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 ...