HELOC Rates Hit Average of 7.25% for June 2026 Tracking Loans

In June 2026, the average Home Equity Line of Credit (HELOC) rate is 7.25%, having previously reached a low of 7.19% earlier this year. The average rate for home equity loans stands at 7.86%, against a low of 7.36% in March. These rates apply to applicants with a minimum credit score of 780 and a maximum combined loan-to-value ratio of less than 70%. With primary mortgage rates near 6%, homeowners may prefer HELOCs or home equity loans to access their home equity without refinancing their low-rate mortgages.