Latest HELOC & Home Equity Loan Rates: June 26, 2026

Home equity lending rates on June 26, 2026 remained steady, with Curinos data showing no movement in key benchmarks for both HELOCs and fixed home equity loans. For a $100,000 HELOC with a 60% loan-to-value (LTV) ratio, the average annual percentage rate (APR) held at 7.25%. For a $500,000, 30-year home equity loan at the same 60% LTV, the average APR stayed at 7.69%. The figures are averages, and actual pricing depends on creditworthiness, loan size, LTV ratio and term. These products use the home as collateral, meaning missed payments can put property at risk. The article notes HELOC rates tend to track bank rates more than first-mortgage pricing, and recent Federal Reserve cuts in late 2025 helped push rates down into early 2026.