economy
February 19, 2026
What are today's HELOC and home equity loan interest rates: February 19, 2026?
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TL;DR
- Homeowners are currently sitting on record levels of home equity, providing a source for borrowing.
- HELOCs and home equity loans offer affordable funding options with interest potentially tax-deductible for eligible home repairs.
- As of February 19, 2026, the average HELOC interest rate is 7.12% (variable), and the average home equity loan rate is 6.96% (fixed).
- These rates are generally lower than those for personal loans and credit cards.
- Using home equity involves risk, as the home is collateral, and failure to repay can result in foreclosure.
- Borrowers should understand repayment costs and have a clear repayment plan before taking out these loans.
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