HELOC and home equity loan rates Sunday, February 22, 2026: Monthly payments fall (example: $302 a month)

Interest rates on home equity lines of credit (HELOCs) and home equity loans are the lowest in years. And that means your monthly payment is more affordable. The example at the bottom of this page illustrates a HELOC payment of $302 a month on a $50,000 equity draw. It's a valid estimate, but of course, your repayment terms may vary. HELOC and home equity loan rates: Sunday, February 22, 2026 The average HELOC rate is 7.23%, according to real estate data firm Curinos. The 52-week HELOC low was 7.19%. Th ...