Rates for home equity lines of credit and home equity loans are holding firm near 7.5%. Homeowners with record amounts of home equity can tap that value at some of the best rates in three years. HELOC and home equity loan rates Tuesday, January 6, 2026 According to real estate analytics firm Curinos, 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 ...