HELOC and home equity loan rates today, Monday, August 17, 2026: A 19-basis-point differential
These are the HELOC and home equity loan rates for Monday, August 17, 2026. The average HELOC adjustable rate is 7.16%, a new 2026 low. The national average rate on a fixed-rate home equity loan is 7.35%, up slightly from its 2026 low of 7.31% in late June.