Comparing the 2025 average rates for a home equity loan and home equity line of credit (HELOC) to the 2026 averages so far this year, rates are down quite a bit.
The average rate on a home equity loan in 2025 was 7.61%, according to Curinos, a real estate analytics firm
So far this year, home equity loan rates are averaging 7.44%. The average HELOC rate in 2025 was 7.86%, whereas the average so far this year is 7.21%. This embedded content is not available in your region.
HELOC and home equity loan rates Tuesday, May 12, 2026 According to real estate analytics firm Curinos, the average adjustable-rate HELOC is 7.21%, down three basis points from one month ago. The 52-week HELOC low was 7.19% in mid-March. The national average rate on a fixed-rate home equity loan is 7.36%, down one basis point from last month, and tied with the 2026 low we observed in mid-March.