2026 HELOC Rate and Limit Reference

By Jessica Martinez, Contributing Writer, Business & Finance
Updated July 2, 2026

What is the average HELOC rate right now?

The average U.S. HELOC rate was 7.47% APR for the week of June 17, 2026, and the average fixed home equity loan rate was 8.12% APR as of June 3, 2026, both per Bankrate's national lender surveys. Rates are reviewed weekly by Bankrate and move with the Federal Reserve's benchmark rate and each lender's own pricing, so treat any single figure as a snapshot, not a quote. The table below also lists the draw period, repayment period and CLTV limit this site's own calculators use by default, which come from CFPB guidance and common lender practice rather than a rate survey.

Download the full table as a CSV: heloc-rate-and-limit-reference-2026.csv.

HELOC rates

Bankrate's national survey put the average HELOC rate at 7.47% APR for the week of June 17, 2026 (updated June 22, 2026), noting rates had ticked higher for a second straight week as the Federal Reserve held its benchmark rate steady at its June meeting. The survey averages rate information from the 10 largest banks and thrifts across 10 large U.S. markets, for a $30,000 credit line at a 700 FICO score and an 80% combined loan-to-value ratio on a primary single-family home. Your own quote will differ based on your credit, your CLTV and your lender's margin over its index.

Home equity loan rates

The average fixed-rate home equity loan carried an 8.12% APR as of June 3, 2026, according to Bankrate's survey of the nation's largest home equity lenders, using the same $30,000 loan amount, 700 FICO score and 80% CLTV assumptions, averaged across 5-, 10- and 15-year terms. Compare that fixed rate against a variable HELOC quote with the HELOC vs Home Equity Loan Calculator.

Draw period, repayment period and CLTV: how our calculators are set

01 - Draw and repayment period

The CFPB's plain-language HELOC guide gives a 10-year draw period as a typical example, and describes lenders setting a repayment schedule that often runs 10 or 20 years. Our HELOC Payment Calculator defaults to that same 10-year draw and 20-year repayment, but both fields are editable since real terms vary by lender.

02 - Combined loan-to-value (CLTV) limit

An 80-85% CLTV cap is common lender practice for HELOCs and home equity loans, though the CFPB does not publish a single mandated figure. Our Home Equity Calculator defaults to an 85% CLTV limit, which you can lower to be conservative or raise to match a specific lender's stated policy.

Methodology

Every rate figure on this page comes from a primary source, is quoted without adjustment, and carries its own observation date. We review this page monthly and update the rate rows when Bankrate publishes new averages.

• HELOC and home equity loan rates: Bankrate Current HELOC Rates and Bankrate Current Home Equity Loan Rates, both drawn from Bankrate's weekly survey of the largest home equity lenders.
• Draw period, repayment period and CLTV limit: the site's own calculator model, calibrated to the example figures in the CFPB's HELOC guidance and common lender underwriting practice. These are defaults for planning, not a rate quote or an official limit; no federal statistical release publishes a single mandated CLTV cap.

Averages describe the market, not your offer. Your actual rate and limit depend on your credit score, income, property and lender. A HELOC or home equity loan is secured by your home, so compare offers from more than one lender and confirm the details with a qualified lender or financial professional before you borrow. Estimates only, not financial advice.

Cite this page

HELOCCalcTools, "2026 HELOC Rate and Limit Reference", heloccalctools.com/heloc-rate-and-limit-reference-2026, accessed 2026. The underlying table is available as a CSV download for reuse with attribution.