{
 "utility": "Three Rivers Electric Coop",
 "utility_legal_name": "Three Rivers Electric Coop",
 "eia_id": 16751,
 "state": "MO",
 "state_name": "Missouri",
 "url": "https://meterwise.app/mo/three-rivers-electric-coop/heat-pump-vs-furnace/",
 "markdown_url": "https://meterwise.app/mo/three-rivers-electric-coop/heat-pump-vs-furnace/index.md",
 "json_url": "https://meterwise.app/data/v1/utilities/mo/three-rivers-electric-coop.json",
 "json_path": "data/v1/utilities/mo/three-rivers-electric-coop.json",
 "updated": "2026-11-10",
 "zip_codes_served": 48,
 "quick_answer": "As of November 2026, for a typical 1,800 sq ft electrically heated home on Three Rivers Electric Coop electricity rates in Missouri that needs a new furnace and AC: A heat pump comes out ahead here even with a high quote: about $11,400 less than a new furnace and AC over 15 years at typical prices, and $820 a year less to run.",
 "verdict": "heat pump ahead at any quote",
 "verdict_code": "always",
 "assumptions": {
  "floor_area_sqft": 1800,
  "insulation": "average",
  "scenario": "furnace and AC both need replacing",
  "heating_fuel": "electric",
  "lifetime_years": 15
 },
 "electricity": {
  "price_per_kwh_typical_bill": 0.1247,
  "winter_extra_kwh_price": 0.0931,
  "state_average_per_kwh": 0.1388,
  "vs_state_average_pct": -10,
  "source": "utility average price (EIA)",
  "tariff": null,
  "tariff_effective": null,
  "note": "Electricity: Three Rivers Electric Coop's average residential price in MO (EIA), $0.125/kWh; the winter price of extra kWh is estimated at $0.093/kWh. Enter your own rate for a closer answer."
 },
 "climate": {
  "station": "Vienna 2 Wnw",
  "heating_degree_days": 4272,
  "cooling_degree_days": 1607,
  "normals": "NOAA 1991-2020"
 },
 "heating_fuel": {
  "default": "electric",
  "price_per_therm_gas": 1.458,
  "local_mix": {
   "electric": 0.559,
   "gas": 0.204,
   "oil": 0.004,
   "other": 0.085,
   "propane": 0.148
  }
 },
 "heat_pump": {
  "option": "Heat pump (replaces both)",
  "annual_saving_vs_like_for_like": 823,
  "break_even_quote_gap": 12348
 },
 "options": [
  {
   "id": "like",
   "option": "New electric furnace + new AC",
   "installed_typical": 10406,
   "installed_low": 7532,
   "installed_high": 13478,
   "rebates": 0,
   "energy_cost_per_year": 1373,
   "electricity_kwh_per_year": 13580,
   "fuel_per_year": null,
   "total_15_years": 31008
  },
  {
   "id": "hp",
   "option": "Heat pump (replaces both)",
   "installed_typical": 11397,
   "installed_low": 7928,
   "installed_high": 14865,
   "rebates": 0,
   "energy_cost_per_year": 550,
   "electricity_kwh_per_year": 5245,
   "fuel_per_year": null,
   "total_15_years": 19651
  },
  {
   "id": "hp_cold",
   "option": "High-efficiency cold-climate heat pump",
   "installed_typical": 14865,
   "installed_low": 10901,
   "installed_high": 19820,
   "rebates": 0,
   "energy_cost_per_year": 429,
   "electricity_kwh_per_year": 4116,
   "fuel_per_year": null,
   "total_15_years": 21305
  }
 ],
 "rebates_checked": false,
 "rebate_programs": [],
 "license": "https://creativecommons.org/licenses/by/4.0/",
 "citation": "MeterWise, \"Heat pump vs. electric furnace and AC on Three Rivers Electric Coop rates (MO)\", updated 2026-11-10, https://meterwise.app/mo/three-rivers-electric-coop/heat-pump-vs-furnace/"
}