HELOC rates are currently at 7.21% on average
The average HELOC rate is 7.21%, with rates having hit a 2026 low of 7.19% in mid-January and again in March.
The national average rate on a home equity loan is 7.36%, matching the 2026 low seen in mid-March.
Rates are based on applicants with a minimum credit score of 780 and a maximum combined loan-to-value ratio of less than 70%.
Home equity interest rates are calculated differently than primary mortgage rates, based on an index rate plus a margin.