original producer
European Central Bank and national central banks, MFI interest rate statistics
Distributed by
European Central Bank, ECB Data Portal
Dataset or series code
MIR · dataset details · view at source
Selection
M..B.A2C.A.R.A.2250.EUR.N
Observation period
January 2003 to September 2026 for Euro area
Provider update
Not stated by the provider
Retrieved
9 November 2026
Published here
9 November 2026
Licence
ESCB statistics reuse policy
Attribution
Source: ECB statistics, original data: European Central Bank and national central banks, MFI interest rate statistics

Values are shown as published by the ECB. Changes between periods are calculated on this site.