National average HELOC and home equity rates remain near 7.5%. If your new year resolutions include home upgrades or reducing high-interest debt, home equity rates are in your favor. HELOC and home equity loan rates: Saturday, January 3, 2026 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%. ...