As of December 3, 2025, the average home equity loan rate is 7.99%, according to Bankrate’s regular survey of rates. The average range is between 5.49% and 10.75%. Home equity loan interest rates also vary according to term length: These rates are slightly lower compared to the week before, dipping to their lowest point in two years.

HELOC rates could fall in 2026 if the Fed rate-cutting trend continues, but there are other possibilities, too.

Home equity rates barely budged heading into the final Federal Reserve meeting of 2025. The $30,000 home equity line of credit was unchanged, holding at 7.81% for the fourth straight week, according to

Explore current mortgage rates and what they mean for homebuyers.

Find out how affordable your home equity borrowing options are now.