HELOC rates today, October 22, 2025: Low now; likely even lower soon — here's why

HELOC rates have been moving lower this year and are widely expected to continue the trend. According to the analytics company Curinos, the average rate on a home equity line of credit is 7.75%. With the Federal Reserve poised to lower rates again next week, HELOC rates could move even lower. A decrease in the federal funds rate will push the prime rate down — and HELOC rates will likely follow. HELOC rates: Wednesday, October 22, 2025 According to Curinos data, the average weekly HELOC rate is 7.75%. ...