{"id":36289,"date":"2025-07-03T18:00:59","date_gmt":"2025-07-03T18:00:59","guid":{"rendered":"https:\/\/site.itshrt.com\/worldnews\/150000-home-equity-loan-vs-150000-heloc-which-is-cheaper-now\/"},"modified":"2025-07-03T18:00:59","modified_gmt":"2025-07-03T18:00:59","slug":"150000-home-equity-loan-vs-150000-heloc-which-is-cheaper-now","status":"publish","type":"post","link":"https:\/\/site.itshrt.com\/worldnews\/150000-home-equity-loan-vs-150000-heloc-which-is-cheaper-now\/","title":{"rendered":"$150,000 home equity loan vs. $150,000 HELOC: Which is cheaper now?"},"content":{"rendered":"<p> <script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-6606220950177433\"\r\n     crossorigin=\"anonymous\"><\/script>\r\n<!-- ItShrt World News -->\r\n<ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-6606220950177433\"\r\n     data-ad-slot=\"1882483372\"\r\n     data-ad-format=\"auto\"\r\n     data-full-width-responsive=\"true\"><\/ins>\r\n<script>\r\n     (adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script>\r\n<br \/>\n<\/p>\n<div id=\"\">\n<figure class=\"embed embed--type-image is-image embed--float-none embed--size-medium\">\n<p>      <span class=\"img embed__content\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/assets2.cbsnewsstatic.com\/hub\/i\/r\/2025\/07\/03\/18edbc72-bc64-49cf-89e9-7131f9b0b4b0\/thumbnail\/620x413\/1042536b3f25d3e1fd6325958a7b26fa\/gettyimages-172872188.jpg#\" alt=\"gettyimages-172872188.jpg \" height=\"413\" width=\"620\" class=\" lazyload\" srcset=\"https:\/\/assets2.cbsnewsstatic.com\/hub\/i\/r\/2025\/07\/03\/18edbc72-bc64-49cf-89e9-7131f9b0b4b0\/thumbnail\/620x413\/1042536b3f25d3e1fd6325958a7b26fa\/gettyimages-172872188.jpg 1x, https:\/\/assets2.cbsnewsstatic.com\/hub\/i\/r\/2025\/07\/03\/18edbc72-bc64-49cf-89e9-7131f9b0b4b0\/thumbnail\/1240x826\/2b0ae15817f82df26c3ba8eb309e0f37\/gettyimages-172872188.jpg 2x\" loading=\"lazy\"\/><\/span><figcaption class=\"embed__caption-container\">\n<p>                  <span class=\"embed__caption\">The average homeowner is sitting on a six-figure amount of home equity right now.<\/span><\/p>\n<p>                  <span class=\"embed__credit\"><\/p>\n<p>                Getty Images\/iStockphoto<\/p>\n<p>                          <\/span><br \/>\n              <\/figcaption><\/figure>\n<p>The <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/whats-the-average-home-equity-amount-right-now\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">average home equity amount<\/a><\/span> homeowners have now, according to a recent report, sits around $300,000. And while that may seem like a lot, it won&#8217;t all be readily available. Most home equity lenders, regardless of whether you&#8217;re using a <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/what-is-a-home-equity-loan\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">home equity loan<\/a><\/span> or <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/what-is-a-heloc\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">home equity line of credit (HELOC)<\/a><\/span>, will require homeowners to keep a <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/how-much-can-i-borrow-with-home-equity-loan\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">20% equity minimum<\/a><\/span> in the home to obtain approval to use the other 80%. Still, that leaves owners with a six-figure amount of money to utilize, with interest rates on both products materially lower than what&#8217;s available with alternatives like personal loans and credit cards right now.<\/p>\n<p>So, if you want to borrow $150,000 now to make major <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/projects-that-will-grow-your-home-equity-and-projects-that-wont\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">home renovations<\/a><\/span>, <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/should-you-use-home-equity-for-debt-consolidation-experts-weigh-in\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">consolidate high-rate debt<\/a><\/span>, or cover upcoming <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/should-you-use-a-heloc-to-pay-for-your-kids-college-what-experts-say\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">college tuition costs<\/a><\/span>, your <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/what-is-home-equity\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">home equity<\/a><\/span> could be a viable resource. And you won&#8217;t be limited by this amount as it sits comfortably below the 80% threshold. But with your home functioning as collateral in these exchanges, and the <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/can-you-lose-your-home-with-a-home-equity-loan\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">possibility of it being foreclosed on<\/a><\/span> if you can&#8217;t make your payments as agreed to, it&#8217;s important to first calculate your repayment costs.\u00a0<\/p>\n<p>Between a $150,000 home equity loan and $150,000 HELOC, then, which will be cheaper to use right now? Below, we&#8217;ll crunch the numbers.<\/p>\n<p><a href=\"https:\/\/www.bankrate.com\/landing\/cbsnews\/best-home-equity-options\/?sub-id=www.cbsnews.com\/news\/150000-home-equity-loan-vs-150000-heloc-which-is-cheaper-july-2025\" target=\"_blank\" rel=\"nofollow, sponsored, noopener\">Start by seeing how much home equity you&#8217;d be eligible to borrow here<\/a>.<\/p>\n<h2><strong>$150,000 home equity loan vs. $150,000 HELOC: Which is cheaper now?<\/strong><\/h2>\n<p>Currently, the average rate on a home equity loan is approximately the same as the average rate on a HELOC, according to <a href=\"https:\/\/www.bankrate.com\/home-equity\/helocs-and-home-equity-loans-flat-for-the-week-july-2-2025\/\" target=\"_blank\" rel=\"nofollow noopener\">Bankrate<\/a>. With home equity loans at 8.26% and HELOCs at 8.27%, you&#8217;ll barely notice a difference in your monthly payments right now. Here&#8217;s what they&#8217;d be spread out over 10 and 15 years (two common <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/heloc-draw-repayment-periods-what-to-know\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">repayment periods<\/a><\/span>):<\/p>\n<ul>\n<li><strong><strong>10-year $150,000 home equity loan at 8.26%: <\/strong><\/strong>$1,840.59 per month<\/li>\n<li><strong><strong>10-year $150,000 HELOC at 8.27%: <\/strong><\/strong>$1,841.38 per month<\/li>\n<\/ul>\n<ul>\n<li><strong><strong>15-year $150,000 home equity loan at 8.26%: <\/strong><\/strong>$1,456.08 per month<\/li>\n<li><strong><strong>15-year $150,000 home equity loan at 8.27%: <\/strong><\/strong>$1,456.96 per month<\/li>\n<\/ul>\n<p>The difference between the two, however, will materialize over time. That&#8217;s because <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/how-to-decide-fixed-or-variable-rate-home-equity-loan\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">HELOC rates are variable<\/a><\/span> and subject to evolve based on market conditions, while the home equity loan rate will remain fixed until (or unless) the homeowner elects to <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/can-you-refinance-a-home-equity-loan\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">refinance it<\/a><\/span>. Here&#8217;s how they&#8217;d look if HELOC rates fell by 25 basis points from where they are now:<\/p>\n<ul>\n<li><strong><strong>10-year $150,000 home equity loan at 8.26%: <\/strong><\/strong>$1,840.59 per month<\/li>\n<li><strong><strong>10-year $150,000 HELOC at 8.02%: <\/strong><\/strong>$1,821.50 per month\u00a0<\/li>\n<\/ul>\n<ul>\n<li><strong><strong>15-year $150,000 home equity loan at 8.26%: <\/strong><\/strong>$1,456.08 per month<\/li>\n<li><strong><strong>15-year $150,000 HELOC at 8.02%: <\/strong><\/strong>$1,435.21 per month<\/li>\n<\/ul>\n<p>And here&#8217;s how they&#8217;d compare if they rose by the same 25 basis points from where they are currently:<\/p>\n<ul>\n<li><strong><strong>10-year $150,000 home equity loan at 8.26%: <\/strong><\/strong>$1,840.59 per month<\/li>\n<li><strong><strong>10-year $150,000 HELOC at 8.52%: <\/strong><\/strong>$1,861.39 per month\u00a0<\/li>\n<\/ul>\n<ul>\n<li><strong><strong>15-year $150,000 home equity loan at 8.26%: <\/strong><\/strong>$1,456.08 per month<\/li>\n<li><strong><strong>15-year $150,000 home equity loan at 8.52%: <\/strong><\/strong>$1,478.87 per month<\/li>\n<\/ul>\n<p>While these changes won&#8217;t dramatically change your monthly HELOC payments, they will undoubtedly change over the repayment period as lenders tend to <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/how-often-do-heloc-rates-change\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">change rates each month<\/a><\/span> for existing borrowers. This doesn&#8217;t mean that a HELOC isn&#8217;t still your optimal home equity borrowing option, but it does mean that some volatility will need to be priced into your calculations before getting started to better determine both short- and long-term affordability.<\/p>\n<p><a href=\"https:\/\/www.bankrate.com\/landing\/cbsnews\/best-home-equity-options\/?sub-id=www.cbsnews.com\/news\/150000-home-equity-loan-vs-150000-heloc-which-is-cheaper-july-2025\" target=\"_blank\" rel=\"nofollow, sponsored, noopener\">Compare your current HELOC rate offers here to learn more<\/a>.<\/p>\n<h2><strong>The bottom line<\/strong><\/h2>\n<p>Payments on $150,000 worth of home equity borrowing are essentially the same now, whether you use a home equity loan or a HELOC. But because their rate structures are different, that similarity in payments is unlikely to continue for very long. Consider the variability here closely, before getting started. And, if you&#8217;re unsure of your ability to manage a consistently changing HELOC rate, consider a fixed-rate home equity loan in its place. You could always refinance the loan into a lower, fixed-rate option when the rate climate cools again, and you won&#8217;t have to worry about a changing repayment until that opportunity arises.<\/p>\n<p>    <!-- tags --><\/p>\n<div class=\"content-author\">\n      <a href=\"https:\/\/www.cbsnews.com\/team\/matt-richardson\/\" class=\"content-author__name\" data-invalid-url-rewritten-http=\"\">Matt  Richardson<\/a><\/p>\n<div class=\"content-author__bio\">\n<div class=\"content-author__full-information\">\n<p class=\"content-author__text\">Matt Richardson is the senior managing editor for the Managing Your Money section for CBSNews.com. He writes and edits content about personal finance ranging from savings to investing to insurance.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p><script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-6606220950177433\"\r\n     crossorigin=\"anonymous\"><\/script>\r\n<!-- ItShrt World News -->\r\n<ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-6606220950177433\"\r\n     data-ad-slot=\"1882483372\"\r\n     data-ad-format=\"auto\"\r\n     data-full-width-responsive=\"true\"><\/ins>\r\n<script>\r\n     (adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script>\r\n<br \/>\n<br \/><a href=\"https:\/\/www.cbsnews.com\/news\/150000-home-equity-loan-vs-150000-heloc-which-is-cheaper-july-2025\/\">Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The average homeowner is sitting on a six-figure amount of home equity right now. Getty Images\/iStockphoto The average home equity<\/p>\n","protected":false},"author":1,"featured_media":36290,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[32],"tags":[],"class_list":["post-36289","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-top-stories"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>$150,000 home equity loan vs. $150,000 HELOC: Which is cheaper now? - World News<\/title>\n<meta name=\"description\" content=\"Rates on both home equity products are comparable now, but that doesn&amp;#039;t mean repayments will be identical for long.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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