Tag variable vs fixed rates

Interest Rate

HELOC Interest Rates vs Home Equity Loan Rates: A Side-by-Side Breakdown

Side-by-side comparison chart of HELOC interest rates versus home equity loan rates

HELOC rates average 8.45% vs 8.36% for home equity loans as of July 2025—a small gap with big structural differences that compound over 10 to 20 years.

Marcus Delgado
March 23, 2026