EV Home Charging Cost Calculator by State
Estimate your monthly and annual EV home charging cost, compare against gasoline, and see your time-of-use (TOU) savings potential. Defaults use state-average electricity and gas prices — every value is editable.
Enter your details above to see a personalized estimate.
Estimates based on your inputs and default assumptions. Actual costs vary by utility, driving conditions, and season. Not financial advice.
What If Electricity Rates Change?
See how your estimated annual EV cost changes if your electricity rate rises.
| Rate Change | New Rate | Annual EV Cost | Change |
|---|
How We Calculate Your EV Charging Costs
Monthly EV Cost = (Monthly Miles ÷ Efficiency) × Electricity Rate × (1 + Charging Loss) Monthly Gas Cost = (Monthly Miles ÷ Gas MPG) × Gas Price Monthly Savings = Monthly Gas Cost − Monthly EV CostDefault electricity rates are approximate state residential averages from the U.S. Energy Information Administration (EIA). Vehicle efficiency figures are based on EPA fuel economy data. Gas prices are approximate state averages from AAA. All values are editable so you can enter your exact rates.
Charging loss accounts for energy lost during AC-to-DC conversion and battery charging. Industry estimates typically range from 10% to 15%. We default to 12%.
Limitations
- Uses state averages unless you enter your own electricity rate.
- EPA efficiency may differ from real-world driving.
- Does not include demand charges, solar offset, or public charging costs.
- Gas price is a snapshot average and varies by location and fuel grade.
- Vehicle efficiency varies by model year, trim, and battery health.
Frequently Asked Questions
How much does it cost to charge an EV at home?
In the U.S., home charging typically costs roughly $0.04–$0.06 per mile, depending on your electricity rate and vehicle efficiency. For a driver covering 1,000 miles per month, that is roughly $40–$60.
Is it cheaper to charge an EV at home or at a public station?
Home charging is almost always cheaper. Public DC fast charging typically costs 2–3× more per kWh than residential electricity. Use the calculator with your own rate to see your specific number.
What is the average cost to charge an electric car per mile?
At the U.S. average residential rate of roughly 16–17 ¢/kWh and typical EV efficiency of 3–4 mi/kWh, the cost is approximately $0.04–$0.06 per mile. Your actual cost depends on your state rate and vehicle.
Does charging an EV increase my electricity bill a lot?
For most drivers, home EV charging adds roughly $30–$80 per month to an electricity bill — often less than the gasoline cost it replaces.
How can I calculate my EV charging cost with a time-of-use plan?
Select “Time-of-Use (TOU)” above, enter your utility’s off-peak and peak rates, and set the percentage of charging you do off-peak. The calculator blends the two rates and shows your TOU savings versus charging entirely at peak.
What is charging loss and why does it matter?
Charging loss is the energy lost as heat during AC-to-DC conversion and battery charging. Typically 10–15%, it means you pay for slightly more electricity than the battery stores. Including it makes your estimate reflect the true cost drawn from the grid.
Are these results official figures?
No. They are estimates based on your inputs and clearly labeled default assumptions. For billing accuracy, use your actual utility rate and your vehicle’s real-world efficiency.
EV Home Charging Cost Calculator by State (2027 USA Rates)
Your EV's home charging cost depends on three things: how many miles you drive, how efficiently your vehicle uses electricity, and what you pay per kWh. The calculator below gives you a personalized monthly and annual estimate, compares it to gasoline, and shows how much you can save with a time-of-use (TOU) electricity plan.
Default electricity and gas prices use state averages from the U.S. Energy Information Administration (EIA) and AAA. Every value is editable so you can enter your exact rate and driving habits.
Calculate Your EV Charging Cost
Enter your state, vehicle, and driving habits below. The calculator updates in real time.
How to Use the Calculator
- Select your state. This sets the default electricity rate and gas price.
- Choose your vehicle make and model. This auto-fills vehicle efficiency from EPA data.
- Adjust monthly mileage if you drive more or less than the 1,000-mile default.
- Enter your exact electricity rate if you know it — your utility bill will show $/kWh.
- If you are on a TOU plan, switch the rate type and enter off-peak and peak rates.
- The charging loss slider defaults to 12%. You can adjust it between 5% and 25%.
Understanding Your Results
Monthly EV Charging Cost is your estimated electricity cost for the miles you drive in a month. Monthly Savings vs. Gas compares that to what you would spend on gasoline for the same mileage in a 28 MPG vehicle at your state's average gas price.
Cost per Mile and Cost per 100 Miles let you compare your EV to any gas vehicle regardless of how much you drive. Full Charge Cost shows what it costs to charge your specific vehicle from empty to full.
Calculate your personalized cost →
How Much Does It Cost to Charge an EV at Home?
At the U.S. average residential electricity rate of roughly 18–19 cents per kWh in 2026, most EV owners pay $45–$65 per month to charge at home. That is roughly one-third of what the average American spends on gasoline for the same mileage.
But "average" hides enormous variation. Your actual cost depends on your state's electricity rate, your vehicle's efficiency, and how many miles you drive. The same Tesla Model 3 can cost $30 per month in Utah or $105 per month in Hawaii.
Average Cost per Full Charge
A full charge costs less than most people expect. At the national average rate of roughly 18 cents per kWh:
| Vehicle Segment | Typical Battery | Full Charge Cost | Range | Cost per Mile |
|---|---|---|---|---|
| Compact sedan (Nissan Leaf) | 40 kWh | $7.53 | ~150 mi | 5.0¢ |
| Mid-size sedan (Tesla Model 3) | 60 kWh | $11.30 | ~270 mi | 4.2¢ |
| Mid-size SUV (Mustang Mach-E) | 75 kWh | $14.12 | ~300 mi | 4.7¢ |
| Full-size truck (F-150 Lightning ER) | 131 kWh | $24.67 | ~320 mi | 7.7¢ |
Source: Battery sizes and range estimates from manufacturer specifications. Cost calculated at $0.1883/kWh (EIA, June 2026).
Cost per Mile
Home EV charging typically costs $0.04–$0.06 per mile depending on your electricity rate and vehicle efficiency. At the low end (efficient vehicle, cheap electricity), you pay about 3 cents per mile. At the high end (large truck, expensive electricity), you pay 8–10 cents per mile.
For comparison, a 28 MPG gas vehicle at $3.50/gallon costs about 12.5 cents per mile. Even the least efficient EV on the most expensive electricity typically costs less per mile than gasoline.
State-by-State Comparison
Electricity rates vary more than 3× across the United States. The table below shows average residential rates by state as of mid-2026, based on EIA data.
| State | Avg. Residential Rate (¢/kWh) | Monthly EV Cost (1,000 mi, 3.5 mi/kWh) | Monthly Gas Cost (1,000 mi, 28 MPG, $3.50/gal) | Monthly Savings |
|---|---|---|---|---|
| Hawaii | 42¢ | $137.00 | $125.00 | -$12.00 |
| California | 33¢ | $106.00 | $125.00 | $19.00 |
| Connecticut | 30¢ | $96.00 | $125.00 | $29.00 |
| Massachusetts | 30¢ | $96.00 | $125.00 | $29.00 |
| Rhode Island | 30¢ | $96.00 | $125.00 | $29.00 |
| New York | 29¢ | $93.00 | $125.00 | $32.00 |
| Maine | 28¢ | $90.00 | $125.00 | $35.00 |
| Alaska | 27¢ | $86.00 | $125.00 | $39.00 |
| New Hampshire | 27¢ | $86.00 | $125.00 | $39.00 |
| District of Columbia | 25¢ | $80.00 | $125.00 | $45.00 |
| Vermont | 24¢ | $77.00 | $125.00 | $48.00 |
| New Jersey | 23¢ | $74.00 | $125.00 | $51.00 |
| Maryland | 22¢ | $71.00 | $125.00 | $54.00 |
| Michigan | 21¢ | $67.00 | $125.00 | $58.00 |
| Pennsylvania | 21¢ | $67.00 | $125.00 | $58.00 |
| Illinois | 19¢ | $61.00 | $125.00 | $64.00 |
| Indiana | 17¢ | $54.00 | $125.00 | $71.00 |
| Texas | 14¢ | $45.00 | $125.00 | $80.00 |
| Washington | 12¢ | $38.00 | $125.00 | $87.00 |
| North Dakota | 12¢ | $38.00 | $125.00 | $87.00 |
Monthly EV cost assumes 1,000 miles, 3.5 mi/kWh efficiency, and 12% charging loss. Gas cost assumes 28 MPG and $3.50/gallon. Actual costs vary.
How We Calculate Your EV Charging Costs
Every number in the calculator follows a simple formula you can verify yourself.
The Formula
Monthly EV Cost = (Monthly Miles ÷ Efficiency) × Electricity Rate × (1 + Charging Loss)
Monthly Gas Cost = (Monthly Miles ÷ Gas MPG) × Gas Price
Monthly Savings = Monthly Gas Cost − Monthly EV Cost
Full Charge Cost = Battery Size × Electricity Rate × (1 + Charging Loss)
Where Efficiency is measured in miles per kWh (mi/kWh). For example, a Tesla Model 3 Long Range has an EPA efficiency of 3.85 mi/kWh.
Charging Loss Assumption
Charging loss is the energy lost as heat during AC-to-DC conversion and battery charging. It means you pay for slightly more electricity than the battery actually stores. Industry estimates typically range from 10% to 15%. We default to 12%, which you can adjust using the slider.
This is not a hidden cost — it is a real physical loss that every EV owner pays. Including it makes your estimate reflect the true cost drawn from your utility meter.
Data Sources
| Data Point | Source | Update Frequency |
|---|---|---|
| State electricity rates | U.S. Energy Information Administration (EIA) | Quarterly |
| Vehicle efficiency | EPA Fuel Economy | Annually |
| State gas prices | AAA | Monthly |
| Battery capacities | Manufacturer specifications | Annually |
Last Verified: September 2026. EIA rates are updated quarterly. Gas prices vary daily; verify current prices at gasprices.aaa.com.
Time-of-Use (TOU) Rates: How to Save on EV Charging
If your utility offers a time-of-use plan, you can cut your EV charging cost by 30–50% simply by charging overnight. This is the single biggest lever most EV owners can pull to reduce their costs.
What Are TOU Rates?
TOU plans charge different rates depending on the time of day. Electricity is cheaper during off-peak hours (typically 9 PM to 6 AM) when demand is low, and more expensive during peak hours (typically 4 PM to 9 PM) when everyone is running air conditioning, appliances, and lights.
Most utilities offer an EV-specific TOU plan with a super-off-peak window. If you charge your EV between midnight and 6 AM, you might pay 8–12 cents per kWh instead of 18–25 cents.
How the Calculator Handles TOU
Switch the rate type to "Time-of-Use" in the calculator. Enter your off-peak and peak rates, then set the percentage of your charging you do during off-peak hours. Most EV owners can shift 80–90% of charging to off-peak with a basic timer or the vehicle's scheduled charging feature.
The calculator blends the two rates and shows your TOU Savings vs. All-Peak — the difference between charging entirely at peak rates and charging on your actual TOU schedule.
Example Scenario
Driver: 1,000 miles per month, 3.5 mi/kWh efficiency, 12% charging loss
Utility: Off-peak $0.10/kWh, Peak $0.30/kWh
Charging pattern: 80% off-peak, 20% peak
Blended rate: ($0.10 × 0.80) + ($0.30 × 0.20) = $0.14/kWh
Monthly cost: (1,000 ÷ 3.5) × $0.14 × 1.12 = $44.80
If charged entirely at peak: (1,000 ÷ 3.5) × $0.30 × 1.12 = $96.00
TOU savings: $51.20 per month — $614 per year
EV vs. Gas: How Much Can You Save?
For most drivers, home charging costs two to three times less per mile than gasoline. But the savings depend heavily on your state's electricity rate and gas price.
Comparison Methodology
The calculator uses the same monthly mileage for both vehicles. EV cost uses your electricity rate and vehicle efficiency. Gas cost uses your state's average gas price and a default 28 MPG — which you can adjust to match your current gas vehicle.
This comparison excludes maintenance, insurance, and purchase price. It measures fuel cost only.
State-by-State Savings
In states with cheap electricity (Washington, Texas, North Dakota), EV savings exceed $80 per month. In states with expensive electricity (Hawaii, California, Connecticut), savings shrink to $20–$30 per month or can disappear entirely if electricity is very expensive relative to gas.
If you live in Hawaii, home charging may cost more per mile than gasoline at current rates. The calculator will show you your specific numbers.
Real-World Examples
Tesla Model 3 Long Range in California
Efficiency: 3.85 mi/kWh. Electricity: $0.33/kWh (state average). 1,200 miles/month.
Monthly EV cost: $115.25. Monthly gas cost (28 MPG, $5.67/gal): $243.00. Savings: $127.75/month.
Ford F-150 Lightning in Texas
Efficiency: 1.90 mi/kWh (Extended Range). Electricity: $0.14/kWh. 1,200 miles/month.
Monthly EV cost: $99.16. Monthly gas cost (20 MPG, $3.77/gal): $226.20. Savings: $127.04/month.
Used Nissan Leaf in Georgia
Efficiency: 3.33 mi/kWh (older battery, some degradation). Electricity: $0.14/kWh. 800 miles/month.
Monthly EV cost: $37.65. Monthly gas cost (32 MPG, $3.78/gal): $94.50. Savings: $56.85/month.
Home Charging vs. Public Charging: Cost Comparison
Home charging is almost always cheaper than public charging. The gap is larger than most people realize.
| Charging Type | Typical Rate | Full Charge (72 kWh) | Cost per Mile |
|---|---|---|---|
| Home Level 2 | $0.12–$0.19/kWh | $7–$11 | $0.04–$0.06 |
| Public Level 2 | $0.20–$0.30/kWh | $14–$22 | $0.07–$0.10 |
| DC Fast Charging | $0.40–$0.60/kWh | $29–$43 | $0.12–$0.18 |
Source: Qmerit 2026 charging cost analysis.
DC fast charging can cost 2–3× more per mile than home charging. If you cannot charge at home, your fuel cost advantage shrinks significantly — sometimes to zero compared to a efficient gas vehicle.
Calculate your home charging cost →
EV Home Charger Installation Costs & Payback
A Level 2 home charger is not free, but it pays for itself over time.
Level 1 vs. Level 2 Costs
Level 1 uses a standard 120V outlet and comes free with the vehicle. It adds about 3–5 miles of range per hour — too slow for most drivers to rely on exclusively.
Level 2 uses a 240V circuit and adds 25–40 miles of range per hour. Most homeowners spend approximately $1,700 on a typical installation, plus local permit costs where required.
The 30C Tax Credit
The federal Alternative Fuel Vehicle Refueling Property Credit (30C) provides a tax credit of 30% of the cost of home charger installation, up to $1,000. This credit has eligibility requirements — verify current status and your eligibility with the IRS before claiming.
Tax credit rules can change. Verify current eligibility at irs.gov before relying on this credit.
Break-Even Analysis
If you spend $1,700 on installation and earn a $500 tax credit, your net cost is $1,200. If home charging saves you $80 per month vs. gasoline, the charger pays for itself in 15 months. After that, every month is pure savings.
If you drive fewer miles or live in a state with cheap gasoline, the payback period is longer. The calculator's savings figure tells you your monthly benefit.
Factors That Affect Your EV Charging Costs
Electricity Rates
Your electricity rate is the single biggest variable. Rates vary from 12¢/kWh in North Dakota to 42¢/kWh in Hawaii — more than a 3× difference. Even within a state, utility-specific rates and TOU plans can change your cost by 50% or more.
Vehicle Efficiency
Efficiency ranges from about 1.9 mi/kWh (large trucks) to 4.2 mi/kWh (efficient sedans). A more efficient vehicle costs less to drive, all else equal.
Driving Habits
Highway driving is often less efficient for EVs than city driving (opposite of gas cars). Cold weather reduces range by 20–40%. Aggressive acceleration and high speeds increase consumption.
Charging Losses
Level 2 charging typically loses 10–15% of energy as heat. DC fast charging losses are smaller but the electricity itself costs more. Including charging loss in your calculation gives you a more accurate number.
Seasonal Variation
Some utilities charge higher rates in summer (June–September) for air conditioning demand. Others charge higher rates in winter. Check your utility's rate schedule for seasonal adjustments.
Real-World Examples
Tesla Model 3 in California
Vehicle: Model 3 Long Range, 3.85 mi/kWh, 82 kWh battery
Location: California, $0.33/kWh average
Driving: 1,200 miles/month
Monthly cost: $115.25
Full charge cost: (82 × $0.33 × 1.12) = $30.31
Cost per mile: $0.096
Ford F-150 Lightning in Texas
Vehicle: F-150 Lightning Extended Range, 1.90 mi/kWh, 131 kWh battery
Location: Texas, $0.14/kWh average
Driving: 1,200 miles/month
Monthly cost: $99.16
Full charge cost: (131 × $0.14 × 1.12) = $20.54
Cost per mile: $0.083
Used Nissan Leaf in Georgia
Vehicle: 2019 Leaf SV Plus, 3.23 mi/kWh (degraded battery), 60 kWh battery
Location: Georgia, $0.14/kWh average
Driving: 800 miles/month
Monthly cost: $37.65
Full charge cost: (60 × $0.14 × 1.12) = $9.41
Cost per mile: $0.047
EV Charging Cost Calculator FAQs
How much does it cost to charge an EV at home?
At the U.S. average residential rate of roughly 18–19 cents per kWh, home charging typically costs $45–$65 per month for a driver covering 1,000 miles. Cost per mile is roughly $0.04–$0.06 depending on your state and vehicle.
Is it cheaper to charge an EV at home or at a public station?
Home charging is almost always cheaper. Public DC fast charging typically costs 2–3× more per kWh than residential electricity. Even public Level 2 charging often costs more than home charging. Use the calculator with your own rate to see your specific numbers.
What is the average cost to charge an electric car per mile?
At typical U.S. electricity rates and vehicle efficiencies, home charging costs approximately $0.04–$0.06 per mile. Your actual cost depends on your state electricity rate, your vehicle's efficiency, and your charging loss percentage.
Does charging an EV increase my electricity bill a lot?
For most drivers, home EV charging adds roughly $45–$65 per month to an electricity bill — often less than the gasoline cost it replaces. If you switch to a TOU plan and charge overnight, the increase can be even smaller.
How can I calculate my EV charging cost with a time-of-use plan?
Select "Time-of-Use (TOU)" in the calculator, enter your utility's off-peak and peak rates, and set the percentage of charging you do off-peak. The calculator blends the two rates and shows your savings versus charging entirely at peak.
What is charging loss and why does it matter?
Charging loss is the energy lost as heat during AC-to-DC conversion and battery charging. Typically 10–15%, it means you pay for slightly more electricity than the battery stores. Including it makes your estimate reflect the true cost drawn from the grid.
Are these results official figures?
No. They are estimates based on your inputs and clearly labeled default assumptions. For billing accuracy, use your actual utility rate and your vehicle's real-world efficiency.
Why do EV charging costs vary so much by state?
Electricity rates vary from about 12¢/kWh to over 40¢/kWh depending on the state's energy mix, infrastructure costs, and regulations. States with cheap hydroelectric power (Washington, Idaho) have low rates. States with high transmission costs and fossil fuel dependence (Hawaii, California) have higher rates.
How accurate is the EPA efficiency rating?
EPA ratings are useful for comparison but may not match your real-world efficiency. Cold weather, highway speeds, and aggressive driving all reduce efficiency. If you know your actual mi/kWh, enter it manually for a more accurate result.
Does the calculator include demand charges?
No. Some commercial TOU plans include demand charges — a fee based on your highest 15-minute usage spike. Residential TOU plans typically do not have demand charges. If you are on a commercial plan, your actual cost may be higher than the calculator shows.
Sources & Methodology
This page uses the following data sources:
Sources & Methodology
This page uses the following data sources. Every source is listed with a direct link so you can verify the underlying data yourself.
- State electricity rates: U.S. Energy Information Administration (EIA), Electric Power Monthly, Table 5.6.A (Residential Sector Prices). Updated quarterly. Latest data referenced: mid-2026. Source: https://www.eia.gov/electricity/monthly/epm_table_grapher.php?t=epmt_5_6_a
- Vehicle efficiency: U.S. Environmental Protection Agency (EPA), Fuel Economy of Electric Vehicles. Updated annually. Source: https://www.fueleconomy.gov/feg/PowerSearch.do?action=noform&vtype=Electric
- State gas prices: AAA, State Gas Price Averages. Updated daily. Latest data referenced: 2026. Source: https://gasprices.aaa.com/state-gas-price-averages/
- 30C Tax Credit (Alternative Fuel Vehicle Refueling Property Credit): Internal Revenue Service (IRS), Instructions for Form 8911. Rules, caps, and eligibility can change — verify current status before relying on this credit. Source: https://www.irs.gov/instructions/i8911
- Charging loss assumption: Industry research indicates AC charging losses typically fall between 10% and 15% for Level 2 home charging. Published technical data (TNO, SolarMoves First Interim Report, 2024) reports AC charging losses in the 10–21% range depending on equipment and conditions. Default assumption used here: 12%. Reference: https://publications.tno.nl/publication/34643639/KXyfPIuV/gijlswijk-2024-solarmoves.pdf
- Battery capacities and vehicle specifications: Manufacturer specifications and EPA fuel economy data. Battery capacities are rounded to the nearest usable whole kWh where applicable and may differ slightly by model year, trim, and battery supplier.
Last Verified: September 2026. Electricity rates are reviewed quarterly against EIA releases. Gas prices change daily — verify current prices at gasprices.aaa.com before making decisions based on the gas-cost comparison.
Results shown in the calculator are estimates based on your inputs and default assumptions. Actual costs vary by utility, driving conditions, seasonal rate changes, and vehicle state. This is not financial or tax advice. For tax-credit eligibility, consult the IRS or a qualified tax professional.
Last Verified: September 2026. Electricity rates are reviewed quarterly. Gas prices change daily — verify current prices at gasprices.aaa.com.
Results are estimates based on your inputs and default assumptions. Actual costs vary by utility, driving conditions, and season. This is not financial advice.
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