
$34 Trillion in American Home Equity Is Sitting Locked Up. Here Is Exactly How HELOCs and Home Equity Loans Work — and Which One Your Situation Calls For.
WASHINGTON, June 9, 2026 — The Federal Reserve estimates that American homeowners currently hold $34 trillion in home equity — the accumulated difference between what their homes are worth and what they owe on their mortgages. That number is the…










