National average rates for second mortgage home equity loans and lines of credit are mostly unchanged. Even more importantly, they remain just above three-year lows. HELOC and home equity loan rates: Friday, March 6, 2026 The average HELOC rate is 7.20%, down three basis points from one month ago, according to real estate analytics firm Curinos. The 52-week HELOC low was 7.19% in mid-January. The national average rate on a home equity loan is 7.47%, up three basis points from last month. The low was 7.38 ...