How HELOCs work in Texas
Texas is the most distinctive state for home equity lending…
Texas HELOC: rates, rules & requirements
In Texas, home equity lending is governed by Section 50(a)(6) of the state constitution. Total home-equity borrowing is capped at 80% of the home's value, and borrowers get specific protections such as a 12-day cooling-off period before closing.
HELOC rates in Texas
Texas's HELOC rates aren't set by your state — they track the national market. The current national average is roughly 7.47% (June 2026), driven by the Wall Street prime rate (6.75%) plus a margin each lender adds based on your credit score, combined loan-to-value, and its own pricing. What's actually specific to Texas is which lenders operate there and the state's own home-equity rules — so the smart move is comparing offers from several lenders licensed in Texas rather than assuming a single "Texas rate" exists.
Frequently asked questions
What is the maximum HELOC I can get in Texas?
Texas caps total home-equity borrowing (first mortgage plus HELOC) at 80% of your home's fair market value.
Are HELOC rates different in Texas than other states?
Not in any meaningful way. HELOC rates are set by individual lenders and follow the national prime rate (currently 6.75%) plus a margin based on your credit and equity, so the going rate in Texas closely tracks the national average (around 7.47% as of June 2026). What genuinely varies by state is which lenders are available and the specific home-equity rules that apply — so comparing several lenders licensed in Texas matters more than the state itself.