National average rates for home equity lines of credit (HELOCs) and home equity loans (HELs) are well under 8%, the lowest in more than 36 months. Of course, home owners with the most equity in their homes — and the best credit — earn the lowest rates. HELOC and home equity loan rates: Sunday, January 4, 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 ...