{
 "utility": "Central Hudson Gas & Electric",
 "utility_legal_name": "Central Hudson Gas & Elec Corp",
 "eia_id": 3249,
 "state": "NY",
 "state_name": "New York",
 "url": "https://meterwise.app/ny/central-hudson-gas-and-electric/heat-pump-vs-furnace/",
 "markdown_url": "https://meterwise.app/ny/central-hudson-gas-and-electric/heat-pump-vs-furnace/index.md",
 "json_url": "https://meterwise.app/data/v1/utilities/ny/central-hudson-gas-and-electric.json",
 "json_path": "data/v1/utilities/ny/central-hudson-gas-and-electric.json",
 "updated": "2026-11-10",
 "zip_codes_served": 195,
 "quick_answer": "As of November 2026, for a typical 1,800 sq ft heating oil-heated home on Central Hudson Gas & Electric electricity rates in New York that needs a new furnace and AC: A high-efficiency cold-climate heat pump comes out ahead here even with a high quote: about $33,200 less than a new furnace and AC over 15 years at typical prices, and $2,330 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": "oil",
  "lifetime_years": 15
 },
 "electricity": {
  "price_per_kwh_typical_bill": 0.2514,
  "winter_extra_kwh_price": 0.2282,
  "state_average_per_kwh": 0.2853,
  "vs_state_average_pct": -12,
  "source": "utility average price (EIA)",
  "tariff": null,
  "tariff_effective": null,
  "note": "Electricity: Central Hudson Gas & Electric's average residential price in NY (EIA), $0.251/kWh; the winter price of extra kWh is estimated at $0.228/kWh. Enter your own rate for a closer answer."
 },
 "climate": {
  "station": "Rhinebeck 4se",
  "heating_degree_days": 6718,
  "cooling_degree_days": 550,
  "normals": "NOAA 1991-2020"
 },
 "heating_fuel": {
  "default": "oil",
  "price_per_therm_gas": 1.646,
  "local_mix": {
   "electric": 0.159,
   "gas": 0.277,
   "oil": 0.42,
   "other": 0.051,
   "propane": 0.094
  }
 },
 "heat_pump": {
  "option": "High-efficiency cold-climate heat pump",
  "annual_saving_vs_like_for_like": 2326,
  "break_even_quote_gap": 34897
 },
 "options": [
  {
   "id": "like",
   "option": "New oil furnace + new AC",
   "installed_typical": 14985,
   "installed_low": 10212,
   "installed_high": 18426,
   "rebates": 0,
   "energy_cost_per_year": 3613,
   "electricity_kwh_per_year": 1357,
   "fuel_per_year": "518 gallons",
   "total_15_years": 69175
  },
  {
   "id": "hp",
   "option": "Heat pump (replaces both)",
   "installed_typical": 12765,
   "installed_low": 8880,
   "installed_high": 16650,
   "rebates": 0,
   "energy_cost_per_year": 1743,
   "electricity_kwh_per_year": 7462,
   "fuel_per_year": null,
   "total_15_years": 38906
  },
  {
   "id": "hp_cold",
   "option": "High-efficiency cold-climate heat pump",
   "installed_typical": 16650,
   "installed_low": 12210,
   "installed_high": 22200,
   "rebates": 0,
   "energy_cost_per_year": 1286,
   "electricity_kwh_per_year": 5496,
   "fuel_per_year": null,
   "total_15_years": 35943
  }
 ],
 "rebates_checked": false,
 "rebate_programs": [],
 "license": "https://creativecommons.org/licenses/by/4.0/",
 "citation": "MeterWise, \"Heat pump vs. oil furnace and AC on Central Hudson Gas & Electric rates (NY)\", updated 2026-11-10, https://meterwise.app/ny/central-hudson-gas-and-electric/heat-pump-vs-furnace/"
}