Home Equity Rate -

: 7.37% (Curinos) to 7.91% (Bankrate).

National average home equity rates in are currently holding near three-year lows, typically ranging between 7.09% and 8.06% depending on the product type. Current Rate Overview (April 2026) HELOC Average Rate : 7.09% (Bankrate) to 7.24% (Curinos). home equity rate

: Currently steady at 6.75% , which serves as the base for most variable rates. : Currently steady at 6

: Rates are expected to remain stable through the end of 2026, as the Federal Reserve is not projected to make significant cuts. Home Equity Loan vs. HELOC Home Equity Loan Rate Type Fixed Variable (usually) Payout Lump sum Revolving credit Best For One-time major costs Ongoing or flexible needs Stability Predictable payments Rate may rise/fall Factors Affecting Your Personal Rate Current Home Equity Loan Rates In April 2026 - Bankrate HELOC Home Equity Loan Rate Type Fixed Variable