According to Curinos data, the average variable interest rate for U.S. HELOCs fell to 7.16%, a new low for 2026, while the average interest rate for fixed-rate home equity loans was 7.35%, with a difference of 19 basis points between the two.
According to real estate data analytics firm Curinos, the average variable interest rate for a home equity line of credit (HELOC) in the U.S. was 7.16% as of August 17, 2026, marking a new low for 2026. Meanwhile, the national average interest rate for a fixed-rate home equity loan was 7.35%, a slight increase from its 2026 low of 7.31% in late June. Currently, there is a 19-basis-point difference between these two loan rates. These rates are based on applicants with a credit score of at least 780 and a combined loan-to-value (CLTV) ratio below 70%.
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