---
title: "AC at 75 vs 78: What It Does to Your FPL Electric Bill"
description: "How much more does 75 cost than 78? A worked example from the FPL rate sheet, its per-degree estimate and federal data on how much power Florida homes use."
canonical_url: "https://www.directcoolingfl.com/blog/ac-75-vs-78-fpl-bill"
last_updated: "2026-10-21"
language: "en"
---

# What Running the AC at 75 Instead of 78 Does to an FPL Bill

FPL's own wording is short: "Each degree you raise your thermostat above 75°F can save up to 5% on your monthly cooling costs, depending on your home and A/C system." \[[1](https://www.directcoolingfl.com/blog/ac-75-vs-78-fpl-bill#ref-1)\] The same page suggests a range, not a single number: "set your thermostat to a comfortable temperature between 75°F and 78°F when you're home and around 82°F when you're away." \[[1](https://www.directcoolingfl.com/blog/ac-75-vs-78-fpl-bill#ref-1)\]

To turn that into dollars, you need two more numbers: how much of a Florida electric bill goes to cooling, and what a kilowatt-hour costs on FPL's current rate. Both are published. The U.S. Energy Information Administration's 2020 Residential Energy Consumption Survey puts Florida household air conditioning at 33.8 billion kWh out of 112.8 billion kWh of household electricity \[[2](https://www.directcoolingfl.com/blog/ac-75-vs-78-fpl-bill#ref-2)\] \[[3](https://www.directcoolingfl.com/blog/ac-75-vs-78-fpl-bill#ref-3)\]. FPL's October 2026 rate sheet gives the per-kWh charges \[[4](https://www.directcoolingfl.com/blog/ac-75-vs-78-fpl-bill#ref-4)\].

Direct Cooling, a licensed Florida AC contractor in West Boca Raton, ran the arithmetic in the open so you can repeat it with your own bill. Every step that is ours is labeled as ours.

**Key takeaways**

- FPL: up to 5 percent of monthly cooling costs per degree above 75 F, so up to about 15 percent for 75 versus 78 \[[1](https://www.directcoolingfl.com/blog/ac-75-vs-78-fpl-bill#ref-1)\].
- Air conditioning is about 30 percent of Florida household electricity, our arithmetic on EIA's 2020 survey (33.8 of 112.8 billion kWh) \[[2](https://www.directcoolingfl.com/blog/ac-75-vs-78-fpl-bill#ref-2)\] \[[3](https://www.directcoolingfl.com/blog/ac-75-vs-78-fpl-bill#ref-3)\].
- On FPL's October 2026 rate, an average Florida home's July difference works out to about $10 to $12 on FPL's estimate, before taxes \[[4](https://www.directcoolingfl.com/blog/ac-75-vs-78-fpl-bill#ref-4)\].
- An older Florida Solar Energy Center calculation gives a bigger effect, almost 10 to 15 percent per degree \[[5](https://www.directcoolingfl.com/blog/ac-75-vs-78-fpl-bill#ref-5)\].
- FPL rates step up again on January 1, 2027 \[[6](https://www.directcoolingfl.com/blog/ac-75-vs-78-fpl-bill#ref-6)\].

## How Much of a Florida Electric Bill Is Air Conditioning

Air conditioning is about 30 percent of the electricity Florida homes use, by our arithmetic on the EIA's 2020 Residential Energy Consumption Survey: 33.8 billion kWh for air conditioning out of 112.8 billion kWh in total. Adding the air handler fans used for cooling, another 5.4 billion kWh, raises the cooling share to about 35 percent.

![Bar chart: air conditioning is about 30 percent of Florida household electricity, about 35 percent with air handler fans used for cooling, against about 19 percent for U.S. homes, from the 2020 EIA survey.](https://www.directcoolingfl.com/img/florida-air-conditioning-share-of-home-electricity-chart.svg)

Florida shares are our arithmetic on EIA state tables; the U.S. figure is EIA's own.

Nationally, the EIA says that in 2020 "electricity consumption for air conditioning accounted for about 19%" of U.S. household electricity use \[[7](https://www.directcoolingfl.com/blog/ac-75-vs-78-fpl-bill#ref-7)\]. The EIA's 2024 sales data puts the average Florida residential customer at 1,104 kWh a month and a $156.09 monthly bill, against a national average of 863 kWh and $142.26 \[[8](https://www.directcoolingfl.com/blog/ac-75-vs-78-fpl-bill#ref-8)\]. Florida homes use more power, and a larger share of it goes to cooling.

Divided by Florida's 8.06 million households, the 2020 survey works out to about 4,190 kWh of air conditioning per home per year, our arithmetic on the EIA tables \[[2](https://www.directcoolingfl.com/blog/ac-75-vs-78-fpl-bill#ref-2)\] \[[3](https://www.directcoolingfl.com/blog/ac-75-vs-78-fpl-bill#ref-3)\]. That figure is the base for every dollar amount below. It is an average across every kind of Florida home, from a one-bedroom condo to a five-bedroom house, so your own number can be well above or below it.

**Cooling degree days**, the measure used to spread that annual figure across the months, are how far a day's mean temperature sits above 65 F, as the National Weather Service defines them \[[9](https://www.directcoolingfl.com/blog/ac-75-vs-78-fpl-bill#ref-9)\]. NOAA's 1991 to 2020 normals for West Palm Beach International add up to 4,165.5 cooling degree days a year, with 559.5 in July and 564.2 in August \[[10](https://www.directcoolingfl.com/blog/ac-75-vs-78-fpl-bill#ref-10)\]. July and August together carry more than a quarter of the year's cooling degree days.

## Two Published Estimates Per Degree, and Why They Differ

Two published sources give very different answers for one degree on the thermostat. FPL says up to 5 percent of monthly cooling costs per degree above 75 F. A 1996 Florida Solar Energy Center publication says cooling energy falls almost 10 to 15 percent per degree in the Florida climate, citing calculations from 1986. Both are real; they measure different things in different eras.

|  | FPL | Florida Solar Energy Center |
| --- | --- | --- |
| Per-degree figure | Up to 5 percent of monthly cooling costs \[[1](https://www.directcoolingfl.com/blog/ac-75-vs-78-fpl-bill#ref-1)\] | Almost 10 to 15 percent of cooling energy \[[5](https://www.directcoolingfl.com/blog/ac-75-vs-78-fpl-bill#ref-5)\] |
| Starting point | Each degree above 75 F | Each 1 F the thermostat is raised |
| Date | Current FPL page, no date shown | Publication 1996, calculations 1986 |
| Applied to 75 versus 78 | Up to about 15 percent | About 30 to 45 percent, our extrapolation |

FPL's figure is a ceiling, since it says up to, and depends, in FPL's words, on "your home and A/C system." \[[1](https://www.directcoolingfl.com/blog/ac-75-vs-78-fpl-bill#ref-1)\] The FSEC figure rests on calculations published in 1986 \[[5](https://www.directcoolingfl.com/blog/ac-75-vs-78-fpl-bill#ref-5)\]. We found no update of them for today's equipment, so we treat it as an older, upper estimate. Multiplying a per-degree figure by three, as we do in the last row, is our simplification; neither source publishes a three-degree number.

The U.S. Department of Energy offers a third reference point from a different angle. Its Energy Saver Guide says you can save as much as 10 percent a year on heating and cooling by adjusting the thermostat 7 to 10 F for 8 hours a day \[[11](https://www.directcoolingfl.com/blog/ac-75-vs-78-fpl-bill#ref-11)\]. That is a setback while you are away or asleep, not a constant three degrees, but it points the same direction: the savings are real, and they are measured in percent of cooling, not percent of the whole bill.

Our view: use FPL's figure for a modern Florida home, and treat the FSEC figure as the upper bound for an older, leakier one.

**If the system runs constantly and still never reaches the setpoint, that is a service problem, not a thermostat problem. Call or text Direct Cooling at (561) 210-7605, or see our [AC repair](https://www.directcoolingfl.com/ac-repair) page.**

## A Worked Example on the October 2026 FPL Rate

On FPL's October 2026 residential rate, the energy, clause and fuel charges add up to about 12.26 cents per kWh for the first 1,000 kWh and 14.26 cents above that, before taxes, by our arithmetic. For an average Florida home in July, FPL's up-to-15-percent estimate for 75 versus 78 comes to about 84 kWh, or roughly $10 to $12 \[[4](https://www.directcoolingfl.com/blog/ac-75-vs-78-fpl-bill#ref-4)\].

The calculation, so you can swap in your own numbers:

1. Start with annual cooling use. The average Florida home used about 4,190 kWh a year for air conditioning, our arithmetic on the EIA's 2020 survey \[[2](https://www.directcoolingfl.com/blog/ac-75-vs-78-fpl-bill#ref-2)\] \[[3](https://www.directcoolingfl.com/blog/ac-75-vs-78-fpl-bill#ref-3)\].
2. Find July's share. July carries 559.5 of West Palm Beach's 4,165.5 cooling degree days, about 13.4 percent, which puts July cooling at about 563 kWh \[[10](https://www.directcoolingfl.com/blog/ac-75-vs-78-fpl-bill#ref-10)\] \[[12](https://www.directcoolingfl.com/blog/ac-75-vs-78-fpl-bill#ref-12)\]. This assumes cooling use follows the weather, which is our simplification.
3. Apply the per-degree estimate. Up to 15 percent of 563 kWh is about 84 kWh (FPL). At 30 to 45 percent it is about 169 to 253 kWh (FSEC, extrapolated).
4. Price it. FPL's RS-1 rate for October 2026 lists a 7.865 cent base energy charge and a 2.893 cent fuel charge for the first 1,000 kWh, plus conservation, capacity, environmental and storm protection charges and a small transition credit \[[4](https://www.directcoolingfl.com/blog/ac-75-vs-78-fpl-bill#ref-4)\]. Added up, that is about 12.26 cents per kWh, or 14.26 cents above 1,000 kWh, our arithmetic.

| Estimate for 75 versus 78 | July kWh | July cost, before taxes | Full year cost, before taxes |
| --- | --- | --- | --- |
| FPL, up to 5 percent per degree \[[1](https://www.directcoolingfl.com/blog/ac-75-vs-78-fpl-bill#ref-1)\] | About 84 | About $10 to $12 \[[4](https://www.directcoolingfl.com/blog/ac-75-vs-78-fpl-bill#ref-4)\] | About $77 to $90 \[[4](https://www.directcoolingfl.com/blog/ac-75-vs-78-fpl-bill#ref-4)\] |
| FSEC, 10 to 15 percent per degree \[[5](https://www.directcoolingfl.com/blog/ac-75-vs-78-fpl-bill#ref-5)\] | About 169 to 253 | About $21 to $36 \[[4](https://www.directcoolingfl.com/blog/ac-75-vs-78-fpl-bill#ref-4)\] | About $154 to $269 \[[4](https://www.directcoolingfl.com/blog/ac-75-vs-78-fpl-bill#ref-4)\] |

The lower cost in each range uses the 12.26 cent rate and the higher one uses the 14.26 cent rate, which applies to the kWh above 1,000 in a month \[[4](https://www.directcoolingfl.com/blog/ac-75-vs-78-fpl-bill#ref-4)\]. Gross receipts tax and local taxes are extra.

Your home changes the answer more than the estimate does. In Parkland, 67.2 percent of homes were built in 2000 or later and the median year built is 2006, and large homes often have more than one thermostat (see [AC repair and replacement in Parkland](https://www.directcoolingfl.com/ac-repair-parkland-fl)). In ZIP 33496, home to St Andrews Country Club, 16.5 percent of homes have five or more bedrooms, and a house that size may be split between more than one system (see [AC service in St Andrews Country Club](https://www.directcoolingfl.com/ac-repair-st-andrews-country-club-boca-raton-fl)). Two systems held at 75 roughly double the difference. A one-bedroom condo in one of West Boca's older communities sits at the other end: the same percentage applies to a much smaller cooling bill (see [AC repair in West Boca Raton](https://www.directcoolingfl.com/ac-repair-west-boca-raton-fl)).

Interactive

Run the math on your own bill

Checked 0 of 4.

## Why a Single-Stage System May Not Reach 75 on the Hottest Afternoons

A single-stage air conditioner runs at full capacity or not at all, so on a hot afternoon it cannot add cooling it was not built to deliver. When a system will not get below 76, Frank Rey, Direct Cooling's owner, names three usual causes: low refrigerant, a dirty outdoor unit or a clogged air filter. Each one is a repair, not a thermostat setting.

Those are his field observations, not a measured count. Each of the three raises the bill and lowers comfort at the same time, so turning the thermostat down further only makes the system run longer without reaching the number.

Bigger is not the fix. The DOE's Energy Saver Guide says an oversized air conditioner performs less efficiently and effectively than a smaller one sized correctly for the space \[[11](https://www.directcoolingfl.com/blog/ac-75-vs-78-fpl-bill#ref-11)\]. Frank names oversized units as a common cause of the repairs his crews see, and says the biggest mistake he finds from other installers is equipment not set up correctly for Florida's weather.

Two settings change the bill without changing the setpoint. FPL recommends AUTO over ON for the fan, and says that if an air conditioner normally cycles off about 30 percent of the time, "switching from AUTO to ON can add more than 200 extra hours of fan run time each month." \[[1](https://www.directcoolingfl.com/blog/ac-75-vs-78-fpl-bill#ref-1)\] And ENERGY STAR suggests calling a contractor about replacement if your heat pump or air conditioner is more than 10 years old, noting that installed correctly, high-efficiency units "can save up to 20 percent on heating and cooling costs." \[[13](https://www.directcoolingfl.com/blog/ac-75-vs-78-fpl-bill#ref-13)\]

Regular [AC maintenance](https://www.directcoolingfl.com/ac-maintenance) covers the first three causes. If the system is past ten years, our [AC replacement](https://www.directcoolingfl.com/ac-replacement) page explains the options, and our guide to [Florida AC rebates in 2026](https://www.directcoolingfl.com/blog/florida-ac-rebates-2026) covers what is left after the federal tax credit ended.

## What the Approved FPL Rate Plan Means for 2027

The Florida Public Service Commission approved a four-year FPL rate plan on November 20, 2025, running from January 1, 2026 through December 31, 2029. It raised rates to generate $945 million more a year from January 2026, and adds a second step in January 2027 \[[6](https://www.directcoolingfl.com/blog/ac-75-vs-78-fpl-bill#ref-6)\]. The per-kWh prices in this guide will change then.

The Commission's release states the second step plainly: "An additional increase to generate $705 million annually will take effect January 1, 2027." \[[6](https://www.directcoolingfl.com/blog/ac-75-vs-78-fpl-bill#ref-6)\] For 2026, the release put the typical peninsular Florida residential bill at $136.64 for 1,000 kWh, including fuel, cost-recovery clauses and gross receipts tax \[[6](https://www.directcoolingfl.com/blog/ac-75-vs-78-fpl-bill#ref-6)\].

The release gives the revenue increase, not a 2027 price per kWh, so we cannot publish a 2027 version of the table yet. When FPL publishes its January 2027 rate sheet, the method above stays the same: add the energy, clause and fuel charges, then multiply by the kWh difference.

This guide reflects the rules and programs as read on the publish date. Check back if an agency page changes. The direction is already set: a higher price per kWh makes every degree on the thermostat cost a little more in 2027 than it does on the October 2026 rate \[[4](https://www.directcoolingfl.com/blog/ac-75-vs-78-fpl-bill#ref-4)\] \[[6](https://www.directcoolingfl.com/blog/ac-75-vs-78-fpl-bill#ref-6)\].

Ask Direct Cooling

## Questions About AC Settings and FPL Bills

**Direct Cooling** FL Certified AC Contractor CAC1819111 Dispatch 24/7

Hi, this is Direct Cooling. Tap a question below for a straight answer.

Tap a question to ask

Not on the list? [Browse every answered question](https://www.directcoolingfl.com/faq), or [Text us](sms:+15612107605) [(561) 210-7605](tel:+15612107605)

**How much does AC add to your electric bill?**

In Florida, air conditioning is about 30 percent of household electricity, or about 35 percent with the air handler fans used for cooling, by our arithmetic on the EIA's 2020 survey. Nationally the EIA puts it at about 19 percent. In a summer month your share is higher than the yearly average, because July and August carry the most cooling degree days.

**Why is my electric bill so high in Florida?**

Florida homes use more electricity than the U.S. average, 1,104 kWh a month against 863 in 2024, and a larger share goes to cooling. On FPL's rate, kWh above 1,000 in a month cost more than the first 1,000, so a summer bill climbs faster than the thermostat suggests.

**How much does it cost to run an AC for 12 hours a day?**

It depends on the system's size and efficiency, and we found no single published figure that covers Florida homes. The method in our worked example works for any amount: take the system's kWh, then multiply by about 12.26 cents per kWh on FPL's October 2026 rate, before taxes, or 14.26 cents above 1,000 kWh in a month.

## The Short Answer for Your Thermostat

Running at 75 instead of 78 costs an average Florida home roughly $10 to $12 more in July on FPL's own estimate and current rate, before taxes \[[4](https://www.directcoolingfl.com/blog/ac-75-vs-78-fpl-bill#ref-4)\]. On the older FSEC estimate it is closer to $21 to $36 \[[4](https://www.directcoolingfl.com/blog/ac-75-vs-78-fpl-bill#ref-4)\] \[[5](https://www.directcoolingfl.com/blog/ac-75-vs-78-fpl-bill#ref-5)\]. On FPL's estimate that is under about 5 percent of the whole bill; on the FSEC estimate it is closer to 9 to 14 percent, our arithmetic on a 30 percent cooling share \[[2](https://www.directcoolingfl.com/blog/ac-75-vs-78-fpl-bill#ref-2)\] \[[3](https://www.directcoolingfl.com/blog/ac-75-vs-78-fpl-bill#ref-3)\].

Comfort is worth something, and only you can price it. What you should not pay for is a system that runs all afternoon because of a dirty coil, a clogged filter or low refrigerant. That is a repair, and it costs money at every setpoint.

Direct Cooling is a Florida Certified Air Conditioning Contractor, license CAC1819111. If your system cannot hold the temperature you set, call or text (561) 210-7605.

## References

1. FPL. *Ask the Energy Expert: ON or AUTO, Which A/C Setting Is Best?* No date shown. [fpl.com/blog/ask-the-expert/ac-settings.html](https://www.fpl.com/blog/ask-the-expert/ac-settings.html)
2. U.S. Energy Information Administration. *Residential Energy Consumption Survey 2020, table CE5.1.ST, household site electricity end-use consumption by state*. Released June 2023. [eia.gov/consumption/residential/data/2020/state/pdf/ce5.1.st.pdf](https://www.eia.gov/consumption/residential/data/2020/state/pdf/ce5.1.st.pdf)
3. U.S. Energy Information Administration. *Residential Energy Consumption Survey 2020, table CE2.1.ST, household site end-use consumption by state*. Released June 2023. [eia.gov/consumption/residential/data/2020/state/pdf/ce2.1.st.pdf](https://www.eia.gov/consumption/residential/data/2020/state/pdf/ce2.1.st.pdf)
4. FPL. *Residential Rates and Clauses, effective October 2026*. Effective October 2026. [fpl.com/content/dam/fplgp/us/en/rates/pdf/residential-rates-oct2026.pd...](https://www.fpl.com/content/dam/fplgp/us/en/rates/pdf/residential-rates-oct2026.pdf)
5. Florida Solar Energy Center. *Influence of Ceiling Fan Operation on Thermostat Setting and Energy Use, FSEC-PF-306-96*. 1996, citing 1986 calculations. [publications.energyresearch.ucf.edu/wp-content/uploads/2018/06/FSEC-PF...](https://publications.energyresearch.ucf.edu/wp-content/uploads/2018/06/FSEC-PF-306-96.pdf)
6. Florida Public Service Commission. *FPSC Approves Plan Reducing FPL's Initial Rate Request and Enabling Reliability Investments*. November 20, 2025. [floridapsc.com/news-links/12299](https://www.floridapsc.com/news-links/12299)
7. U.S. Energy Information Administration. *How much electricity is used for air conditioning in the United States?* FAQ 1174. [eia.gov/tools/faqs/faq.php?id=1174&t=1](https://www.eia.gov/tools/faqs/faq.php?id=1174&t=1)
8. U.S. Energy Information Administration. *Electric Sales, Revenue, and Average Price, Table 5A (2024)*. 2024 data. [eia.gov/electricity/sales\_revenue\_price/pdf/table\_5A.pdf](https://www.eia.gov/electricity/sales_revenue_price/pdf/table_5A.pdf)
9. National Weather Service. *What are heating and cooling degree days?* No date shown. [weather.gov/key/climate\_heat\_cool](https://www.weather.gov/key/climate_heat_cool)
10. NOAA National Centers for Environmental Information. *1991-2020 annual climate normals, West Palm Beach International (USW00012844), cooling and heating degree days*. 1991-2020 normals. [ncei.noaa.gov/access/services/data/v1?dataset=normals-annualseasonal-1...](https://www.ncei.noaa.gov/access/services/data/v1?dataset=normals-annualseasonal-1991-2020&stations=USW00012844&dataTypes=ANN-CLDD-NORMAL,ANN-HTDD-NORMAL&format=json)
11. U.S. Department of Energy. *Energy Saver Guide*. August 2022. [energy.gov/sites/default/files/2022-08/energy-saver-guide-2022.pdf](https://www.energy.gov/sites/default/files/2022-08/energy-saver-guide-2022.pdf)
12. NOAA National Centers for Environmental Information. *1991-2020 monthly climate normals, West Palm Beach International (USW00012844), cooling degree days*. 1991-2020 normals. [ncei.noaa.gov/access/services/data/v1?dataset=normals-monthly-1991-202...](https://www.ncei.noaa.gov/access/services/data/v1?dataset=normals-monthly-1991-2020&stations=USW00012844&dataTypes=MLY-CLDD-NORMAL&format=json)
13. ENERGY STAR. *When Is It Time to Replace?* No date shown. [energystar.gov/saveathome/heating-cooling/replace](https://www.energystar.gov/saveathome/heating-cooling/replace)

Written by

[Direct Cooling](https://www.directcoolingfl.com/authors/direct-cooling)

The Direct Cooling team in Boca Raton, Florida certified air conditioning contractor license CAC1819111, writing from what our technicians see on South Florida service calls.

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