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The average variable interest rate for HELOCs in the US has fallen to 7.16%, a new low for 2026; the average interest rate for fixed-rate home equity loans is 7.35%, with a difference of 19 basis points between the two.
According to real estate data analytics firm Curinos, as of August 24, the average variable interest rate for U.S. home equity lines of credit (HELOCs) was 7.16%, a new low for 2026. During the same period, the national average interest rate for fixed-rate home equity loans was 7.35%, slightly above the 2026 low of 7.31% recorded in late June. Both rates are based on applicants with a credit score of at least 780 and a combined loan-to-value (CLTV) ratio below 70%.
Source：Yahoo财经 · Source Link
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