Home RatesHELOC Rates

No weekly change

HELOC Rate Trends

Track HELOC APR movement and see how prime-rate changes can flow into variable home-equity borrowing.

Best HELOC APR

8.20% APR

Benchmark average

8.95% APR

User opportunity

25 bps can matter on large balances

Historical archive

HELOC Rates over time

No weekly change

Aug 7

20.00%

Aug 8

20.00%

Aug 9

20.00%

What changed

Rates are holding steady, which makes comparison discipline more important than timing.

Why it matters

What would tapping home equity actually cost?

What to do next

Estimate payments before comparing HELOC terms.

How we track this rateShow

SourceSwitchWize Rate Scout (Bankrate), updated daily

MethodBest HELOC APR sourced from SwitchWize Rate Scout daily scrape. Most HELOCs are variable-rate, tracking the prime rate (Fed Funds + 3%). Shown rate may be an introductory offer; check the fully-indexed rate before borrowing.

Verified existing coverage

Use what SwitchWize already has

6 links

GuideHELOC vs Home Equity Loan: How to Pick the Right OneHELOC vs home equity loan compared: fixed vs variable rates, draw flexibility, closing costs, and a clear decision framework to match the right product to your goal.GuideThe Homeowner's Money Playbook: Everything After You Buy (2026)Every guide tells you how to buy a house. Almost none tells you how to run one. Closing is the start of a 30-year financial contract that is mostly interest in the early years, and the owners who pay attention win back thousands: refinancing past break-even, killing PMI, reshopping insurance, appealing property taxes, and getting the payoff-versus-invest call right.GuideWhat a Fed Rate Hike Would Do to Your Money inFor two years the debate was about cuts. Now the Fed's own projections have turned hawkish, with several officials penciling in a hike. Here is exactly what a rate increase would do to your savings, credit cards, and mortgage, and what to do before it lands.Guide5/1 ARM vs 7/1 ARM: Which Adjustable-Rate Term Wins in?5/1 ARM vs 7/1 ARM compared on fixed period, rate risk, and who each term actually fits. See which adjustable-rate mortgage matches your timeline.CalculatorHELOC Payment CalculatorEstimate interest-only draw payments, amortizing repayment payments, rate stress, and an illustrative CLTV limit.ComparisonProduct comparisonExisting SwitchWize comparison page connected to this rate.

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