HELOC Rates Today
Educational estimates only · Not a loan offer
8.0% – 9.5%Avg (Good Credit, Mar 2026)
What is a HELOC?
A HELOC is a revolving line of credit secured by your home's equity, similar to a credit card. Rates are variable, typically tied to the Prime Rate plus a margin, meaning they rise and fall with Fed decisions. During the draw period (usually 10 years) you can borrow and repay as needed; after that, the repayment period begins. Requires 680+ credit and significant equity.
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Rate ranges are estimates for educational purposes only and do not constitute financial advice or a loan offer. Lemon Insider is not a lender and does not facilitate loan applications.