Mortgage interest rate by country, September 2026
The annualised agreed interest rate on new euro-denominated loans to households for house purchase, a composite of all initial fixation periods, as reported by banks in euro area countries.
21 places ranked for September 2026. Highest: Latvia (4.56%). Lowest: Malta (1.94%). The median is 3.44%.
Highest 10
- 1. Latvia 4.56%
- 2. Estonia 4.45%
- 3. Lithuania 4.33%
- 4. Germany 4.09%
- 5. Netherlands 3.90%
- 6. Belgium 3.76%
- 7. Slovakia 3.74%
- 8. Austria 3.64%
- 9. Italy 3.60%
- 10. Luxembourg 3.55%
Lowest 10
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Source: ECB statistics.
In short
- Among the 21 countries with a value for September 2026, the highest is Latvia (4.56%) and the lowest Malta (1.94%).
- Half of the countries are above 3.44% and half below.
- From August 2026 to September 2026 the value rose in 13 countries and fell in 8.
- The figure for the euro area was 3.62% in September 2026, against 1.30% in September 2021 (+2.32 percentage points).
Full ranking
| # | Country | Value | Period | Relative size |
|---|---|---|---|---|
| 1 | Latvia | 4.56% | September 2026 | |
| 2 | Estonia | 4.45% | September 2026 | |
| 3 | Lithuania | 4.33% | September 2026 | |
| 4 | Germany | 4.09% | September 2026 | |
| 5 | Netherlands | 3.90% | September 2026 | |
| 6 | Belgium | 3.76% | September 2026 | |
| 7 | Slovakia | 3.74% | September 2026 | |
| 8 | Austria | 3.64% | September 2026 | |
| 9 | Italy | 3.60% | September 2026 | |
| 10 | Luxembourg | 3.55% | September 2026 | |
| 11 | Ireland | 3.44% | September 2026 | |
| 12 | Finland | 3.39% | September 2026 | |
| 13 | Cyprus | 3.26% | September 2026 | |
| 14 | Slovenia | 3.25% | September 2026 | |
| 15 | Greece | 3.24% | September 2026 | |
| 16 | France | 3.19% | September 2026 | |
| 17 | Portugal | 3.06% | September 2026 | |
| 18 | Spain | 2.99% | September 2026 | |
| 19 | Croatia | 2.94% | September 2026 | |
| 20 | Bulgaria | 2.41% | September 2026 | |
| 21 | Malta | 1.94% | September 2026 |
Places are ordered from the highest to the lowest value. Group medians on this site are the middle value of the members with data for the same year; they are not official aggregates.
How this ranking works
Every country is ranked on its value for September 2026, the latest period that most countries have, so all values are for the same point in time. Countries without a value for September 2026 are left out. Groups and aggregates such as the European Union are not ranked. Values are as published by ECB; the ranking is a plain ordering from the highest to the lowest value and says nothing about whether a high value is good or bad.
Earlier years: this measure has one shared period only. Methodology · Coverage and freshness