Spring is in full bloom, and the summer heat is on the horizon. That means your air conditioning unit is about to become your best friend, and possibly your biggest energy expense.

If you’ve ever opened your utility bill and winced at the numbers during the summer, you’re not alone. The good news? There’s a smarter way to stay cool without breaking the bank.

By finding the sweet spot between indoor comfort and energy efficiency, you can enjoy a cool home while keeping your wallet happy.

Let’s break it down.

Factors That Can Affect AC Temperature

Before we get into the best thermostat settings, it’s important to understand that not every home or region is the same. The optimal temperature for one house might feel too warm—or too cold—for another.

 

Contractor adjusting wall insulation.

 

Here are a few key factors that affect your AC performance:

  • Climate and Humidity: Hotter, more humid climates typically make your AC work harder. In these areas, you may be tempted to lower the thermostat more than necessary.
  • Home Insulation: Older homes or poorly insulated spaces lose cool air faster, which means your AC runs longer to maintain temperature.
  • Daily Habits: How often you're home, when you cook, and how you use your electronics all affect indoor heat and cooling needs.

The goal is simple: keep your home comfortably cool without overworking your AC, and your bank account.

Best Thermostat Temperature While You're at Home

According to the U.S. Department of Energy, the magic number for energy-efficient comfort is 78°F when you’re at home and awake.

Yes, it might sound a bit toasty if you’re used to cooler temps, but your utility bill will thank you.

Why 78°F?

Consumer Reports noted that for every degree you raise your thermostat, you could save up to 3% on cooling costs. That’s a small change with big impact over the course of a season.

To stay comfortable at 78°F:

  • Use ceiling fans to circulate air.
  • Keep blinds or curtains closed during peak sunlight hours.
  • Open windows in the early morning or late evening to let in cooler air.

These small habits can help make your home feel cooler without cranking down the AC.

Best Thermostat Temperature While You’re Away

When the house is empty, there’s no need to keep it as cool. That’s where the real savings happen.

Experts recommend setting your thermostat to 82°F–85°F while you’re away. This helps conserve energy without making your AC work too hard when you return.

Pro tip: If you have a smart thermostat, program it to automatically adjust throughout the day. It can raise the temp when you leave for work and cool things down before you return.

That way, you stay comfortable and efficient, without having to lift a finger.

Additional Ways to Save on Cooling Costs

While thermostat settings are important, there are a few other tricks that can help you keep cool and save money:

  • Seal cracks around windows and doors to prevent cold air from escaping.
  • Cook outdoors or use a microwave instead of the oven.
  • Change your air filters regularly.

  • Schedule annual maintenance to catch issues before they become costly repairs.

     

Man applying seal around window.

 

Every bit counts when it comes to beating the heat affordably.

Protect Your AC and Your Budget

Of course, even the best-maintained systems can run into trouble. That’s where America’s Preferred Home Warranty (APHW) comes in.

With coverage that supports your budget and peace of mind, you’re not alone if your AC needs repair or replacement.

Final Thoughts

Staying cool doesn’t have to mean spending more.

By setting your thermostat to 78°F when you're home and a few degrees higher when you're away, you can take real control of your utility bill this summer.

Throw in a few smart habits and a reliable home warranty, and you’ve got a recipe for comfort, savings, and peace of mind.