Heloc Rates April 2025. Suppose a heloc lender bases its aprs on the prime rate, which was 8.50% as of may 2025, according to jp morgan & chase co. Here is the average annual percentage rate (apr) for a $100,000 heloc at different ltv ratios — 60%, 80% and 90%.

The average rate on a heloc was 10.12 percent as of dec. If it charges margins that.