Insulation Savings Calculator

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https://cellulose.org/Cellulose-Insulation-2nd.php?pagename=CalculateSavings&dirname=HomeOwners

Going from R19 to R21 saves $21 per year in heating costs, so payback is expected in 10 years. Financial case for payback is poor in the short term (10 years or less).

Here is another one that includes cooling - [1]

See also cooling degree days map - [2]

Heating degree days map - [3]

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