🇩🇪Germany mortgage rate
Germany's mortgage rate is 4.0% as of June 2026, from official ECB data. It was little changed from the previous month. Over the period shown it has ranged from 1.2% to 4.2%. That is 0.5 percentage points above the euro-area average of 3.5% — the 4th of 21 member states that report it.
Mortgage rate · Germany
4.0%
vs prev
0.0pp
Source: ECB (MIR) · data through June 2026 · updated 2026-08-20 · modifications: none
See the full mortgage rate ranking across all euro-area countries →
Germany mortgage rate — frequently asked questions
- What is Germany's mortgage rate?
- Germany's mortgage rate is 4.0% as of June 2026, from official ECB data.
- How does Germany's mortgage rate compare with the euro area?
- It is the 4th-highest of 21 euro-area members that report it, against a euro-area average of 3.5%.
- Is Germany's mortgage rate rising or falling?
- It held steady at 4.0% in the latest reading (June 2026).