Audience guide
PA electricity plans for homeowners
Longer terms, rate stability, and protection against quarterly default rate increases — plans designed for households not planning to move.
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Written by John Spencer
Updated May 2026
Free comparison · No credit check required · 886 plans from PA suppliers
Why homeowners benefit from longer electricity terms
Homeowners typically stay in one place longer than renters, which changes the math on electricity plan selection. Longer fixed-rate terms (12-24 months) lock in rates against Pennsylvania's quarterly default rate increases — protection that's most valuable when the household isn't planning to move.
- Rate protection through an entire year — PA utility default rates (Price to Compare) adjust quarterly; fixed-rate plans don't
- 2025-2026 PJM capacity auction increases — default rates are rising significantly; locked rates shield against these increases
- Budget predictability — knowing your per-kWh rate helps with annual household budgeting
- Less frequent shopping — 12-24 month terms mean comparing rates once a year rather than every few months
The trade-off for longer terms: higher early termination fees if circumstances change, and you can't capture rate drops mid-contract. For most homeowners not planning to move, the rate stability outweighs these risks.
Why rates are rising in 2025-2026
The PJM capacity auction for 2025/2026 cleared at significantly higher prices than previous years, driven by power plant retirements and data center demand growth. These costs flow into utility default rates (Price to Compare). Locking in a competitive fixed rate now provides protection against these increases.
Learn more about the PJM auctionHow switching works
Same straightforward process regardless of term length.
Enter your ZIP code
We'll show suppliers and plans available in your specific utility territory.
Compare 12+ month fixed-rate plans
Focus on the lowest per-kWh rate with a term that matches your planning horizon.
Enroll with your utility account number
Found on your monthly bill. Switch completes in 1-2 billing cycles. Your utility handles everything.
No service interruption. Same reliability. Just a better rate for longer.
Who these plans work for
Long-term homeowners
No plans to sell in the next 1-2 years. Longer terms provide maximum rate protection when you know you're staying.
Recently purchased homes
Just bought? Lock in rates early. Most new homeowners stay at least a few years, making 12-24 month plans a good fit.
Predictable usage households
No upcoming major changes (new EV, pool installation, home office build-out). Stable usage makes fixed rates straightforward to budget.
Households concerned about rising rates
With PJM auction increases driving utility default rate hikes, fixed-rate plans offer protection against the trend.
Older homes with higher seasonal variation
Older homes often have less insulation, meaning higher summer and winter usage. Locking in a rate helps with budget planning even as usage fluctuates seasonally.
Two term-length options
Both provide rate protection — the difference is duration.
12-month fixed rate
Protection through one full annual cycle
- Covers all four seasons of usage
- Annual shopping cadence — manageable
- Moderate ETFs ($50-$100 typical)
- Good balance of protection and flexibility
24-month fixed rate
Longer protection, set-and-forget approach
- Maximum protection against rate increases
- Shop less frequently (every 2 years)
- Higher ETFs if circumstances change
- Best in rising-rate environments
Homeowner-friendly plans available now (May 2026)
Plans below are filtered for homeowners: fixed rates only, terms of 12 months or longer for rate stability, and sorted by rate. Longer terms provide more protection.
Public Power, LLC
With a fixed rate from Public Power, you'll get the peace of mind knowing your rate stays the same for 18 months. Special offer for new, online customers.
Available in PECO Energy Co territory
Public Power, LLC
With a fixed rate from Public Power, you'll get the peace of mind knowing your rate stays the same for 12 months. Special offer for new, online customers.
Available in PECO Energy Co territory
Clearview Energy
ClearGuarantee12Plus: 12 Month fixed rate term with a $19.99 base fee. For more details on this product, please call us at 1-888-512-8994 or visit us at www.clearviewenergy.com.
Available in PECO Energy Co territory
Pennsylvania Gas & Electric
Get peace of mind with a fixed rate for 18 months - plus, $50 in Reward Dollars every month once your account's active. Special offer for new, online customers.
Available in PECO Energy Co territory
Atlantic Energy MD LLC
Experience peace of mind with our Secure Choice plan. Lock in a fixed rate. No monthly base fee!
Available in PECO Energy Co territory
Public Power, LLC
With a fixed rate from Public Power, you'll get the peace of mind knowing your rate stays the same for 24 months. Special offer for new, online customers.
Available in PECO Energy Co territory
485 of 886 PA plans match these criteria.
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Plans vary by ZIP code. Enter yours to see long-term options for your utility.
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What to verify before enrolling
Set a calendar reminder 30 days before term-end
The most common mistake: letting a fixed-rate plan expire without action. Most plans roll to high variable rates at term-end. A reminder lets you shop and avoid the rate jump.
Check auto-renewal clause language
Some plans auto-renew at a different rate; others roll to variable. The Plan Information Document (PID) specifies what happens at term-end. Know before you sign.
Note the ETF amount for longer-term plans
Longer terms often have higher early termination fees ($100-200 for 24-month plans is common). If there's any chance you'll sell the house, factor this into your term-length decision.
Verify the supplier serves your territory permanently
Smaller suppliers occasionally exit markets. The major suppliers (Constellation, Direct Energy, etc.) are stable. If choosing a smaller supplier, research their market history.
Frequently asked questions
Why should homeowners choose longer-term electricity plans?
Longer fixed-rate terms (12-24 months) lock in rates against Pennsylvania's quarterly default rate adjustments. With the 2025 PJM capacity auction driving significant increases to utility default rates, homeowners who aren't planning to move benefit from the rate protection that longer terms provide.
How do I prepare for my term to end so I don't get a rate increase?
Set a calendar reminder 30-60 days before your contract end date. When the reminder triggers, compare current plans and either renew with your existing supplier or switch to a new one. Without action, most plans roll to a month-to-month variable rate that's typically higher than both your locked rate and current market fixed rates.
Is a 24-month plan worth the longer commitment?
It depends on rate trends and your situation. In rising-rate environments (like 2025-2026 with PJM increases), 24-month plans provide longer protection. However, if rates drop, you're locked in higher. The trade-off: more rate security vs. less flexibility. Most homeowners find 12-month plans strike a good balance.
What happens to my electricity plan if I sell my house?
When you sell, you'll cancel service at that address. If your plan has an early termination fee, it applies (typically $50-200 for longer-term plans). The plans listed on this page include ETF information. Some suppliers waive ETFs for home sales — check the Plan Information Document for your specific plan's terms.
Should I shop electricity rates the same way I shop insurance?
Similar principle: periodic comparison ensures you're not overpaying. Unlike insurance (renewed annually), electricity plans can be any length. The best practice is setting a recurring reminder before each term ends. Shopping once a year (or every 6 months for shorter plans) takes 10-15 minutes and can save $100-300 annually.
About this page
Volt Butler is an independent comparison site for Pennsylvania electricity. We may earn a commission when you switch through our links. Plan data refreshes weekly from PA Power Switch. Supplier license status verified against PA Public Utility Commission records.
Plans are filtered for homeowner-friendly criteria: fixed rates only, terms of 12 months or longer, early termination fees of $200 or less (or none), and sorted by rate with no paid placements. Read our methodology and affiliate disclosure.
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485 long-term plans · 886 total PA plans · Updated May 2026