HELOC and home equity loan rates today, February 25, 2026: Down to 7.23%

Rates for home equity lines of credit and home equity loans are holding to multi-year lows, with limited-time introductory rates scraping the bottom of the interest scale. HELOC and home equity loan rates: Wednesday, February 25, 2026 Today's national average monthly HELOC rate is 7.23%. The average rate on a home equity loan is 7.44%, according to data analytics company Curinos. Both rates are based on applicants with a minimum credit score of 780 and a maximum combined loan-to-value ratio (CLTV) of 70 ...