9.11 Operating Costs of Heating your Home

It is clear now that when a unit of fuel is burned not all of it is available to the end user, and that as the furnace efficiency increases, higher amounts of heat will be available. An important question that needs to be addressed is how much it costs to buy the energy or heat to heat a place.

Fuel is usually sold in gallons or CCF or kWh. Comparing the actual cost of energy to produce a certain amount of heat for the end user would be easy if the comparison is made on an energy basis rather than on a unit basis. That is, \$/BTUs or ($/million BTU) rather than \$/gal or CCF or kWh.

Just a note:  Industry uses MMBTU to mean Millions of BTU, this is just convention. MCF means 1000 Cubic Feet of Natural gas. 

We can use the following formula to calculate Actual Energy Cost:

Actual Energy Cost = Fuel Cost ($Unit of Fuel)Heating Value (MMBTUsUnit of Fuel) × Efficiency

Energy Cost Examples

Example

Let’s say we need one million BTUs to keep a place warm at a certain temperature. What would it cost to get those million BTUs from oil or gas or electricity? Let’s assume that:

Cost, efficiency, and heating value of different materials
MaterialCost per unitEfficiencyHeating Value
Natural Gas$3.20/MCF90%1,000,000 BTUs or 1.0 MM BTU/MCF
Oil$5.53/Gallon85%140,000 BTUs or 0.14 MM BTUs/Gallon
Electricity$0.1742/kWh97%3,412 BTUs or .003412 MM BTUs/kWh

Note: The costs per unit vary widely by season and geopolitical factors

Using the formula below, we can calculate the Actual Energy Cost.

Actual Energy Cost= Fuel Cost( $ Unit of Fuel ) Heating Value( MMBTUs Unit of Fuel )×Efficiency 

Oil (in central heating system) Cost=$5.53Gal0.14 MMBTUsGal × 0.85 (Efficiency) = $46.47 / MMBTUs

Electrical Resistance Heat Cost = $0.1742kWh0.003412 MMBTUskWh×0.97 (Efficiency)=$52.63/MMBTUs

Energy Cost Example (with prices from 1995) (2:44)

Energy Cost Example (from 1995)
Transcript: Energy Cost Example (2:44)

Onscreen Text:
Natural gas costs $9.74/MCF. Heating oil costs $0.99/gal. The natural gas furnace runs at 90% efficiency and the oil furnace runs at 80% efficiency. Which fuel is cheaper?

Presenter:

Ok. This 5.7 is an interesting problem here. We are trying to compare the prices of two fuels – Natural Gas which sells for $9.74/MCF, and we also have oil that sells at $0.99/gallon. We are trying to compare the prices of these two and choose which one is the best fuel or cheapest fuel. So we need to calculate the price per million BTUs so that we can compare these two fuels. And we also know the furnace efficiencies of each of these. Natural gas furnace efficiency is 0.9, and we know the oil furnace efficiency is 0.8; it is given. So we need to calculate the actual cost and compare the cost.

Natural gas actual cost will be cost per unit fuel, which is $9.74/MCF divided by the heating value per unit fuel. Heating value for this one happens to be 1.0 Million BTUs per MCF, and we have to multiply by the efficiency here in the denominator which is 0.9, so the Natural Gas price turns out to be $10.83 or $10.83 per Million BTUs (MMBTUs).

Natural Gas   $9.74 MCF  0.9 efficiency  Natural Gas =  $9.74 MCF 1.0 MMBTU MCF × 0.9                      =  $10.82 MMBTUs 

When you do similar calculation for oil here, the actual price is, per unit is $0.99 per gallon here and how many million BTUs do we get per gallon? 0.13 Million BTUs (0.13 MMBTUs). We have done this before. We have to have the same units here. Gallons and gallons and MCF and MCF here in this case (natural gas) and times the efficiency is 0.8. So the price works out to be $9.50 per Million BTUs. Same million BTUs would cost $10.82 for Natural Gas and oil would be $9.50, so oil is cheaper.

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Energy Cost Example (using current 2026 prices)

Scenario:

You're comparing heating options for a home in Pennsylvania. Current 2026 prices and equipment specifications are:

Fuel cost and furnace efficiency
FuelPriceFurnace Efficiency
Natural Gas$12.50 per MCF95% AFUE (high-efficiency)
Heating Oil$4.25 per gallon86% AFUE (modern oil furnace)

Question: 

Which fuel provides cheaper heat per 1,000,000 useful BTU? (MMBTU)

Solution:

Natural Gas is $12.50/ MCF and 95% efficiency

The heating value of natural gas is 1.0 MMBTU per MCF (Home Heating Fuels table) 

Natural Gas = ($12.50/MCF) / [(1.0 MMBTU/ MCF) * 0.9]

= $12.50/0.95

= $13.88 per million BTU

Heating Oil is $4.25/gallon and 86% efficiency

The heating value of oil is 140,000 BTU/gallon

Heating Oil = $4.25/ gallon * (1 gallon/140,000 BTU) * (1,000,000 BTU/1 MMBTU) * (1/0.86)

= $35.53 per million BTU

Example: Rural Home Comparison

Scenario:

A rural home doesn't have access to natural gas lines. The homeowner is choosing between:

Fuel price and furnace efficiency
FuelPriceFurnace EfficiencyHHV
Propane $3.15 per gallon93% AFUE91,300 BTU/gal
Heating Oil$3.95 per gallon88% AFUE140,000 BTU/gal

Note: Propane contains approximately 91,300 BTU per gallon; Heating Oil contains 140,000 BTU/gallon

Question: 

What is the cost per MMBTU?  Which fuel is more economical?  

Solution:

Propane: $3.15/gallon * (1 gallon/91,300 BTU) / 0.93 = $0.0003709 / BTU

        $37.10/MMBTU useful energy

Heating Oil: $3.95/gallon * (1gallon/140,000 BTU) / 0.88 = $0.0003206 / BTU

        $32.06/MMBTU useful energy 

Answer:

Heating oil is cheaper at these prices and conditions

Payback Examples: 

Scenario:

A homeowner in Pittsburgh, PA (5,829 HDD/year) has an old gas furnace (65% AFUE). They're considering replacing it with a new high-efficiency model (95% AFUE).

Old furnace and new furnace information
ItemOld FurnaceNew Furnace
AFUE65%95%
Equipment CostAlready owned$4,200
InstallationN/A$1,800
Total Upfront Cost$0$6,000

Additional Info:

  • Natural gas price: $12.50/MCF (1 MCF = 1,000,000 BTU)
  • Home heating need: 60,000,000 useful BTU per year

Question:

What is the simple payback period for upgrading to the high-efficiency furnace?

Solution:

Recall that simple payback is calculated based on additional cost/annual savings 

$ / ($ / year) = gives us unit of years 

Additional cost = Equipment Cost + Installation = $6,000

Fuel Savings: 

Old furnace annual cost:

(60,000,000 BTUs needed / 0.65) * 1MMBTU/1,000,000 BTU

= 92.3 Million BTU needed * $12.50 = $1,153.84/year

New Furnace annual  cost: 

(60,000,000 BTUs needed / 0.95) * 1MMBTU/1,000,000 BTU

= 63.2 Million BTU needed * $12.50 = $789.47/year

Annual savings = $1,153.84 - $789.47 = $364.37/year saved 

Answer:

Simple Payback = Upfront cost / annual savings = $6,000 / $364.37/year = ~16.5 years to payback in fuel savings. 

Electric Resistance Heat vs. Air-Source Heat Pump

Scenario:

A home in Charlotte, NC (2,823 HDD/year) currently uses electric baseboard heaters (100% efficient at point of use). The owner is considering an air-source heat pump.

Electric baseboard and Heat pump information
ItemElectric BaseboardsHeat Pump
Efficiency100% (1.0 COP)300% (3.0 COP average)
Equipment CostAlready owned$5,500
InstallationN/A$2,500
Total Upfront Cost$0$8,000

Additional Info:

  • Electricity price: $0.16/kWh
  • 1 kWh = 3,412 BTU
  • Home heating need: 40,000,000 useful BTU per year

Question:

What is the simple payback period for installing the heat pump?

Solution:

Electric Baseboard Annual Heating Requirement: 

11,723 kWh * $0.16/kWh = $1,876/year 

Heat Pump COP = 3

COP of 3 means it produced 3 times the amount of energy that is put in. Essentially, efficiency is 300%

40,000,000 BTU needed / 3.00 COP * 1BTU /3,412 kWh = 3,908 kWh needed 

3,908 kWh * $0.16/kWh = $625/year

Annual savings = $1,876 - $625 = $1,251/year

Answer:

Simple Payback = Upfront cost / annual savings = $8,000 / $1,251/year = ~6.4 years