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TL;DR: Mortgage rates jumped today, giving house hunters an early dose of October sticker shock.
These are the HELOC and home equity loan rates for Friday, October 2, 2026. The average HELOC adjustable rate is 7.09%, a new 2026 low, according to real estate data analytics company Curinos. The national average rate on a fixed-rate home equity loan is 7.42%, up from its 2026 low of 7.31% in late June.
Mortgage rates increased once again and are edging closer to 7.5%.