This study, based on a survey conducted by the Bank of Italy, analyses the propensity of Italian households to choose between fixed-rate and variable-rate mortgages in a context of relative economic stability between 2012 and 2019. . The methodological approach adopted for the selection of participating households aims at ensuring a meaningful representativeness through inclusion criteria that take into account different socio-economic and cultural strata. The following sections examine the extent to which the choice of one type of tariff over another can be influenced by socio-economic and cultural variables. The aim of this review is to provide an understanding of the dynamics driving households' financial choices in a period of economic stability, in order to identify possible patterns of behavior and to contribute new insights and analysis to the existing literature.