Mortgage interest rate in Spain
New mortgage loans in Spain carried an average interest rate of 2.99% in September 2026.
Spain, September 2026
2.99%
Change from August 2026
−0.05percentage points
Euro area, September 2026
3.62%p (Provisional)
Median of European Union (27 countries), September 2026
3.44%
Position in September 2026
18th of 21
Mortgage interest rate in Spain over time
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Spain
Euro area
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The chart loads when you scroll to it. The table below shows the same data.
The chart shows a calculation from the published values. The table below keeps the published values.
% per year. Source: ECB statistics. Gaps mean no published value; points are not joined across missing years.
| Period | Spain | Euro area |
|---|---|---|
| September 2026 | 2.99% | 3.62%p (Provisional value) |
| August 2026 | 3.04% | 3.60% |
| July 2026 | 2.89% | 3.52% |
| June 2026 | 2.89% | 3.48% |
| May 2026 | 2.85% | 3.45% |
| April 2026 | 2.80% | 3.43% |
| March 2026 | 2.75% | 3.35% |
| February 2026 | 2.75% | 3.37% |
| January 2026 | 2.68% | 3.36% |
| December 2025 | 2.61% | 3.30% |
| November 2025 | 2.63% | 3.30% |
| October 2025 | 2.67% | 3.30% |
| September 2025 | 2.66% | 3.32% |
| August 2025 | 2.68% | 3.33% |
| July 2025 | 2.63% | 3.28% |
| June 2025 | 2.68% | 3.29% |
| May 2025 | 2.71% | 3.30% |
| April 2025 | 2.75% | 3.26% |
| March 2025 | 2.80% | 3.31% |
| February 2025 | 2.87% | 3.33% |
| January 2025 | 2.89% | 3.14% |
| December 2024 | 2.90% | 3.35% |
| November 2024 | 3.04% | 3.44% |
| October 2024 | 3.20% | 3.50% |
| September 2024 | 3.26% | 3.59% |
| August 2024 | 3.38% | 3.69% |
| July 2024 | 3.33% | 3.70% |
| June 2024 | 3.37% | 3.73% |
| May 2024 | 3.47% | 3.76% |
| April 2024 | 3.50% | 3.77% |
| March 2024 | 3.47% | 3.77% |
| February 2024 | 3.62% | 3.83% |
| January 2024 | 3.61% | 3.86% |
| December 2023 | 3.78% | 4.01% |
| November 2023 | 3.85% | 4.06% |
| October 2023 | 3.94% | 3.99% |
| September 2023 | 3.92% | 3.95% |
| August 2023 | 3.93% | 3.90% |
| July 2023 | 3.84% | 3.80% |
| June 2023 | 3.82% | 3.77% |
Flags: p Provisional value . A dash means no value was published.
In short
- That is a change of −0.05 percentage points from 3.04% in August 2026.
- Since November 2025, when it was 2.63%, the figure has changed by +0.36 percentage points.
- Among the 21 countries with data for September 2026, Spain has the 18th highest value.
- The figure for the euro area in September 2026 was 3.62%.
More for Spain
All statistics for SpainSource and dates
Values are shown as published by the ECB. Changes between periods are calculated on this site.