When interest rates for home equity loans and lines of credit are at or near their 2026 lows, like they have been, it doesn’t mean rate shopping is any less important or valuable.
Every lender has its own method for pricing loans and lines, so comparison shopping will always be worth it, whether rates are rising or falling
Your finalized rate will depend on your credit score, debt load, and the amount of your loan or line of credit relative to your home’s worth. Learn more: Discover how much you can borrow with a HELOC HELOC and home equity loan rates: Wednesday, June 10, 2026 Today’s national average monthly adjustable-rate HELOC is 7.25%. The average fixed rate on a home equity loan is 7.86%, according to data analytics company Curinos.
Both rates are based on applicants with a minimum credit score of 780 and a maximum combined loan-to-value ratio (CLTV) of 70%. Learn more: How to choose: HELOC or home equity loan? How HELOC and home equity loan interest rates work Home equity interest rates are priced to a different benchmark than primary mortgage rates.