The current average HELOC rate is 7.75%, according to the analytics company Curinos. This is the lowest rate on home equity lines of credit so far in 2025. The highest average rate was 8.06% in January. HELOC rates: Friday, October 17, 2025 According to Curinos data, the average weekly HELOC rate is 7.75%, down three basis points week over week and 31 basis points since January. This rate is based on applicants with a minimum credit score of 780 and a maximum combined loan-to-value ratio (CLTV) of 70%. ...