Current national average rates for home equity lines of credit and home equity loans are beginning 2026 in the mid-7% range. That makes both home equity options more affordable than in three years. HELOC and home equity loan rates: Monday, January 5, 2026 According to real estate analytics firm Curinos, the average HELOC rate is 7.44%. The national average rate on a home equity loan is 7.59%. Both rates are based on applicants with a minimum credit score of 780 and a maximum combined loan-to-value ratio ...

Rates for a home equity line of credit (HELOC) and a home equity loan (HEL) are rolling into the final days of the year at 2025 lows. Both are near or just below 7.5%. HELOC and home equity loan rates Tuesday, December 30, 2025 According to Curinos data, the average monthly HELOC rate is 7.44%. The national average rate on a home equity loan is 7.59%. Both rates are based on applicants with a minimum credit score of 780 and a maximum combined loan-to-value ratio (CLTV) of less than 70%. HELOC or home ...