{
 "utility": "USBIA-Mission Valley Power",
 "utility_legal_name": "USBIA-Mission Valley Power",
 "eia_id": 19603,
 "state": "MT",
 "state_name": "Montana",
 "url": "https://meterwise.app/mt/usbia-mission-valley-power/heat-pump-vs-furnace/",
 "markdown_url": "https://meterwise.app/mt/usbia-mission-valley-power/heat-pump-vs-furnace/index.md",
 "json_url": "https://meterwise.app/data/v1/utilities/mt/usbia-mission-valley-power.json",
 "json_path": "data/v1/utilities/mt/usbia-mission-valley-power.json",
 "updated": "2026-11-10",
 "zip_codes_served": 27,
 "quick_answer": "As of November 2026, for a typical 1,800 sq ft gas-heated home on USBIA-Mission Valley Power electricity rates in Montana that needs a new furnace and AC: It depends on your quotes. A heat pump saves about $110 a year to run, so it comes out ahead over 15 years if its quote is no more than $1,700 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": 0.0891,
  "winter_extra_kwh_price": 0.0757,
  "state_average_per_kwh": 0.1404,
  "vs_state_average_pct": -37,
  "source": "utility average price (EIA)",
  "tariff": null,
  "tariff_effective": null,
  "note": "Electricity: USBIA-Mission Valley Power's average residential price in MT (EIA), $0.089/kWh; the winter price of extra kWh is estimated at $0.076/kWh. Enter your own rate for a closer answer."
 },
 "climate": {
  "station": "Saint Ignatius HCN",
  "heating_degree_days": 6655,
  "cooling_degree_days": 360,
  "normals": "NOAA 1991-2020"
 },
 "heating_fuel": {
  "default": "gas",
  "price_per_therm_gas": 0.847,
  "local_mix": {
   "electric": 0.409,
   "gas": 0.281,
   "oil": 0.019,
   "other": 0.139,
   "propane": 0.153
  }
 },
 "heat_pump": {
  "option": "Heat pump (replaces both)",
  "annual_saving_vs_like_for_like": 112,
  "break_even_quote_gap": 1677
 },
 "options": [
  {
   "id": "like",
   "option": "New gas furnace + new AC",
   "installed_typical": 11489,
   "installed_low": 8991,
   "installed_high": 13986,
   "rebates": 0,
   "energy_cost_per_year": 633,
   "electricity_kwh_per_year": 1145,
   "fuel_per_year": "635 therms",
   "total_15_years": 20981
  },
  {
   "id": "hp",
   "option": "Heat pump (replaces both)",
   "installed_typical": 11489,
   "installed_low": 7992,
   "installed_high": 14985,
   "rebates": 0,
   "energy_cost_per_year": 521,
   "electricity_kwh_per_year": 6568,
   "fuel_per_year": null,
   "total_15_years": 19305
  },
  {
   "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": 411,
   "electricity_kwh_per_year": 5174,
   "fuel_per_year": null,
   "total_15_years": 21154
  }
 ],
 "rebates_checked": false,
 "rebate_programs": [],
 "license": "https://creativecommons.org/licenses/by/4.0/",
 "citation": "MeterWise, \"Heat pump vs. gas furnace and AC on USBIA-Mission Valley Power rates (MT)\", updated 2026-11-10, https://meterwise.app/mt/usbia-mission-valley-power/heat-pump-vs-furnace/"
}