Data sources
Every material number on this site is one of three things: measured by someone else, assumed by us, or calculated from the first two. This page says which is which for all 38 inputs — including the 2 whose provenance we have not managed to establish.
How to read this page
The question worth answering is not how many of our fields we can call “sourced”. It is whether you can tell, for any number on this site, where it came from and how much weight to put on it. So every input carries one of these labels:
- Sourced data
- An externally observed value from a named dataset.Marked on the site as Sourced
- Modeled assumption
- A baseline we chose because no single objectively correct value exists.Marked on the site as Assumption
- Derived value
- Calculated by Payback Math from the inputs above.Marked on the site as Calculated
- Source unresolved
- Presented as fact but not yet traced to a dataset we have verified. Treat with caution.Marked on the site as Source unresolved
Current tally: 9 sourced, 27 modeled assumptions, 12 calculated outputs, and 2 with unresolved provenance. That last figure is published rather than quietly reclassified. Driving it to zero by calling unresolved fields “assumptions” would be the easiest change on this page and the most dishonest.
Sourced data
9 inputs come from 8 external datasets. Vintage is the period the data describes; retrieved is when we fetched it. A 2023 dataset pulled in 2026 is not stale if 2023 is the latest complete release — but you should be able to see that for yourself.
| Variable | Source | Dataset | Resolution | Vintage | Retrieved |
|---|---|---|---|---|---|
| Residential electricity price¢/kWh | EIA | Electric Power Monthly, Table 5.6.B — average price by state, residential | State | Year to date through May 2026 | |
| Peak sun hourshours/day | PVGIS (EU JRC) | PVGIS v5.3, PVGIS-ERA5 hourly radiation database | Largest metro per state | 2005–2023 climatology | |
| Annual solar yield per kW installedkWh/kW/yr | PVGIS (EU JRC) | PVGIS v5.3, PVGIS-ERA5 hourly radiation database | Largest metro per state | 2005–2023 climatology | |
| Gasoline price$/gal | AAA | State gas price averages, regular grade | State | Spot price on the retrieval date | |
| Residential natural gas price$/therm | EIA | Natural gas delivered to residential consumers ($/Mcf) | State | 2025 for 44 states; 2024 for the 7 EIA withheld (CT, ME, MD, NC, OK, RI, SC) | |
| Heating degree daysHDD, base 65°F | NOAA CPC | Population-weighted state heating degree day normals, base 65°F | State, population-weighted | Published climatological normals (1971–2000 base period) | |
| Annual miles drivenmiles/yr | FHWA | Highway Statistics 2023 — Table VM-2 (annual vehicle-miles) and Table DL-22 (licensed drivers) | State | 2023 (latest complete release) | |
| Average residential electricity usekWh/month | EIA | Electric Sales, Revenue, and Average Price — Table 5.A, Residential Average Monthly Bill by Census Division and State | State (50 states and the District of Columbia) | 2024 (latest completed annual release) | |
| Federal residential clean-energy creditfraction | IRS | Residential Clean Energy Credit (IRC §25D) guidance, as modified by Public Law 119-21 | Federal (applies nationwide) | Law in force for the 2026 model year |
U.S. Energy Information Administration
Electric Power Monthly, Table 5.6.B — average price by state, residential
- Resolution
- State
- Vintage
- Year to date through May 2026
- Retrieved
- 2026-08-03
Provides: Residential electricity price. Used in: solar, ev, heat-pump, battery.
Primary sourceEuropean Commission Joint Research Centre
PVGIS v5.3, PVGIS-ERA5 hourly radiation database
- Resolution
- Largest metro per state
- Vintage
- 2005–2023 climatology
- Retrieved
- 2026-08-04
ERA5 is ~30 km reanalysis, coarser than NREL's satellite-derived NSRDB, which is unreachable from our build environment.
Provides: Peak sun hours, Annual solar yield per kW installed. Used in: solar.
Primary sourceAAA
State gas price averages, regular grade
- Resolution
- State
- Vintage
- Spot price on the retrieval date
- Retrieved
- 2026-08-03
A single-day spot price, not an annual average. Pump prices move 30–50¢ seasonally, so this drifts between refreshes.
Provides: Gasoline price. Used in: ev.
Primary sourceU.S. Energy Information Administration
Natural gas delivered to residential consumers ($/Mcf)
- Resolution
- State
- Vintage
- 2025 for 44 states; 2024 for the 7 EIA withheld (CT, ME, MD, NC, OK, RI, SC)
- Retrieved
- 2026-08-03
Converted to $/therm at 10.37 therms per Mcf.
Provides: Residential natural gas price. Used in: heat-pump.
Primary sourceNOAA Climate Prediction Center
Population-weighted state heating degree day normals, base 65°F
- Resolution
- State, population-weighted
- Vintage
- Published climatological normals (1971–2000 base period)
- Retrieved
- 2026-08-03
Population-weighted tracks where people live rather than land area. The archived normals run a few percent above modern ones, which errs against the heat pump rather than for it. DC has no CPC series; Maryland is the proxy.
Provides: Heating degree days. Used in: heat-pump.
Primary sourceFederal Highway Administration
Highway Statistics 2023 — Table VM-2 (annual vehicle-miles) and Table DL-22 (licensed drivers)
- Resolution
- State
- Vintage
- 2023 (latest complete release)
- Retrieved
- 2026-08-21
Miles per licensed driver = state annual VMT ÷ licensed drivers. National result 13,662 mi, within 1.3% of the commonly cited figure. Rounded to the nearest 100 — the inputs do not justify finer precision. This measures the average driver, not the average household or vehicle.
Provides: Annual miles driven. Used in: ev.
Primary sourceU.S. Energy Information Administration
Electric Sales, Revenue, and Average Price — Table 5.A, Residential Average Monthly Bill by Census Division and State
- Metric
- Average Monthly Consumption (kWh) per residential customer
- Sector
- Residential
- Resolution
- State (50 states and the District of Columbia)
- Vintage
- 2024 (latest completed annual release)
- Released by publisher
- 2025-10-07
- Retrieved
- 2026-08-21
- Underlying forms
- EIA-861 schedules 4A-D, EIA-861S, EIA-861U
The metric is average monthly consumption per residential CUSTOMER ACCOUNT, not per household or per dwelling. A single account can serve more or fewer people than one household, so the two are close but not identical — the site says 'residential customer' for that reason. EIA reports whole kWh; values are stored as integers with no added precision. The next annual release is due October 2026.
Provides: Average residential electricity use. Used in: solar.
Primary sourceInternal Revenue Service
Residential Clean Energy Credit (IRC §25D) guidance, as modified by Public Law 119-21
- Metric
- Credit rate available to a homeowner for a new residential solar installation
- Sector
- Residential, homeowner-owned
- Resolution
- Federal (applies nationwide)
- Applies to
- Law in force for the 2026 model year
- Guidance issued
- 2025-08-21
- Last verified
- 2026-08-21
- Authority
- IRS Fact Sheet FS-2025-05; IRC §25D(h) and §25D(e)(8)(A); P.L. 119-21 (4 July 2025)
A legal input, not a measurement, so it carries a verification date rather than a data vintage: tax law can change at any time, and the provenance audit reports how long it has gone unreviewed. Cross-checked against the enacted statute and CRS Insight IN12611 (25 September 2025). Note that older IRS FAQ material describing §25D running to 2034 predates P.L. 119-21 and is superseded.
Provides: Federal residential clean-energy credit. Used in: solar.
Primary sourceSource unresolved
These 2 inputs are presented on state pages as though they were measured, but we have not traced them to a dataset we have actually verified. They are the weakest numbers on the site. Each one says what is missing and why we could not close it:
Annual outage durationSource unresolved
Currently 2 – 13 hours/yr · used in battery
Should come from EIA-861 reliability (SAIDI, with major event days stated explicitly). The EIA-861 archive we tried returns a stub. Note SAIDI is average interruption duration per customer — not the same as 'hours without power' for any individual home. Used only to frame backup value, which is deliberately excluded from payback.
Solar export compensation policySource unresolvedmaterially affects the result
Currently none / partial / full · used in solar, battery · editable in the calculator
The regulatory structure — whether a state credits exports at the retail rate, runs net billing, or leaves it to each utility. Seven jurisdictions are now verified against a primary regulator or DSIRE's published policy notes (California, Arizona, Texas, Idaho, Vermont, New York, Oregon); the other 44 carry the site's earlier three-bucket assumption and are openly flagged as unverified rather than promoted. DSIRE's per-state records sit behind a licensed API and its summary maps encode states as unnamed polygons, so reading 51 classifications out of map colours would be inferring data from a picture. Full per-jurisdiction records in src/data/exportPolicy.js.
Modeling assumptions
These 27 values were chosen by us. In most cases no objectively correct number exists — installed prices depend on the installer, tariffs depend on the utility, and a house is not a state average. Publishing a chosen value as a state fact would be false precision, so each is labelled and, where it matters most, made editable so you can substitute your own.
| Variable | Payback Math default | Why it is an assumption | Editable |
|---|---|---|---|
| Installed solar cost$/W | $2.65/W – $3.60/W | Deliberately NOT presented as a state fact. Installed price varies more by installer, system size, financing, roof and hardware than by state, and the authoritative dataset (LBNL Tracking the Sun) lags roughly two years and is not reachable from our build environment. Publishing a precise 'average Texas price' would be false precision. Scaled by system size — small roofs cost more per watt because permitting and labour are near-fixed. | Yes |
| Time-of-use peak/off-peak spread¢/kWh | 0¢/kWh – 28¢/kWh | A statewide TOU spread is fake precision: tariffs vary by utility, season, weekday, hour and programme eligibility, and many households are not on a TOU tariff at all. Treated as a baseline to make battery arbitrage tractable, and adjustable on every battery page. | Yes |
| Solar analysis periodyears | 25 years | Typical panel performance-warranty horizon. | No |
| Panel degradationfraction/yr | 0.5%/yr | Standard modern warranty assumption. Pushes payback later. | No |
| Electricity price growthfraction/yr | 2.5%/yr | Long-run US residential average. Pulls payback earlier, partly offsetting degradation. | No |
| Solar self-consumptionfraction | 40% | Share used as generated without a battery. Peak output is midday; peak use is evening. | No |
| Modelled export compensation¢/kWh | — | What an exported kWh earns where the state does NOT credit at the retail rate. Modelled in cents rather than as a share of retail, because avoided cost tracks wholesale generation value and does not rise with a state's retail rate — the old percentage model overstated Arizona by about a third and California by roughly 170%, worst exactly where retail rates are highest. Anchored on the only residential export tariffs we verified against a regulator: Arizona's Resource Comparison Proxy (APS 6.171¢, TEP 5.70¢). A baseline, not a measurement of any utility. Solar and battery both read this same figure: they price the same transaction, a residential rooftop kWh exported under the state's DG tariff. For the battery it is an opportunity cost — the income you give up by storing a kilowatt-hour instead of selling it — so a lower export rate makes a battery MORE valuable, not less. | Yes |
| Fallback system-loss factorfraction | 86% | Only used where a location has no PVGIS yield figure. Superseded for all 51 states. | No |
| Cost-per-watt benchmark sizekW | 8 kW | System size the quoted $/W describes; cost scales from here. | No |
| EV efficiencymi/kWh | 3.5 mi/kWh | Typical mainstream EV before charging losses. | Yes |
| Petrol car efficiencyMPG | 26 MPG | Typical mainstream combined figure. The comparison car is a modelling choice, not an observation. | Yes |
| Charging efficiencyfraction | 90% | AC losses between wall and battery. You pay for what leaves the wall, not what reaches the battery. | No |
| Public fast-charging price$/kWh | $0.48/kWh | Representative DC fast-charging rate. Varies widely by network, session and membership. | No |
| Share charged at homefraction | 80% | Typical owner with a driveway. The single biggest swing factor in EV running cost. | Yes |
| EV comparison periodyears | 5 years | Typical ownership span. | No |
| Modelled home sizesq ft | 2,000 sq ft | A single reference house is used so the state-to-state comparison isolates climate and fuel price rather than housing stock. Census median new-home size is published, but the median *existing* heated floor area by state is not, and heating demand scales almost linearly with it — so this is the input to change first if your home differs. | Yes |
| Building heat-loss rateBTU/hr·°F per sq ft | 0.25 BTU/hr·°F per sq ft | Moderately insulated. Draughty ≈ 0.40, well-sealed ≈ 0.15 — selectable in the calculator. | Yes |
| Gas furnace efficiencyAFUE fraction | 92% | Modern condensing unit. Older furnaces run nearer 80%, which favours the heat pump. | Yes |
| Heat pump install premium$ | $4,000 | Extra up-front cost over a like-for-like furnace replacement, before rebates. Highly local. | Yes |
| Heat pump analysis periodyears | 15 years | Typical equipment life. | No |
| Negligible-heating thresholdHDD | 500 HDD | Below this the page reports no meaningful heating season rather than printing noise. | No |
| Battery capacity modelledkWh | 13.5 kWh | Typical single home battery. | Yes |
| Battery installed cost$/kWh | $1,100/kWh | Before incentives. Like solar $/W, this varies more by installer and project than by state. | Yes |
| Usable capacityfraction | 90% | Manufacturers publish usable capacity per product, not as an industry statistic, and the figure differs by chemistry and by how the installer configures a reserve for backup. A representative value is used rather than one vendor's spec sheet. | No |
| Round-trip efficiencyfraction | 90% | Delivering one usable kWh means buying about 1.11. Omitting this overstates arbitrage by ~11%. | No |
| Cycles per yearcycles | 300 cycles | Near-daily cycling — the optimistic case. | Yes |
| Battery warrantyyears | 10 years | Reference period for the battery verdict. A payback arriving after the warranty is not one you can rely on. | No |
Calculated values
Everything else on the site is arithmetic. A calculated value needs no third-party source — it needs a formula, named inputs and a version number, all of which are on the methodology page. The main published outputs and what each is computed from:
- Solar system size — from monthlyKwh, kwhPerKwYear
- First-year solar generation — from systemKw, kwhPerKwYear
- Payback period — from netCost, annual savings, degradation, price escalation
- Lifetime net gain — from annual savings, analysis period
- Cost per mile — from rateCentsPerKwh, EV_MILES_PER_KWH, CHARGING_EFFICIENCY
- Break-even gasoline price — from EV running cost, gallons
- Seasonal COP — from hdd
- Annual heating demand — from hdd, DEFAULT_HOME_SQFT, HEAT_LOSS_PER_SQFT
- Battery annual bill saving — from touSpreadCents, the jurisdiction's export compensation, ROUND_TRIP_EFFICIENCY
- State ranking — from the calculation engine across all 51 states
- National median — from the calculation engine across all 51 states
- Financial verdict — from payback period, product lifetime or warranty
A worked example of that tracing, for one calculator across all 51 jurisdictions, is published as heat pump vs gas furnace economics by state, which carries its own data, assumptions and limitations alongside a downloadable snapshot.
Because every calculated value traces back to the tables above, a calculated number is exactly as trustworthy as its weakest input — not more. A payback figure built partly on an unresolved input inherits that uncertainty, which is why the unresolved list is published rather than buried.
Federal incentive policy
One input on this site is a legal fact rather than a measurement, and it can change the day a bill is signed. It is therefore recorded with the provision, the authority and the date we last checked it, and it is keyed to the model year rather than treated as permanent.
Federal residential clean-energy credit: 0% for new 2026 installations
- Value
- 0%
- Provision
- IRC §25D (Residential Clean Energy Credit)
- Treatment
- No credit. §25D does not apply to expenditures made after 31 December 2025, and an expenditure is treated as made when the original installation is completed.
- Authority
- Internal Revenue Service
- Legislation
- Public Law 119-21, enacted 2025-07-04
- Guidance
- IRS Fact Sheet FS-2025-05 (21 August 2025); IRS Residential Clean Energy Credit guidance
- Applies to
- A homeowner who buys and owns a residential solar system whose installation is completed in 2026.
- Last verified
- 2026-08-21
Business clean-electricity credits such as §48E continue on their own timetable, but they are claimed by the owner of the system. In a lease or PPA the installer owns the equipment and may or may not pass the value through in the rate — that is not modelled here, and it is not a credit the homeowner receives.
Proposed, not modelled: H.R. 5862 (119th Congress), introduced 28 October 2025, would reverse the termination. It has not been reported out of committee or passed either chamber, so it is not reflected in these figures.
Tax eligibility depends on individual circumstances. This is the baseline federal treatment for a typical homeowner-owned installation and is not tax advice.
Solar export compensation
Roughly 60% of what a rooftop system generates is exported, so what an exported kilowatt-hour earns drives close to half of every solar result on this site. It is also the input where a tidy state-level number is most tempting and least honest, so the two questions behind it are recorded separately.
The solar and battery calculators now read the same record. They price the same transaction — one exported rooftop kilowatt-hour under the state's rules — once as income to a solar owner and once as the income a battery owner gives up by storing it instead. Until recently each calculator carried its own copy of the assumption and they disagreed in 22 states; that duplication has been deleted, so there is one export value per jurisdiction and one place to change it.
Policy structure
Whether a state credits exports at retail, runs net billing, sets rates per utility, or has no statewide rule.
7 of 51 verified against a regulator or DSIRE's published policy notes; the remaining 44 carry an earlier assumption and are flagged unverified.
The numerical value
What we actually multiply exported kilowatt-hours by.
48 of 51 are modelled, not sourced. Only verified retail-rate net metering gives a sourced relationship, because there the policy itself sets the price.
Where compensation is not at retail we model it in cents per kilowatt-hour rather than as a share of retail — avoided cost follows wholesale generation value and does not rise with a state's retail rate. The 6¢/kWh baseline is anchored on Arizona's published Resource Comparison Proxy export tariffs, the only residential export rates we confirmed with a regulator.
| Jurisdiction | Policy structure | Exported power earns | Policy | Value |
|---|---|---|---|---|
| Alabama | No statewide policy | 6¢ / kWh (~36% of retail) | Unverified | Modelled |
| Alaska | Net billing | 6¢ / kWh (~22% of retail) | Unverified | Modelled |
| Arizona | Utility-specific export rate | 5.94¢ / kWh (~38% of retail) | Sourced · 2026-08-21 | Modelled |
| Arkansas | Retail-rate net metering | Full retail rate | Unverified | Modelled |
| California | Net billing | 6¢ / kWh (~18% of retail) | Sourced · 2026-08-21 | Modelled |
| Colorado | Retail-rate net metering | Full retail rate | Unverified | Modelled |
| Connecticut | Net billing | 6¢ / kWh (~20% of retail) | Unverified | Modelled |
| Delaware | Retail-rate net metering | Full retail rate | Unverified | Modelled |
| District of Columbia | Retail-rate net metering | Full retail rate | Unverified | Modelled |
| Florida | Retail-rate net metering | Full retail rate | Unverified | Modelled |
| Georgia | Net billing | 6¢ / kWh (~40% of retail) | Unverified | Modelled |
| Hawaii | No statewide policy | 6¢ / kWh (~13% of retail) | Unverified | Modelled |
| Idaho | No statewide policy | 6¢ / kWh (~48% of retail) | Sourced · 2026-08-21 | Modelled |
| Illinois | Retail-rate net metering | Full retail rate | Unverified | Modelled |
| Indiana | No statewide policy | 6¢ / kWh (~35% of retail) | Unverified | Modelled |
| Iowa | Retail-rate net metering | Full retail rate | Unverified | Modelled |
| Kansas | Net billing | 6¢ / kWh (~40% of retail) | Unverified | Modelled |
| Kentucky | Net billing | 6¢ / kWh (~42% of retail) | Unverified | Modelled |
| Louisiana | Net billing | 6¢ / kWh (~44% of retail) | Unverified | Modelled |
| Maine | Retail-rate net metering | Full retail rate | Unverified | Modelled |
| Maryland | Retail-rate net metering | Full retail rate | Unverified | Modelled |
| Massachusetts | Retail-rate net metering | Full retail rate | Unverified | Modelled |
| Michigan | Net billing | 6¢ / kWh (~29% of retail) | Unverified | Modelled |
| Minnesota | Retail-rate net metering | Full retail rate | Unverified | Modelled |
| Mississippi | Net billing | 6¢ / kWh (~39% of retail) | Unverified | Modelled |
| Missouri | Retail-rate net metering | Full retail rate | Unverified | Modelled |
| Montana | Retail-rate net metering | Full retail rate | Unverified | Modelled |
| Nebraska | Retail-rate net metering | Full retail rate | Unverified | Modelled |
| Nevada | Net billing | 6¢ / kWh (~43% of retail) | Unverified | Modelled |
| New Hampshire | Retail-rate net metering | Full retail rate | Unverified | Modelled |
| New Jersey | Retail-rate net metering | Full retail rate | Unverified | Modelled |
| New Mexico | Retail-rate net metering | Full retail rate | Unverified | Modelled |
| New York | Retail-rate net metering | Full retail rate | Sourced · 2026-08-21 | Sourced |
| North Carolina | Net billing | 6¢ / kWh (~40% of retail) | Unverified | Modelled |
| North Dakota | Retail-rate net metering | Full retail rate | Unverified | Modelled |
| Ohio | Retail-rate net metering | Full retail rate | Unverified | Modelled |
| Oklahoma | No statewide policy | 6¢ / kWh (~46% of retail) | Unverified | Modelled |
| Oregon | Retail-rate net metering | Full retail rate | Sourced · 2026-08-21 | Sourced |
| Pennsylvania | Retail-rate net metering | Full retail rate | Unverified | Modelled |
| Rhode Island | Retail-rate net metering | Full retail rate | Unverified | Modelled |
| South Carolina | Retail-rate net metering | Full retail rate | Unverified | Modelled |
| South Dakota | No statewide policy | 6¢ / kWh (~42% of retail) | Unverified | Modelled |
| Tennessee | No statewide policy | 6¢ / kWh (~43% of retail) | Unverified | Modelled |
| Texas | No statewide policy | 6¢ / kWh (~37% of retail) | Sourced · 2026-08-21 | Modelled |
| Utah | Net billing | 6¢ / kWh (~46% of retail) | Unverified | Modelled |
| Vermont | Retail-rate net metering | Full retail rate | Sourced · 2026-08-21 | Sourced |
| Virginia | Retail-rate net metering | Full retail rate | Unverified | Modelled |
| Washington | Retail-rate net metering | Full retail rate | Unverified | Modelled |
| West Virginia | Retail-rate net metering | Full retail rate | Unverified | Modelled |
| Wisconsin | Retail-rate net metering | Full retail rate | Unverified | Modelled |
| Wyoming | Net billing | 6¢ / kWh (~44% of retail) | Unverified | Modelled |
DSIRE's May 2026 national summary records 28 states and DC with net metering, 16 with net billing or other compensation, and 1 with none. Its per-state records sit behind a licensed API and its summary maps encode states as unlabelled map shapes, so we did not try to read 51 classifications out of map colours — that would be inferring data from a picture. The unverified rows above say so plainly instead.
Known limitations
- Gasoline is a spot price. AAA state averages on the retrieval date, not an annual mean. Pump prices move 30–50¢ seasonally, so the EV comparison drifts between refreshes.
- Electricity is a partial-year average. Year-to-date through May, so summer-peaking states may run slightly higher across a full year.
- Solar resource is reanalysis, not satellite. PVGIS-ERA5 is roughly 30 km resolution — coarser than NREL's satellite-derived NSRDB, which is unreachable from our build environment. Optimal tilt also flatters a real roof: east/west facing or shaded arrays yield less.
- Mileage is per licensed driver. FHWA vehicle-miles divided by licensed drivers. That matches our one-driver EV comparison, but it is not miles per household, and states carrying heavy through-traffic on interstates read high.
- Washington DC has no NOAA HDD series. Maryland is used as the proxy.
Using this data
Figures on this site are free to cite with attribution to Payback Math and a link to the page the number came from. Where a figure originates with EIA, PVGIS (EU JRC), AAA, NOAA CPC, FHWA, IRS, please cite them as the underlying source — our contribution is the modelling, not the raw measurement.
The models themselves are documented on the methodology page, and every change to data or formulas is recorded in the changelog.
Data updated · Calculation model 2026.08.6 · change history