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Is a HELOC good for home renovation?
It's one of the best use cases. Renovation costs paid with a HELOC may add more value than they cost, kitchen remodels return ~80% of cost, bathroom renovations ~70%, and decks ~65%. If the added home value exceeds total interest paid, the HELOC effectively pays for itself.
Find out if a home equity line of credit is worth the risk for your situation.
Use the HELOC Worth It Calculator →By Sean Baldwin · Last reviewed July 2026 · Part of the HELOC Worth It Calculator guide.