As of October 15, 2025, the average home equity loan rate is 8.13%, 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 lower compared to the week before, dipping to their lowest point in two years.

Home equity rates have dipped to their lowest levels since 2023, and that could open the door for more borrowers.

Fixed-rate HELOCs are the talk of the town lately among home equity lenders and industry insiders. Home equity isn’t the flashiest corner of consumer finance, so it’s noteworthy when a buzzy new [...]

Splitero reports leveraging home equity can build wealth through debt reduction, investments, or funding renovations, aiding financial goals.

Many households being asset-rich yet cash-poor, having potentially millions trapped in home equity while everyday costs rise is frustrating.