The current national average HELOC rate hasn't been this low since late 2022. That makes a home equity line of credit an even more compelling option for homeowners looking for a cash-on-demand financial tool. HELOC rates: Monday, December 29, 2025 According to Curinos data, the average monthly HELOC rate is 7.44%. This rate is based on applicants with a minimum credit score of 780 and a maximum combined loan-to-value ratio (CLTV) of 70%. With mortgage rates refusing to budge, homeowners with home equi ...