HELOC and home equity loan rates today, February 11, 2026: Fractions above 52-week lows

Rates for home equity lines of credit and home equity loans range from variable rates of 7.23% to fixed rates of 7.44%. Both are fractions above their 52-week lows, reached in mid-January and early December. HELOC and home equity loan rates: Wednesday, February 11, 2026 Today's national average monthly HELOC rate is 7.23%, down just two basis points from one month ago. The average rate on a home equity loan is 7.44%, down 12 basis points from last month, according to data analytics company Curinos. Both ...