EV Electric Bill: 50-State Home Charging Cost Index
By Morgan Ellis · Published Aug 20, 2026
At 1,000 miles a month and 30 purchased kWh per 100 miles, home EV charging adds $54.93/month using the July 2026 U.S. residential electricity benchmark. Across the 50 state benchmarks, the same 300 kWh costs $38.16 in Louisiana and $144.00 in Hawaii. These are modeled costs, not bills collected from EV owners.
50-State Home Charging Cost Index | Updated October 1, 2026. Source period: July 2026. EIA release: September 24, 2026. Values are preliminary. GearUp transforms the residential price series into comparable charging budgets while holding energy use constant.
How to use this index
Find your state, then replace the benchmark rate with the marginal rate on your utility bill for a household estimate. Each row assumes all charging occurs at home, 1,000 miles/month, and 30 billed kWh/100 miles. That means 300 kWh/month and 3,600 kWh/year. “Annual” means twelve months at the June rate; it is not an annual tariff forecast.
The original EIA measure is average residential revenue per kWh, not a dedicated EV rate. It can reflect fixed charges and a mix of utility plans. Multiplying it by EV energy creates a consistent comparison index, not a promise of the increase on your bill.
All 50 states: same vehicle and distance
Rate column: cents per kWh. Cost columns: U.S. dollars. Rows are alphabetical. Data: EIA Table 5.6.A, July 2026 residential column; costs calculated by GearUp.
| State | Rate ¢/kWh | Monthly cost | Annualized cost |
|---|
| Alabama | 16.40 | $49.20 | $590.40 |
| Alaska | 28.83 | $86.49 | $1037.88 |
| Arizona | 15.38 | $46.14 | $553.68 |
| Arkansas | 14.33 | $42.99 | $515.88 |
| California | 33.61 | $100.83 | $1209.96 |
| Colorado | 17.00 | $51.00 | $612.00 |
| Connecticut | 24.16 | $72.48 | $869.76 |
| Delaware | 18.48 | $55.44 | $665.28 |
| Florida | 15.03 | $45.09 | $541.08 |
| Georgia | 16.27 | $48.81 | $585.72 |
| Hawaii | 48.00 | $144.00 | $1728.00 |
| Idaho | 13.73 | $41.19 | $494.28 |
| Illinois | 19.22 | $57.66 | $691.92 |
| Indiana | 16.73 | $50.19 | $602.28 |
| Iowa | 15.99 | $47.97 | $575.64 |
| Kansas | 15.27 | $45.81 | $549.72 |
| Kentucky | 13.81 | $41.43 | $497.16 |
| Louisiana | 12.72 | $38.16 | $457.92 |
| Maine | 32.41 | $97.23 | $1166.76 |
| Maryland | 21.41 | $64.23 | $770.76 |
| Massachusetts | 30.49 | $91.47 | $1097.64 |
| Michigan | 23.05 | $69.15 | $829.80 |
| Minnesota | 17.45 | $52.35 | $628.20 |
| Mississippi | 14.54 | $43.62 | $523.44 |
| Missouri | 16.09 | $48.27 | $579.24 |
| Montana | 14.99 | $44.97 | $539.64 |
| Nebraska | 13.78 | $41.34 | $496.08 |
| Nevada | 12.77 | $38.31 | $459.72 |
| New Hampshire | 26.60 | $79.80 | $957.60 |
| New Jersey | 25.19 | $75.57 | $906.84 |
| New Mexico | 16.09 | $48.27 | $579.24 |
| New York | 29.90 | $89.70 | $1076.40 |
| North Carolina | 15.16 | $45.48 | $545.76 |
| North Dakota | 13.41 | $40.23 | $482.76 |
| Ohio | 19.45 | $58.35 | $700.20 |
| Oklahoma | 14.35 | $43.05 | $516.60 |
| Oregon | 15.97 | $47.91 | $574.92 |
| Pennsylvania | 21.72 | $65.16 | $781.92 |
| Rhode Island | 28.29 | $84.87 | $1018.44 |
| South Carolina | 15.47 | $46.41 | $556.92 |
| South Dakota | 15.37 | $46.11 | $553.32 |
| Tennessee | 13.71 | $41.13 | $493.56 |
| Texas | 15.88 | $47.64 | $571.68 |
| Utah | 13.12 | $39.36 | $472.32 |
| Vermont | 23.75 | $71.25 | $855.00 |
| Virginia | 17.55 | $52.65 | $631.80 |
| Washington | 14.71 | $44.13 | $529.56 |
| West Virginia | 15.78 | $47.34 | $568.08 |
| Wisconsin | 19.06 | $57.18 | $686.16 |
| Wyoming | 14.36 | $43.08 | $516.96 |
For context, the EIA U.S. total is 18.31¢/kWh: $54.93/month and $659.16/year in this model. The District of Columbia, shown separately because it is not a state, is 25.21¢/kWh: $75.63/month and $907.56/year. The U.S. total is the EIA aggregate; we did not calculate it by averaging the 50 state prices.
What changes the decision
The difference between California and Texas is $53.19/month for identical 300-kWh use: $100.83 versus $47.64. That is a $638.28 annualized gap. A national $55 estimate understates the California benchmark by about $46/month and overstates the Texas benchmark by $7.29.
Louisiana, Nevada and Utah are the lowest-priced state benchmarks in this release. Hawaii, California and Maine are the highest. This ranking is specific to July 2026 and does not rank EV ownership cost, charging access or utility EV tariffs. An off-peak plan can change an individual household’s result considerably.
Scale the result to your driving
Monthly cost = monthly miles × billed kWh per 100 miles ÷ 100 × dollars per kWh. Or multiply the table cost by (your monthly miles ÷ 1,000) × (your billed kWh/100 miles ÷ 30) × your home-energy share. This last shortcut assumes the same purchased-energy intensity for home and public driving.
| Scenario | Monthly purchased energy | At 18.31¢/kWh |
|---|
| 600 miles, 25 kWh/100 miles (4.0 mi/kWh) | 150 kWh | $27.47 |
| 1,000 miles, 30 kWh/100 miles (3.3 mi/kWh) | 300 kWh | $54.93 |
| 1,500 miles, 40 kWh/100 miles (2.5 mi/kWh) | 600 kWh | $109.86 |
Most EV efficiency ratings are in miles per kWh; divide 100 by that number to get kWh per 100 miles (3.3 mi/kWh is about 30 kWh/100 miles). These are deliberately selected scenarios, not categories of observed drivers. A 10% increase in purchased energy produces a 10% higher bill at a fixed tariff. A 5¢/kWh rate increase adds $15/month at 300 kWh. This makes tariff and energy-use sensitivity easy to check without claiming one factor always dominates the others.
Add the energy, delivery and other per-kWh charges that change when you charge. Include applicable taxes and incremental plan or meter fees. Existing fixed charges that do not change are not an incremental EV expense. For tiered pricing, charge the added kWh at the tiers they actually enter; the historical average on your bill can be misleading.
With time-of-use billing, multiply each period’s charging kWh by that period’s rate. If the new plan raises the cost of running the house during peak hours, subtract that household penalty from any EV savings. Solar charging also has an opportunity cost if that electricity could otherwise offset household purchases or earn export credits.
Measure home charging at the wall or charger meter where possible. Battery capacity and dashboard efficiency do not automatically equal purchased energy. Do not add a second loss allowance to an efficiency figure that already includes wall consumption. DOE’s home charging guide explains the energy and price inputs.
Do not confuse a higher utility bill with higher driving cost
A $54.93 electricity increase can accompany lower fuel spending. At an illustrative $3.50/gallon and 30 mpg, 1,000 miles costs $116.67 in gasoline. The energy-only difference is $61.74/month in favor of the modeled home-charged EV. At the Hawaii benchmark, the same EV electricity costs $144.00, so the result reverses. Gas price and efficiency here are assumptions, not local measurements.
Use the Home vs Public Charging Study when part of your charging is away from home. Use the Membership Break-Even Index for subscription fees, then enter your own rates in the charging cost calculator. The EV versus gas analysis puts energy alongside the other ownership costs.
Methodology and update record
October 1, 2026: refreshed all 50 state rates, the U.S. total and the District of Columbia to EIA’s July 2026 preliminary residential series (released September 24, 2026), recalculated the scenario table and added miles-per-kWh equivalents. September 14, 2026: replaced the single national bill headline with a 50-state index using EIA’s June 2026 preliminary residential series. State names and prices are transcribed from the official table. Monthly dollars equal rate in cents × 3; annualized dollars equal rate in cents × 36. We retain full source precision before rounding dollar outputs to two decimals. We exclude census divisions and the U.S. total from the state count, and report DC separately.
Source: U.S. Energy Information Administration, Electric Power Monthly, Table 5.6.A, accessed October 1, 2026. Charging method reference: DOE AFDC, accessed September 14, 2026. EIA may revise its estimates; the source page rolls forward when a new monthly release is published, so match its data period before comparing numbers.
This index excludes public fees, charger purchase and installation, financing, vehicle ownership costs, and future rate changes. It does not estimate the percentage increase in an average household bill by combining unrelated surveys. Compare your calculated EV expense with your own pre-EV bill instead.