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Story summary
- In 2025, U.S. home equity reached a record $17.8 trillion, with tappable equity averaging $213,000.
- HELOCs have become a favorable borrowing option as rates declined from 9.99% in September 2024 to 7.18% by March 2026, a drop of over 2.5 percentage points.
- Borrowers should review their credit scores and shop around for the best rates, since a HELOC may currently be the most affordable way to access home equity.
