The national average rates for home equity lines of credit (HELOC) and home equity loans have fallen along with the prime rate, which is now 6.75%. With lender markups, both are near or just below 7.5%. HELOC and home equity loan rates: Friday, January 2, 2026 According to Curinos data, 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 (CLTV) of less t ...