📌 Key Takeaway: The national average HELOC rate is 7.11% as of September 2026, with individual lender rates ranging from roughly 3.99% to 11.60% depending on credit score, combined loan-to-value, and line amount.
Today's Average HELOC Rate
Bankrate's lender survey puts the average HELOC rate at 7.11%, calculated using a $30,000 credit line, 700 FICO score, and 80% combined loan-to-value ratio — your actual quote will vary based on your specific profile.
What Drives Your Rate
| Factor | Impact |
|---|---|
| Credit score | Higher score = lower rate tier |
| Combined loan-to-value | Lower CLTV = better rate |
| Line amount | Larger lines sometimes get rate discounts |
| Existing relationship | Some lenders discount for checking/deposit customers |
Fixed-Rate HELOC Options
Several lenders now let you lock a fixed rate on all or part of your HELOC balance during the draw period — useful protection if you're worried about variable rates rising further.
This page is for educational purposes and isn't personalized financial or tax advice. Figures, rates, and program details change frequently — confirm current terms directly with lenders, tax professionals, or the IRS before acting.