Independent guides. Not affiliated with any utility. Each guide's rate figures are sourced from that provider's regulator-approved tariffs.Verified June 2026
Utility rate guides 2026: deep dives by provider
The headline state average is a starting point, but what you actually pay is set by your specific utility and the rate plan you are on. These 10 guides walk through the largest US electric utilities and grid regions plan by plan, with current cost per kWh, peak windows and example bills, each sourced from that provider's regulator-approved tariffs. Find your provider below.
Looking for your state's average instead of a specific utility? See all 50 states ranked by residential rate, or estimate your own bill with the cost calculator.
California
California's three big investor-owned utilities run the steepest residential rates in the continental US, driven by wildfire-mitigation cost recovery and the state's renewable portfolio standard. All default new customers onto time-of-use plans with a late-afternoon peak.
PG&E Rates 2026
Pacific Gas & Electric tiered E-1, the default TOU plans and the EV2-A rate for electric vehicles, with peak windows and example bills.
SCE Rates 2026
Southern California Edison's tiered Schedule D, default TOU-D-4-9PM, the narrower TOU-D-5-8PM and TOU-D-PRIME for electrified homes.
SDG&E Rates 2026
San Diego Gas & Electric, the priciest major utility in the continental US: default TOU-DR1, the flatter TOU-DR2, EV-TOU-5 and the new Base Services Charge.
Florida
Florida bills run high despite a moderate per-kWh rate because households use far more electricity than the national average, almost entirely AC load. Restoration costs from hurricanes are recovered through temporary regulator-approved surcharges rather than the base rate.
New York
New York City bills split into a supply charge (the energy itself) and a delivery charge (the wires), with additional line items most other states fold into a single rate. Con Edison's delivery side is among the highest in the country.
Midwest and PJM
Illinois and the wider PJM region run competitive supply markets where the wholesale price of power passes through to residential customers more directly than in a fully regulated state. That makes timing and plan choice matter more.
ComEd Hourly Pricing 2026
How ComEd's real-time hourly residential rate passes the wholesale market price straight through, who benefits from it, and the volatility risk it carries.
Duke Energy Rates 2026
Duke's residential rates compared across its six-state footprint (the Carolinas, Florida, Indiana, Ohio and Kentucky), where rates and rules differ by jurisdiction.
PJM Capacity Costs
How the PJM capacity auction outcome flows through to residential bills across the 13-state region, and what the record 2025-2026 clearing price means for 2026.
Texas
Texas runs its own grid (ERCOT) and a deregulated retail market where most households pick a plan from a competitive supplier. Wholesale prices are volatile, and the structure of a retail plan (fixed, variable or indexed) decides how much of that volatility lands on the bill.
Puerto Rico
Puerto Rico's grid is run by LUMA Energy under a transmission-and-distribution contract while the legacy public utility PREPA restructures. Rates and reliability both reflect an ongoing, federally funded grid rebuild.
Why the utility matters more than the state average
Two households in the same state can pay very different amounts. Within a single state, regulated utilities set their own approved rates, deregulated markets let you pick a supplier, and time-of-use plans charge several times more during peak hours than overnight. A state average blends all of that into one number that may not resemble any actual bill.
These guides exist because the per-kWh number that decides your bill is the one on your utility's tariff, not the one in a national headline. Each guide names the plan, the regulator and the effective date so you can check the figure against your own statement before making a switching decision.