HELOC and home equity loan rates today, Monday, September 7, 2026: A 19-basis-point differential
The gap between home equity loan rates and HELOC rates has narrowed to 19 basis points as of September 2026. Financial analysts suggest that borrowers should choose between these products based on their specific financial goals rather than just the interest rate.
Why it matters
Understanding the difference between variable-rate HELOCs and fixed-rate home equity loans is crucial for homeowners managing debt in a fluctuating interest rate environment.
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HELOC and home equity loan rates today, Monday, September 7, 2026: A 19-basis-point differential Tim Manni · Mon, September 7, 2026 at 6:00 AM EDT 4 min read The difference between the current home equity loan (HEL) rate and the average HELOC rate is 19 basis points, according to Curinos, a real estate data analytics company. When rates are this far apart, choosing the right option isn't just about which rate is lower. How you plan to use your funds will determine the loan product that is best for you.
The average HELOC adjustable rate is 7.16% , a new 2026 low, according to real estate data analytics company Curinos.
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