{"id":7860,"date":"2025-02-21T21:06:00","date_gmt":"2025-02-21T21:06:00","guid":{"rendered":"https:\/\/site.itshrt.com\/worldnews\/how-much-will-a-150000-home-equity-loan-cost-per-month-in-2025\/"},"modified":"2025-02-21T21:06:00","modified_gmt":"2025-02-21T21:06:00","slug":"how-much-will-a-150000-home-equity-loan-cost-per-month-in-2025","status":"publish","type":"post","link":"https:\/\/site.itshrt.com\/worldnews\/how-much-will-a-150000-home-equity-loan-cost-per-month-in-2025\/","title":{"rendered":"How much will a $150,000 home equity loan cost per month in 2025?"},"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\"><span class=\"img embed__content\"><img fetchpriority=\"high\" decoding=\"async\" src=\"https:\/\/assets2.cbsnewsstatic.com\/hub\/i\/r\/2025\/02\/21\/2c6d6957-2a30-4361-b650-634785a2ad1c\/thumbnail\/620x415\/d7f5198cbf88830a82f121542560632c\/gettyimages-520632182.jpg?v=db3d87ba7bf4d4ff13b65eabcf0d9bea#\" alt=\"Various American Dollar Bills \" height=\"415\" width=\"620\" class=\" lazyload\" data-srcset=\"https:\/\/assets2.cbsnewsstatic.com\/hub\/i\/r\/2025\/02\/21\/2c6d6957-2a30-4361-b650-634785a2ad1c\/thumbnail\/620x415\/d7f5198cbf88830a82f121542560632c\/gettyimages-520632182.jpg?v=db3d87ba7bf4d4ff13b65eabcf0d9bea 1x, https:\/\/assets3.cbsnewsstatic.com\/hub\/i\/r\/2025\/02\/21\/2c6d6957-2a30-4361-b650-634785a2ad1c\/thumbnail\/1240x830\/41523fabdc548bdb94163560dda6f883\/gettyimages-520632182.jpg?v=db3d87ba7bf4d4ff13b65eabcf0d9bea 2x\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D'http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg'%20viewBox%3D'0%200%20620%20415'%2F%3E\"\/><\/span><figcaption class=\"embed__caption-container\"><span class=\"embed__caption\">The average homeowner has hundreds of thousands worth of equity to utilize right now.<\/span><\/p>\n<p>                  <span class=\"embed__credit\"><\/p>\n<p>                Getty Images<\/p>\n<p>                          <\/span><br \/>\n              <\/figcaption><\/figure>\n<p>The more money you need to borrow, the more difficult the eligibility criteria tend to be. And if you&#8217;re looking to borrow a six-figure sum of money via a <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/how-to-get-100k-personal-loan\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">personal loan<\/a><\/span> or credit card, you can expect the process to be particularly arduous. Fortunately, homeowners have a viable and relatively simple way to borrow $100,000 or more by turning to their <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>.<\/p>\n<p>With 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>, in particular, borrowers can take advantage of their accumulated equity at an <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/todays-home-equity-loan-heloc-interest-rates\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">interest rate<\/a><\/span> much lower than what&#8217;s available with either of those other two options. And with the <a href=\"https:\/\/mortgagetech.ice.com\/resources\/data-reports?tagIdGroups=\" target=\"_blank\" rel=\"nofollow noopener\">average home equity amount<\/a> sitting around $320,000 now, a loan amount for around half of that will be relatively easy to obtain since it will still maintain the 20% equity threshold most home equity lenders prefer owners keep in their home.<\/p>\n<p>Before getting started, however, prospective borrowers should carefully consider their potential costs, especially now that <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/cpi-report-january-inflation-what-it-means-for-your-money\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">inflation<\/a><\/span> is rising again and that hopes of an imminent <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/federal-reserve-fomc-meeting-today-interest-rates-decision-january-2025\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">interest rate cut<\/a><\/span> have been delayed. In this climate, owners must know exactly what their future repayments will be. Fail to make monthly payments as agreed upon and owners could <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=\"\">lose their home to the lender<\/a><\/span>. So it&#8217;s important to get the math right. But how much will a $150,000 home equity loan cost per month now, if opened in early 2025? Below, we&#8217;ll break down the calculations.<\/p>\n<p><a href=\"https:\/\/clicks.trx-hub.com\/xid\/cbsint_a10ef_cbsnews?q=https%3A%2F%2Fwww.bankrate.com%2Flanding%2Fcbsnews%2Fbest-home-equity-options%2F%3Fsub-id%3Dwww.cbsnews.com%2Fnews%2Fhow-much-will-150000-home-equity-loan-cost-per-month-in-2025&amp;p=https%3A%2F%2Fwww.cbsnews.com%2Fnews%2Fhow-much-will-150000-home-equity-loan-cost-per-month-in-2025%2F&amp;event_type=click&amp;article_id=e229f90c-2131-4665-9908-7d8e85a48703\" target=\"_blank\" rel=\"nofollow, sponsored, noopener\">See how much home equity you&#8217;d be eligible to borrow here<\/a>.<\/p>\n<h2><strong>How much will a $150,000 home equity loan cost per month in 2025?<\/strong><\/h2>\n<p>The average home equity loan interest rate right now is 8.40%, but a bit higher tied to 10-year repayment periods (8.54%) and 15-year <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> (8.49%). Here, then, is what qualified borrowers with good credit scores can expect to pay monthly for a $150,000 home equity loan opened now, based on those three rates:<\/p>\n<ul>\n<li><strong>10-year home equity loan at 8.40%:<\/strong> $1,851.77 per month<\/li>\n<li><strong>15-year home equity loan at 8.40%:<\/strong> $1,468.33 per month<\/li>\n<\/ul>\n<ul>\n<li><strong>10-year home equity loan at 8.54%: <\/strong>$1,863.00 per month<\/li>\n<li><strong>15-year home equity loan at 8.49%: <\/strong>$1,476.23 per month<\/li>\n<\/ul>\n<p>So borrowers can expect to pay between $1,477 and $1,852 per month for a $150,000 home equity loan opened now \u2013 assuming they have <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/whats-good-credit-score-determining-factors\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">good credit<\/a><\/span>. If they don&#8217;t, these rates could be materially different, or home equity lenders may not approve the application in its entirety. Owners should first review their credit report and understand their current credit score before formally applying, then.<\/p>\n<p><a href=\"https:\/\/clicks.trx-hub.com\/xid\/cbsint_a10ef_cbsnews?q=https%3A%2F%2Fwww.bankrate.com%2Flanding%2Fcbsnews%2Fbest-home-equity-options%2F%3Fsub-id%3Dwww.cbsnews.com%2Fnews%2Fhow-much-will-150000-home-equity-loan-cost-per-month-in-2025&amp;p=https%3A%2F%2Fwww.cbsnews.com%2Fnews%2Fhow-much-will-150000-home-equity-loan-cost-per-month-in-2025%2F&amp;event_type=click&amp;article_id=e229f90c-2131-4665-9908-7d8e85a48703\" target=\"_blank\" rel=\"nofollow, sponsored, noopener\">See what home equity loan interest rate you&#8217;d currently qualify for here<\/a>.<\/p>\n<h2><strong>What about a $150,000 personal loan?<\/strong><\/h2>\n<p>To better understand the benefits of borrowing via a home equity loan, homeowners may find it helpful to compare the monthly costs of a $150,000 home equity loan to a personal one. And since the latter type doesn&#8217;t use the home as collateral, it may be tempting to pursue a six-figure personal loan instead. But the difference in rates and, thus, monthly payments, is not insignificant.\u00a0<\/p>\n<p>Here&#8217;s what a $150,000 personal loan would cost qualified borrowers monthly now if they repay it on the same timeline as their home equity loan:<\/p>\n<ul>\n<li><strong><strong>10-year personal loan at 12.37%: <\/strong><\/strong>$2,184.27 per month<\/li>\n<li><strong><strong>15-year personal loan at 12.37%: <\/strong><\/strong>$1,836.11 per month<\/li>\n<\/ul>\n<p>Homeowners, then, will save hundreds of dollars per month by using a home equity loan instead of a personal one. If you&#8217;re comfortable with using the home as collateral, then, a home equity loan becomes the clear better option.<\/p>\n<h2><strong>The bottom line<\/strong><\/h2>\n<p>A loan of $150,000 won&#8217;t come with cheap monthly payments, even if you have great credit. But, if you do, you&#8217;ll generally find more cost-effective rates and terms with home equity loans rather than personal loans, as illustrated above. Ultimately, however, the decision between the two is a personal one that should be made both carefully and strategically. By taking the time to calculate your potential monthly repayments now, in advance of formally applying, you&#8217;ll maximize your chances of borrowing success both immediately and long term.<\/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\/how-much-will-150000-home-equity-loan-cost-per-month-in-2025\/\">Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The average homeowner has hundreds of thousands worth of equity to utilize right now. Getty Images The more money you<\/p>\n","protected":false},"author":1,"featured_media":7861,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[32],"tags":[],"class_list":["post-7860","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>How much will a $150,000 home equity loan cost per month in 2025? - World News<\/title>\n<meta name=\"description\" content=\"A $150,000 home equity loan won&amp;#039;t be cheap, but it&amp;#039;s one of the least expensive ways to borrow a six-figure sum now.\" \/>\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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