HELOC and home equity loan rates today, January 9, 2026: A new low mark for HELOCs

The national average rate for home equity lines of credit (HELOC) fell to a new low in well more than a year. The average home equity loan rate is down three basis points from last month. HELOC and home equity loan rates: Friday, January 9, 2026 According to Curinos data, the average HELOC rate is 7.25%, down 19 basis points from last month. The national average rate on a home equity loan is 7.56%, three basis points lower than one month ago. Both rates are based on applicants with a minimum credit scor ...