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Interest rates vary among lenders, so comparison shopping among home equity loan and line-of-credit lenders can save you thousands over the life of your loan. For home equity loans, securing the lowest fixed rate matters since you'll have it for the life of the loan. For HELOCs, locking in the lowest possible introductory rate is key, since your interest rate is likely to fluctuate, even rise, over the loan term.
The average HELOC adjustable rate is 7.25%, according to real estate data ***** ytics company Curinos. The 2026 HELOC low was 7.19% in mid-May. The national average rate on a fixed-rate home equity loan is 7.86%, up appreciably from last month, and far from its 2026 low of 7.36% we observed in mid-March and in much of May. 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%.
Most HELOCs are variable-rate products, meaning their interest rates are tied to an external interest rate. When that rate rises or falls, the rate on your HELOC generally follows suit.
HELOCs are typically tied to the prime rate, the baseline rate banks currently charge their most creditworthy customers.
Interest rates vary among lenders, so comparison shopping among home equity loan and line-of-credit lenders can save you thousands over the life of your loan. For home equity loans, securing the lowest fixed rate matters since you'll have it for the life of the loan. For HELOCs, locking in the lowest possible introductory rate is key, since your interest rate is likely to fluctuate, even rise, over the loan term.
The average HELOC adjustable rate is 7.25%, according to real estate data ***** ytics company Curinos. The 2026 HELOC low was 7.19% in mid-May. The national average rate on a fixed-rate home equity loan is 7.86%, up appreciably from last month, and far from its 2026 low of 7.36% we observed in mid-March and in much of May. 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%.
Most HELOCs are variable-rate products, meaning their interest rates are tied to an external interest rate. When that rate rises or falls, the rate on your HELOC generally follows suit.
HELOCs are typically tied to the prime rate, the baseline rate banks currently charge their most creditworthy customers.
4 months ago
