What is the average mortgage rate in Germany?

The average mortgage rate in Germany is currently 3.90% as of March 2026.

Updated March 2026

Mortgage Interest Rate in Germany (2026)

3.90%

Ranked #16 of 168 • Global avg 9.99%

The average mortgage interest rate in Germany is currently 3.90%, below the global average of 9.99% across the 30 economies tracked by NoodlePants.

Among the 30 economies tracked by NoodlePants, Germany ranks #16 for mortgage rate — putting it mid-pack globally.

For buyers, a 3.90% rate means roughly $3,900 in interest per year on a $100,000 mortgage, before principal.

Mortgage Interest Rate	3.90%	View →
Savings Account Interest Rate	3.50%	View →
Credit Card Interest Rate (APR)	14.8%	View →
Average Rent (1BR City Centre)	$1,100/mo	View →
Real Estate Price (per m²)	$6,200/m²	View →

#1Afghanistan

0.00%

#2Cuba

0.00%

#3Iran

0.00%

#4North Korea

0.00%

#5South Sudan

0.00%

#6Syria

0.00%

#7Yemen

0.00%

#8Japan

1.40%

#9Taiwan

2.20%

#10Switzerland

2.30%

#11Bulgaria

3.00%

#12Croatia

3.60%

Pick another country and see a full side-by-side breakdown.

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