San Francisco, CA
Electrification ROI based on PG&E rates and local rebates
Population: 873,000•Climate: mixed•Electric: $0.305/kWh•Gas: $2.10/therm
Best Upgrade
Solar Panels
4.9 years • 249% ROI
Annual Savings
$3,012/year
Full electrification
Total Incentives
$26,500
Federal + utility rebates
Visual ROI Analysis
Payback Period Comparison
Lower is better • Shortest payback = fastest return on investment
Annual Savings Comparison
Higher is better • More annual savings = greater long-term benefit
Cumulative Net Savings Over Time
Point where line crosses $0 = payback achieved • Steeper line = faster savings growth
Detailed ROI by Upgrade
Heat Pump HVAC System
Replace gas furnace + AC with an all-electric heat pump
🌡️
Costs
Upfront cost:$12,000 - $18,000
Federal tax credit:-$2,000
PG&E rebate:-$4,000
City/state incentives:-$7,000
Net cost:$-1,000 - $5,000
Savings & ROI
Annual savings:$-11/year
Simple payback:Not Recommended
15-year ROI:-101%
CO₂ reduction:0.3 tons/year
15-year net savings:$-15,172
Solar Panels (6kW System)
Generate your own electricity from the sun
☀️
Costs
Upfront cost:$15,000 - $21,000
Federal tax credit (30%):-$5,400
City/state incentives:-$1,200
Net cost:$8,400 - $14,400
Savings & ROI
Annual savings:$2,405/year
Simple payback:4.9 years
25-year ROI:249%
CO₂ reduction:3.6 tons/year
Full Electrification Package
Heat pump + Solar + Heat pump water heater + EV charger
⚡
Costs
Total upfront cost:$30,300 - $45,000
Total federal credits:-$10,400
Total utility rebates:-$5,300
City/state incentives:-$10,800
Net cost:$3,800 - $18,500
Savings & ROI
Annual savings:$3,012/year
Simple payback:4.0 years
15-year ROI:27%
Total CO₂ reduction:10.1 tons/year
15-year net savings:$7,532
San Francisco Energy Context
Climate & Usage
Climate zone:mixed
Heating degree days:2,850
Cooling degree days:150
Avg home size:1,650 sq ft
Energy Costs
Utility provider:PG&E
Electricity rate:$0.305/kWh
Natural gas rate:$2.10/therm
Avg monthly bills:$158 elec + $62 gas
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