Current HELOC Rates

Current HELOC Rates shows the home equity rates for today, August 19, 2026. The average HELOC and home equity rates is 7.30% across various lenders. Get daily HELOC rates updates and compare the home equity rates from different lenders.

HELOC Rates Today

The current HELOC rates shows the home equity loan rates from 2025 to 2026.

Source: Freddie Mac

Home Equity Loan Rates

Following is the home equity loan rates from the recent 3 - 4 months.

Source: Freddie Mac

	HELOC	Home Equity Loan
How you receive money	Draw funds as needed	Lump sum upfront
Interest rate	Usually variable	Usually fixed
Monthly payment	Can change with rate and balance	Generally predictable
Term	Draw period + repayment period	One defined repayment term
Borrow again?	Yes, during draw period	No
Interest cost	Interest on amount borrowed	Interest on loan balance
Rate risk	Higher; payments can rise	Lower with fixed rate
Fees	May include appraisal, annual, inactivity, cancellation, or conversion fees	May include appraisal, origination, closing, and other fees
Budget certainty	Lower	Higher
Flexibility	High	Lower
Risk to home	Yes	Yes
Best for	Ongoing or unpredictable expenses	Known, one-time expenses
Tax treatment	Interest may be deductible when funds are used to buy, build, or substantially improve the home securing the debt, subject to applicable IRS rules.

HELOC Rates Over The Last 20 Years

Below is the HELOC rates chart for the last 20 years, from 2006 to 2026.

The average home equity rates table below shows the HELOC rate history all the way back to 1992.

Year	Average HELOC Rates
2026	7.342%
2025	8.061%
2024	9.076%
2023	8.628%
2022	5.502%
2021	4.189%
2020	5.118%
2019	6.555%
2018	5.994%
2017	5.363%
2016	4.773%
2015	4.743%
2014	4.923%
2013	5.098%
2012	5.206%
2011	5.511%
2010	5.588%
2009	5.564%
2008	5.786%
2007	8.047%
2006	7.994%
2005	6.412%
2004	4.863%
2003	4.71%
2002	5.189%
2001	7.279%
2000	9.164%
1999	8.268%
1998	8.551%
1997	8.478%
1996	8.628%
1995	9.194%
1994	7.75%
1993	7.037%
1992	7.426%

Source: Freddie Mac

HELOC Rates Over The Last 30 Years

Below is the home equity loan rates chart for the last 30 years, from 1996 to 2026.

Source: Freddie Mac

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Current HELOC Rates