$25,000 HELOC balance at 9.8%: $204.17 per month $25,000 HELOC balance at 10.3%: $214.58 per month $25,000 HELOC balance at 10.8%: $225 per month $50,000 HELOC with a 20-year term: ...

To demonstrate the cost-effectiveness of borrowing with a HELOC now, here's how much a $200,000 HELOC would've cost monthly at rates from March 2024 (assuming rates were constant): ...