HELOC and home equity loan rates today, January 30, 2026: As the Fed pauses, so do home equity rates

The national average rates for second mortgage products, such as home equity loans and lines of credit, continue to hold on to multi-year lows. With the Federal Reserve on an interest-rate-cut hold, the prime rate, a key pricing element of home equity lending, is likely to remain stable. HELOC and home equity loan rates: Friday, January 30, 2026 The average HELOC rate is 7.25%, according to real estate analytics firm Curinos. The national average rate on a home equity loan is 7.56%. Both rates are based ...