HELOC and Home Equity Loan Rates Remain Stable Amid Expected Fed Rate Hikes
HELOC and home equity loan rates remain relatively stable, with the average HELOC rate at 7.24% and home equity loan rates at 7.37% as of April 25, 2026. The Federal Reserve is not expected to lower rates through the end of 2026 and may even raise rates due to inflationary pressures from the Middle East. This has left homeowners frustrated over the inability to access their home equity despite low primary mortgage rates.
Topics: Federal Reserve HELOC rates home equity loan rates mortgage rates prime rate