HELOC and home equity loan rates today, February 27, 2026: Lowest rates in 3 years

National average rates for second mortgage home equity loans and lines of credit are near their lowest levels in more than three years. You can access the equity in your home at these very favorable rates. HELOC and home equity loan rates: Friday, February 27, 2026 The average HELOC rate is 7.23%, according to real estate analytics firm Curinos. The national average rate on a home equity loan is 7.44%. Rates are based on applicants with a minimum credit score of 780 and a maximum combined loan-to-value r ...