Markets· August 17, 2026 at 10:00 a.m.
Home Equity Loan and HELOC Rates Differ by 19 Basis Points in August 2026
Key takeaways
- The difference between home equity loan and HELOC rates is 19 basis points
- Average home equity loan rate is 7.35%
- Average HELOC rate is 7.16%
The difference between the average home equity loan rate and the average HELOC rate stands at 19 basis points, according to Curinos. The national average rate on a fixed-rate home equity loan is 7.35%, while the average HELOC adjustable rate is 7.16%. However, the choice between these two options depends not just on rates but also on how the funds are intended to be used.
