As of late April 2026, the national average is approximately 7.09% to 7.24% . These rates are typically variable and tied to the U.S. Prime Rate , which currently sits at 6.75% . 1. Current Rate Environment (April 2026) National Average: ~7.24% for standard variable-rate HELOCs.
HELOC and home equity loan rates, Monday, April 27, 2026: Access the money locked inside the walls of your home rates heloc
Highly qualified borrowers may see rates as low as 6.05% , while others could face up to 18% based on creditworthiness. As of late April 2026, the national average