Location guides

    HELOC guides by state and city

    Typical CLTV caps, indicative rates, equity benchmarks, and the local rules that actually change the math — for all 50 states, Washington D.C., and the metros where most of our readers live.

    Alabama

    ~8.60% avg rate · 85% CLTV cap

    Alaska

    ~8.70% avg rate · 80% CLTV cap

    Arizona

    ~8.50% avg rate · 80% CLTV cap

    Arkansas

    ~8.60% avg rate · 85% CLTV cap

    California

    ~8.40% avg rate · 80% CLTV cap

    Colorado

    ~8.50% avg rate · 80% CLTV cap

    Connecticut

    ~8.40% avg rate · 80% CLTV cap

    Delaware

    ~8.50% avg rate · 85% CLTV cap

    Florida

    ~8.30% avg rate · 85% CLTV cap

    Georgia

    ~8.50% avg rate · 85% CLTV cap

    Hawaii

    ~8.30% avg rate · 80% CLTV cap

    Idaho

    ~8.50% avg rate · 85% CLTV cap

    Illinois

    ~8.70% avg rate · 85% CLTV cap

    Indiana

    ~8.60% avg rate · 85% CLTV cap

    Iowa

    ~8.60% avg rate · 85% CLTV cap

    Kansas

    ~8.60% avg rate · 85% CLTV cap

    Kentucky

    ~8.60% avg rate · 85% CLTV cap

    Louisiana

    ~8.80% avg rate · 80% CLTV cap

    Maine

    ~8.50% avg rate · 85% CLTV cap

    Maryland

    ~8.40% avg rate · 85% CLTV cap

    Massachusetts

    ~8.40% avg rate · 80% CLTV cap

    Michigan

    ~8.60% avg rate · 85% CLTV cap

    Minnesota

    ~8.50% avg rate · 85% CLTV cap

    Mississippi

    ~8.80% avg rate · 80% CLTV cap

    Missouri

    ~8.60% avg rate · 85% CLTV cap

    Montana

    ~8.60% avg rate · 80% CLTV cap

    Nebraska

    ~8.60% avg rate · 85% CLTV cap

    Nevada

    ~8.50% avg rate · 80% CLTV cap

    New Hampshire

    ~8.40% avg rate · 85% CLTV cap

    New Jersey

    ~8.60% avg rate · 80% CLTV cap

    New Mexico

    ~8.70% avg rate · 80% CLTV cap

    New York

    ~8.50% avg rate · 80% CLTV cap

    North Carolina

    ~8.40% avg rate · 85% CLTV cap

    North Dakota

    ~8.60% avg rate · 85% CLTV cap

    Ohio

    ~8.60% avg rate · 85% CLTV cap

    Oklahoma

    ~8.70% avg rate · 85% CLTV cap

    Oregon

    ~8.50% avg rate · 80% CLTV cap

    Pennsylvania

    ~8.40% avg rate · 85% CLTV cap

    Rhode Island

    ~8.50% avg rate · 80% CLTV cap

    South Carolina

    ~8.50% avg rate · 85% CLTV cap

    South Dakota

    ~8.60% avg rate · 85% CLTV cap

    Tennessee

    ~8.50% avg rate · 85% CLTV cap

    Texas

    ~8.60% avg rate · 80% CLTV cap

    Utah

    ~8.50% avg rate · 80% CLTV cap

    Vermont

    ~8.60% avg rate · 80% CLTV cap

    Virginia

    ~8.40% avg rate · 85% CLTV cap

    Washington

    ~8.40% avg rate · 80% CLTV cap

    Washington, D.C.

    ~8.40% avg rate · 80% CLTV cap

    West Virginia

    ~8.80% avg rate · 80% CLTV cap

    Wisconsin

    ~8.50% avg rate · 85% CLTV cap

    Wyoming

    ~8.60% avg rate · 80% CLTV cap