Aven Home Equity Pulse • August 2026

Latest home equity trends in Salem, Oregon

What is a HELOC?

A Home Equity Line of Credit, or HELOC, gives homeowners access to a flexible line of credit based on the equity they’ve built in their home. You can borrow what you need, when you need it, and only pay interest on the amount you use.

Why Salem homeowners get a HELOC

Whether you’re planning a renovation, covering education costs, consolidating debt, or preparing for unexpected expenses, a HELOC can provide flexible access to funds. For homeowners in Salem, Oregon, it may be a smart financing option if you’ve built equity and want to put it to work while maintaining flexibility over how and when you borrow.

Home equity in Salem, OR

Special offer for Salem homeowners

See your personalized HELOC rate in minutes.

Key Salem home equity trends in the last 30 days

Median home value$428,269
Mortgages opened474
HELOC demand index282.2

Data as of August 5, 2026. The analysis combines anonymized and aggregated data from Aven, third-party housing and mortgage data, and calculations produced by Aven based on these datasets. The HELOC demand index is calculated by dividing the number of new HELOC applications in a market, normalized per 100,000 homeowners to enable comparisons across markets of different sizes.

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Explore HELOC trends in other markets

Meet the best credit card for smart Salem homeowners

Get the lowest APR credit card – guaranteed1. Unlimited 2% cash back2, and a simple application, all with built-in protection, safety, and transparency.

Checking your offer will NOT affect your credit score.

†By providing your number, you consent to automated or manual marketing messages & to Aven's E-SIGN Consent, Terms of Service and Privacy Policy. Msg freq may vary. Msg&data rates may apply. Reply HELP for help or STOP to opt out. Consent to marketing messages is not required for any purchase.

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Cash
Earn 2% unlimited cash back

One of the only Visa® credit cards that earns you unlimited 2% cash back on every single purchase — no limits.2

Zero fees
No annual fee

No annual, cancellation or prepayment fees. Get all the premium card features you expect, but without all the fees.3

Balance transfer
Balance transfer flexibility

Transfer high-interest credit card or personal loan debt and pay the same low rate – save thousands. 2.5% transfer fee.3

Bank account
Send cash to your bank

Directly deposit cash from your Aven card to your bank account at the same low rate. 2.5% transfer fee.3

Card
Only use what you need

Like any credit card, only use what you need when you need it. No gimmicks or minimum obligations.

Home insurance
Homeowner protection guarantee

We offer a Foreclosure Protection Guarantee and flexible repayment options to ensure your home’s security.4

Funding in as fast as 3 days. 100% online application.

1

Check offer — as fast as 3 min

With a simple online application, check your APR and line size in minutes. Checking your offer does not affect your credit.

2

Sign and notarize digitally – as fast as 15 min

We connect you with our notary to sign your documents entirely online in most states. Income and credit approval required.

3

Access to funds – as fast as 3 days

Once finalized, get your funds in as fast as 3 days with our quick, all-online process.

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Special offer for Salem homeowners

Get your custom HELOC offer in minutes.

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Methodology & Disclosures: Aven Home Equity Pulse is updated monthly. This page was last updated on August 5, 2026. Metrics based on Aven data reflect trends among Aven applicants or customers and may not be representative of all homeowners or borrowers in the broader market. Market metrics, including median home value, mortgages opened and the market HELOC demand index, are calculated by Aven from third-party housing and mortgage data covering the whole market rather than from Aven data, and are shown for some locations where Aven does not lend.

  1. If you opened a HELOC or HELOAN on or after January 1, 2023, or received a fully underwritten HELOC or HELOAN offer within the last 30 days, we’ll beat your APR or give you $250. Offer subject to verification and approval. 700+ FICO required. Restrictions apply. See HELOC Rate Guarantee Terms and Conditions.

  2. You will earn 2 Points per $1 spent on Net Eligible Purchases (with AutoPay on). If AutoPay is off, you will earn 1.5 Points per $1 spent on Net Eligible Purchases

    For more details on your cash back, see Cash Back Terms & Conditions. Some restrictions apply.

  3. Aven Home Equity Card is a home equity line of credit featuring fixed rate plans and a variable rate revolving line of credit, each with its own annual percentage rate ("APR"). APR is the cost of credit as a yearly rate and does not include costs other than interest. The variable APR for the revolving line of credit is based on the prime rate published by the Wall Street Journal in its Money Rates section ("Index") plus a margin that takes into account your creditworthiness, collateral value, etc. The Index as of Jan 9th, 2026 EST was 6.75%. The APR will not exceed 14.99%. Best rates for most qualified borrowers on primary residences. Headline rate available for credit limits of $30,000 or less. The fixed APR for fixed-term plans (aka Aven Simple Loans) is based on your variable APR and other factors at the time you agree to the Aven Simple Loan. The fixed APR will not change during the loan's term. For cash outs and balance transfers, there is a 2.5% fee on the amount transferred. Based on your property's location, there may be recording fees and in-person signing costs, including attorney fees. You are responsible for all recording fees and in-person signing costs, including attorney fees. See Pricing & Terms for details. Terms are subject to change.

    If your Aven account is refinancing an existing lien, there is a fee of 2.5% of the total payoff amount of the existing lien. Your account may not be activated until the holder of your existing lien acknowledges receipt of your payoff amount.

    Your applicable APR assumes a 0.25 percentage point discount for enrolling in AutoPay within 25 days after account opening and then staying enrolled. You are not required to enroll in AutoPay. See AutoPay Terms & Conditions for more details and restrictions.

  4. Aven's Foreclosure Protection Guarantee covers enrolled accounts with no more than $10,000 in aggregate outstanding balances at the time of the claim for up to a year if you lose your job. 700+ credit score required. Terms and conditions apply. Enroll during account opening.

Subject to Credit Approval, including use of data reports from Experian, Equifax and Transunion. Limit of one Account per property. Certain terms and conditions may apply. Terms may vary by applicant and are subject to change. Availability limited to certain states. See aven.com/licenses for more details. Not available for multi-unit homes. Requires a lien on your property. Flood insurance may be required if your property is located in a flood zone. Not available for home purchase. If you have an existing second lien (“Second Lien”) on your subject property, you acknowledge and agree that we may transfer your application to our refinance product (subject in all cases to credit approval). The refinance product may have different terms and conditions than the initial product you applied for. Please review the Early HELOC Disclosure for more information.

Notice about use of English. Para Español, consulte este documento.

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Aven Visa Credit Cards are issued by Coastal Community Bank, pursuant to a license from Visa U.S.A., Inc. Aven accounts are made by Coastal Community Bank, Member FDIC. Equal Housing Lender. NMLS #462289 (NMLS Consumer Access Page). For additional information or complaints to Coastal Community Bank, visit www.federalreserveconsumerhelp.gov. For more information, you can also visit Coastal Community Bank’s privacy policy.

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