Is Home Electrification Worth It?
Get a complete ROI analysis for your state. We calculate real payback periods, energy savings, and available incentives based on your state's energy costs, climate, and rebate programs.
Updated December 2024•Data from EIA, DSIRE, NREL•All 50 states + DC
5-12 years
Average heat pump payback (with incentives)
$1,500-3,000
Average annual savings (full electrification)
$14,000+
Average available incentives
Select Your State for Detailed ROI Analysis
Alabama
Heat pump payback:Not Recommended
Annual savings:$2,486
Incentives:$10,000
Alaska
Heat pump payback:Not Recommended
Annual savings:$1,393
Incentives:$10,300
Arizona
Heat pump payback:Not Recommended
Annual savings:$2,403
Incentives:$10,475
Arkansas
Heat pump payback:Not Recommended
Annual savings:$2,363
Incentives:$9,900
California
Heat pump payback:Not Recommended
Annual savings:$2,177
Incentives:$22,250
Colorado
Heat pump payback:Not Recommended
Annual savings:$1,898
Incentives:$12,000
Connecticut
Heat pump payback:Not Recommended
Annual savings:$2,035
Incentives:$12,250
Delaware
Heat pump payback:Not Recommended
Annual savings:$2,446
Incentives:$10,700
Florida
Heat pump payback:Not Recommended
Annual savings:$2,545
Incentives:$10,400
Georgia
Heat pump payback:Not Recommended
Annual savings:$2,400
Incentives:$10,700
Hawaii
Heat pump payback:Not Recommended
Annual savings:$3,250
Incentives:$17,000
Idaho
Heat pump payback:Not Recommended
Annual savings:$2,207
Incentives:$10,900
Illinois
Heat pump payback:Not Recommended
Annual savings:$2,011
Incentives:$11,200
Indiana
Heat pump payback:Not Recommended
Annual savings:$2,228
Incentives:$10,400
Iowa
Heat pump payback:Not Recommended
Annual savings:$2,257
Incentives:$10,550
Kansas
Heat pump payback:Not Recommended
Annual savings:$2,240
Incentives:$10,450
Kentucky
Heat pump payback:Not Recommended
Annual savings:$2,420
Incentives:$10,250
Louisiana
Heat pump payback:Not Recommended
Annual savings:$2,470
Incentives:$10,100
Maine
Heat pump payback:Not Recommended
Annual savings:$2,692
Incentives:$16,000
Maryland
Heat pump payback:Not Recommended
Annual savings:$2,478
Incentives:$12,650
Massachusetts
Heat pump payback:Not Recommended
Annual savings:$1,988
Incentives:$26,600
Michigan
Heat pump payback:Not Recommended
Annual savings:$1,982
Incentives:$10,800
Minnesota
Heat pump payback:Not Recommended
Annual savings:$2,085
Incentives:$11,300
Mississippi
Heat pump payback:Not Recommended
Annual savings:$2,491
Incentives:$9,950
Missouri
Heat pump payback:Not Recommended
Annual savings:$2,316
Incentives:$10,400
Montana
Heat pump payback:Not Recommended
Annual savings:$2,144
Incentives:$10,700
Nebraska
Heat pump payback:Not Recommended
Annual savings:$2,269
Incentives:$10,550
Nevada
Heat pump payback:Not Recommended
Annual savings:$2,445
Incentives:$11,300
New Hampshire
Heat pump payback:Not Recommended
Annual savings:$2,410
Incentives:$11,950
New Jersey
Heat pump payback:Not Recommended
Annual savings:$2,515
Incentives:$11,650
New Mexico
Heat pump payback:Not Recommended
Annual savings:$2,192
Incentives:$10,700
New York
Heat pump payback:Not Recommended
Annual savings:$2,171
Incentives:$22,500
North Carolina
Heat pump payback:Not Recommended
Annual savings:$2,465
Incentives:$10,800
North Dakota
Heat pump payback:Not Recommended
Annual savings:$2,159
Incentives:$10,350
Ohio
Heat pump payback:Not Recommended
Annual savings:$2,299
Incentives:$10,600
Oklahoma
Heat pump payback:Not Recommended
Annual savings:$2,317
Incentives:$10,150
Oregon
Heat pump payback:Not Recommended
Annual savings:$2,387
Incentives:$12,300
Pennsylvania
Heat pump payback:Not Recommended
Annual savings:$2,341
Incentives:$10,800
Rhode Island
Heat pump payback:Not Recommended
Annual savings:$2,071
Incentives:$12,500
South Carolina
Heat pump payback:Not Recommended
Annual savings:$2,400
Incentives:$10,450
South Dakota
Heat pump payback:Not Recommended
Annual savings:$2,168
Incentives:$10,350
Tennessee
Heat pump payback:Not Recommended
Annual savings:$2,396
Incentives:$10,400
Texas
Heat pump payback:Not Recommended
Annual savings:$2,428
Incentives:$10,650
Utah
Heat pump payback:Not Recommended
Annual savings:$2,082
Incentives:$10,800
Vermont
Heat pump payback:Not Recommended
Annual savings:$2,659
Incentives:$12,200
Virginia
Heat pump payback:Not Recommended
Annual savings:$2,490
Incentives:$11,200
Washington
Heat pump payback:Not Recommended
Annual savings:$2,407
Incentives:$12,900
Washington D.C.
Heat pump payback:Not Recommended
Annual savings:$2,526
Incentives:$11,950
West Virginia
Heat pump payback:Not Recommended
Annual savings:$2,433
Incentives:$10,250
Wisconsin
Heat pump payback:Not Recommended
Annual savings:$2,093
Incentives:$11,050
Wyoming
Heat pump payback:Not Recommended
Annual savings:$2,106
Incentives:$10,550
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Compare Multiple States
Want to compare electrification ROI across different states side-by-side? Use our interactive State ROI Comparison Tool to see which location offers the best payback periods and savings for your situation.
Compare States →How We Calculate Electrification ROI
Our ROI calculator uses real data from the Energy Information Administration (EIA), Database of State Incentives for Renewables & Efficiency (DSIRE), and the National Renewable Energy Laboratory (NREL) to provide accurate, state-specific analysis.
What We Factor In
- Energy costs: Your state's actual electricity and natural gas rates
- Climate: Heating and cooling degree days for accurate usage projections
- Federal incentives: IRA 2022 tax credits ($2,000 heat pump, 30% solar ITC, etc.)
- State rebates: State-specific programs like MA Clean Heat, CA TECH, NY Clean Heat
- Utility programs: Local utility rebates and incentives
- Equipment efficiency: Real-world COP and efficiency ratings
Why Electrification Economics Vary by State
The financial case for electrification depends heavily on your location. States with:
- High gas prices & low electricity rates (like WA, OR) see faster paybacks
- Extreme climates (cold or hot) see higher savings from efficient heat pumps
- Generous incentives (MA, CA, NY, ME) can cut upfront costs by 50%+
- High solar potential (Southwest) can achieve energy independence faster