Back to today’s briefing

Story perspectives

HELOC Rates Drop to 7.44%, Making Borrowing Affordable

1/21/2026

32 3

Summary

Story summary

HELOC rates average 7.44% for qualified borrowers, down about two percentage points since September 2024.
This makes HELOCs among the most affordable borrowing options currently available.
A $50,000 HELOC now yields monthly payments of roughly $462–$592, depending on the term.
Because rates are variable and homes serve as collateral, borrowers should assess costs and their ability to repay.

1 of 1

Story summary

HELOC rates average 7.44% for qualified borrowers, down about two percentage points since September 2024.
This makes HELOCs among the most affordable borrowing options currently available.
A $50,000 HELOC now yields monthly payments of roughly $462–$592, depending on the term.
Because rates are variable and homes serve as collateral, borrowers should assess costs and their ability to repay.