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 #4 of 30 • Global avg 9.11%

The average mortgage interest rate in Germany is currently 3.90%, below the global average of 9.11% across the 30 economies tracked by NoodlePants.

Among the 30 economies tracked by NoodlePants, Germany ranks #4 for mortgage rate — placing it firmly in the top tier.

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 →

Japan

1.40%

Switzerland

2.30%

Spain

3.60%

Germany

3.90%

Singapore

4.00%

Italy

4.00%

Portugal

4.00%

France

4.10%

Netherlands

4.20%

#10

Greece

4.20%

#11

Malaysia

4.30%

#12

United Arab Emirates

4.50%

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

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