National averages for adjustable-rate HELOCs and fixed home equity loans remain unchanged, reflecting lender-specific pricing margins.
National average rates for home equity lines of credit and loans held steady on June 24, 2026, with adjustable-rate HELOCs at 7.25% and fixed home equity loans at 7.86%. The data, based on applicants with a 780 credit score and 70% CLTV, underscores persistent lender variability in pricing methodologies.
HELOC rates are tied to the prime rate, currently 6.75%, plus a lender-specific margin. For example, a 0.75% margin would yield a 7.50% rate. Home equity loans, as fixed products, may carry different margins. Both products diverge from primary mortgage rates, which follow the 10-year Treasury benchmark.
Lenders emphasize the importance of comparison shopping, as introductory HELOC rates often adjust upward after an initial period. The stability in today’s averages reflects broader market conditions but masks individual lender differences in risk assessment and pricing strategies.