Katy Electricity Rates, Explained
Just want the cheapest plan? This guide explains how Katy electricity rates actually work. To rank today’s live plans by your real usage, use the Katy rate comparison tool →
Last updated: October 18, 2026 · 7 min read
Katy is one of the fastest-growing suburbs in the Houston metro, straddling Harris, Fort Bend, and Waller Counties. Its housing stock spans a wide range — from established 1990s subdivisions in east Katy to massive new master-planned communities like Cinco Ranch, Cane Island, and Elyson in the west — and usage varies significantly between them. All of Katy's major residential ZIPs are within CenterPoint Energy's deregulated service territory, giving every household access to the competitive electricity market.
The short answer
Katy ZIP codes 77449, 77450, and 77494 are primarily CenterPoint Energy territory — fully deregulated. Fixed-rate plans as of May 2026 typically advertise 9.5–13.5¢/kWh at 1,000 kWh. Katy summer usage ranges from 1,200 kWh (smaller older homes) to 2,000 kWh (large Cinco Ranch estates), making your home size the most important factor in plan selection. Enter your ZIP and bedroom count to see the true cost at your usage level.
Which TDU Serves Katy — and Why It Gets Complicated
The majority of Katy's residential addresses are served by CenterPoint Energy for transmission and distribution. However, because Katy spans three counties and has grown rapidly westward into previously rural areas, a small minority of Katy-area addresses fall outside CenterPoint's franchise territory. Some far-west addresses near Brookshire and the Waller County line may be served by AEP Texas or a rural electric cooperative.
The simplest way to confirm your TDU is to enter your ZIP code on Power to Choose (powertochoose.org) or the search tool. If competitive plans appear, you are in the deregulated market. If no plans appear, your address is likely in a co-op or municipal utility service area that does not participate in retail competition.
Katy ZIP Code Breakdown — East to West
| ZIP | Area | Housing Character | Typical TDU |
|---|---|---|---|
| 77449 | Central / East Katy | 1990s–2010s, 1,500–2,500 sq ft | CenterPoint |
| 77450 | Old Katy / downtown area | Older stock, commercial mix | CenterPoint |
| 77494 | Cinco Ranch, Cane Island, Elyson | 2000s–2020s, 2,000–4,500 sq ft | CenterPoint (majority) |
A Texas example
The Rodriguez family lives in Cinco Ranch (77494) in a 3,100 sq ft home with a pool and uses 2,050 kWh in August. Their plan was advertised at 10.2¢/kWh. Estimated bill at 1,000 kWh: ~$102. Actual August bill: $258.76. The plan's effective rate at 2,050 kWh — including a $9.95 base charge and CenterPoint TDSP of ~$27 — was closer to 12.6¢ all-in per kWh. The 10.2¢ figure described a usage level 52% below their actual August consumption.
How Katy's Growth Affects Electricity Shopping
Katy's westward expansion has been relentless. Communities like Elyson (Newland), Cane Island (KHovnanian), and Jubilee are still actively building homes, adding thousands of new electricity customers annually. New homes enter the deregulated market immediately upon connection to CenterPoint's distribution network. REPs actively market to new Katy residents — through builders, mailers, and door-to-door representatives.
The important thing to know: the plan a builder recommends or includes in your closing packet is not necessarily the most affordable option. Builders often have referral arrangements with specific providers. The right move is to treat any suggested plan as a starting point, verify it on Power to Choose, and compare it against at least three alternatives using the True Cost Calculator at your estimated usage level.
The math
Katy home, August, 1,700 kWh. Plan A: 11.0¢/kWh at 1,000 kWh, 9.5¢ at 2,000 kWh — interpolated rate at 1,700 kWh: 9.95¢, energy charge $169.15. Plan B: 10.5¢ flat at 1,000 kWh and 2,000 kWh — energy charge $178.50. Plan A saves $9.35/month in August despite having a higher advertised rate. Over the five hottest months of a Katy summer, that is roughly $47 left in your pocket — from a plan that appeared more expensive on the listing page.
Watch out
I-10 West corridor and the Katy Mills area attract electricity salespeople at community events, home shows, and community center booths. Any plan signed at a booth or community event comes with Texas's 3-day right of rescission — you can cancel within 3 business days with no penalty. Use it if you later find a better plan. Never sign anything without reading the EFL first.
Smart move
If you are moving into a new Katy home, your builder's energy coordinator typically quotes one plan. Before accepting it, spend 10 minutes on the ZIP search tool using your new home's ZIP and bedroom count. In most cases, the market offers 60–90 plans — and the builder's recommendation sits somewhere in the middle of the cost distribution, not at the bottom.
Key Takeaways
Katy's three primary ZIPs are CenterPoint territory — TDU charges are fixed. Home size varies significantly across the city, from smaller older properties in east Katy to large estates in Cinco Ranch and Cane Island, so usage ranges widely. The 1,000 kWh advertised rate is least reliable for Katy's newer, larger homes. Compare plans at your actual summer peak usage and treat builder recommendations as starting points, not recommendations.
Find the cheapest Katy plan for your home
Enter your ZIP and bedroom count — true interpolated cost at your actual usage, not the 1,000 kWh benchmark.
Compare Katy Plans →Frequently Asked Questions
What are typical electricity rates in Katy, Texas?
As of May 2026, fixed-rate plans in Katy (primarily CenterPoint Energy territory) advertise 9.5–13.5 cents per kWh at 1,000 kWh. Katy's suburban homes average 1,200–1,600 kWh in summer, with newer large homes in Cinco Ranch and Cane Island exceeding 1,800 kWh in August. The true cost at those usage levels differs meaningfully from the advertised 1,000 kWh rate. Search by your ZIP for an accurate calculation.
What TDU serves Katy, Texas?
Most of Katy is served by CenterPoint Energy for electricity delivery. The Katy area spans Harris, Fort Bend, and Waller Counties. The large majority of residential Katy ZIPs (77449, 77450, 77494) are CenterPoint territory. A small number of addresses on the western edge of the Katy area may be served by AEP Texas or other utilities — enter your ZIP to confirm your TDU.
What ZIP codes cover Katy for electricity?
The primary Katy residential ZIPs are 77449, 77450, and 77494. ZIP 77449 covers central and east Katy, 77450 is a smaller commercial-heavy zone, and 77494 covers Cinco Ranch and newer western developments. All three ZIPs are primarily CenterPoint Energy territory within the deregulated ERCOT market.
Are electricity rates higher in Cinco Ranch than in older Katy neighborhoods?
CenterPoint TDU delivery charges are uniform across all Katy ZIPs — there is no geographic pricing differential within CenterPoint territory. Rate differences between Cinco Ranch and older Katy neighborhoods reflect home size and usage, not plan pricing. Cinco Ranch homes tend to be larger and newer, leading to higher summer usage and therefore higher bills — but the per-kWh plan rate is the same.
How much do Katy electricity bills typically run in summer?
A 3-bedroom Katy home typically uses 1,300–1,700 kWh in July and August. At an all-in effective rate of 10–11 cents per kWh, summer bills often run $140–$195. Homes in Cinco Ranch or Cane Island with larger square footage and pools can reach $220–$280 in peak summer months.
Can Katy residents switch electricity providers?
Yes. Katy's primary ZIPs are fully within the deregulated ERCOT market. You can switch retail electric providers at any time with no service interruption. Confirm your TDU by entering your ZIP in the Power to Choose search tool — if plans appear, you are in the deregulated market and can shop freely.
Your Next Move
Enter your Katy ZIP in the search tool for live plan comparisons. For the broader CenterPoint territory context, see the Houston electricity rates guide. Neighboring suburbs Cypress and Sugar Land are also CenterPoint territory with similar plan inventory. The True Cost Calculator is the best tool for large Katy homes — input your monthly usage to get an accurate annual bill comparison.
Small apartment (~600 kWh) · Large home (~2,000 kWh) · All Katy plans