{
 "utility": "Missoula Electric Coop, Inc",
 "utility_legal_name": "Missoula Electric Coop, Inc",
 "eia_id": 12692,
 "state": "MT",
 "state_name": "Montana",
 "url": "https://meterwise.app/mt/missoula-electric-coop-inc/heat-pump-vs-furnace/",
 "markdown_url": "https://meterwise.app/mt/missoula-electric-coop-inc/heat-pump-vs-furnace/index.md",
 "json_url": "https://meterwise.app/data/v1/utilities/mt/missoula-electric-coop-inc.json",
 "json_path": "data/v1/utilities/mt/missoula-electric-coop-inc.json",
 "updated": "2026-11-10",
 "zip_codes_served": 34,
 "quick_answer": "As of November 2026, for a typical 1,800 sq ft gas-heated home on Missoula Electric Coop, Inc electricity rates in Montana that needs a new furnace and AC: It depends on your quotes. A heat pump saves about $60 a year to run, so it comes out ahead over 15 years if its quote is no more than $900 above the quote for a new furnace and AC.",
 "verdict": "depends on quotes",
 "verdict_code": "depends",
 "assumptions": {
  "floor_area_sqft": 1800,
  "insulation": "average",
  "scenario": "furnace and AC both need replacing",
  "heating_fuel": "gas",
  "lifetime_years": 15
 },
 "electricity": {
  "price_per_kwh_typical_bill": 0.105,
  "winter_extra_kwh_price": 0.0771,
  "state_average_per_kwh": 0.1404,
  "vs_state_average_pct": -25,
  "source": "utility average price (EIA)",
  "tariff": null,
  "tariff_effective": null,
  "note": "Electricity: Missoula Electric Coop, Inc's average residential price in MT (EIA), $0.105/kWh; the winter price of extra kWh is estimated at $0.077/kWh. Enter your own rate for a closer answer."
 },
 "climate": {
  "station": "Missoula 2 Ne",
  "heating_degree_days": 7183,
  "cooling_degree_days": 340,
  "normals": "NOAA 1991-2020"
 },
 "heating_fuel": {
  "default": "gas",
  "price_per_therm_gas": 0.847,
  "local_mix": {
   "electric": 0.347,
   "gas": 0.409,
   "oil": 0.012,
   "other": 0.108,
   "propane": 0.124
  }
 },
 "heat_pump": {
  "option": "Heat pump (replaces both)",
  "annual_saving_vs_like_for_like": 60,
  "break_even_quote_gap": 895
 },
 "options": [
  {
   "id": "like",
   "option": "New gas furnace + new AC",
   "installed_typical": 11489,
   "installed_low": 8991,
   "installed_high": 13986,
   "rebates": 0,
   "energy_cost_per_year": 689,
   "electricity_kwh_per_year": 1182,
   "fuel_per_year": "686 therms",
   "total_15_years": 21821
  },
  {
   "id": "hp",
   "option": "Heat pump (replaces both)",
   "installed_typical": 11489,
   "installed_low": 7992,
   "installed_high": 14985,
   "rebates": 0,
   "energy_cost_per_year": 629,
   "electricity_kwh_per_year": 7453,
   "fuel_per_year": null,
   "total_15_years": 20926
  },
  {
   "id": "hp_cold",
   "option": "High-efficiency cold-climate heat pump",
   "installed_typical": 14985,
   "installed_low": 10989,
   "installed_high": 19980,
   "rebates": 0,
   "energy_cost_per_year": 480,
   "electricity_kwh_per_year": 5641,
   "fuel_per_year": null,
   "total_15_years": 22181
  }
 ],
 "rebates_checked": false,
 "rebate_programs": [],
 "license": "https://creativecommons.org/licenses/by/4.0/",
 "citation": "MeterWise, \"Heat pump vs. gas furnace and AC on Missoula Electric Coop, Inc rates (MT)\", updated 2026-11-10, https://meterwise.app/mt/missoula-electric-coop-inc/heat-pump-vs-furnace/"
}