Plano Electricity Rates, Explained

Just want the cheapest plan? This guide explains how Plano electricity rates actually work. To rank today’s live plans by your real usage, use the Plano rate comparison tool →

Last updated: October 18, 2026  ·  7 min read

Plano sits in Collin County, squarely inside Oncor's deregulated service territory and the competitive ERCOT electricity market. With a housing stock skewed toward larger suburban homes — many 3–4 bedroom properties with pools and above-average square footage — Plano households often use more electricity than the 1,000 kWh figure that plan advertisements are built around. That mismatch makes shopping on advertised rate alone especially misleading here.

Oncor in Plano — Delivery vs. Supply

Oncor Electric Delivery owns and operates the distribution infrastructure throughout Plano, including Collin County. Your meter, the wires to your home, and outage restoration are all Oncor's responsibility. Oncor's tariff charges — a fixed monthly customer fee plus a per-kWh distribution charge — are regulated by the PUCT and applied identically to every customer regardless of which REP they use.

Your retail electric provider (REP) is the company that sells you electricity. REPs compete on price, plan structure, contract term, and renewable content. Switching REPs causes no service interruption; Oncor continues delivering electricity regardless of which REP is billing you. Most Plano ZIPs have 60–90 active plans available at any given time.

Plano ZIP Code Guide

Plano's ZIP codes span from the older, more established neighborhoods in the south and west to newer, higher-density developments in the north. All are within Oncor's territory and accessible to the full competitive market.

ZIP	Area	Character
75023	West Plano	Established neighborhoods, 1,200–1,700 sq ft homes
75024	North Plano / Legacy West	Newer construction, high corporate density, large homes
75025	Northeast Plano	Mix of 1990s–2010s suburban homes
75074	Central / East Plano	Dense residential, apartments and townhomes
75075	Southeast Plano / Old Town area	Older homes, smaller sq footage, lower typical usage
75093	West Plano / Willow Bend	Larger homes, higher summer usage typical

Why Plano Homes Often Use More Than 1,000 kWh

Plano's housing stock trends larger than many Texas cities. The average single-family home in Plano is approximately 2,200–2,600 square feet, and many neighborhoods have homes above 3,000 square feet. Larger floor plans mean more conditioned space, higher cooling loads, and typically higher appliance counts. Pools, multiple HVAC zones, and home offices add further to baseline usage.

According to EIA's Texas Residential Energy Consumption Survey, air conditioning accounts for roughly 50–60% of electricity use in a Texas home during summer months. A 2,500 sq ft Plano home running a standard split-system AC can consume 1,800–2,200 kWh in August without unusual activity. At that usage level, the three EFL pricing benchmarks (500, 1,000, 2,000 kWh) all become relevant — and the plan's rate at the 2,000 kWh tier matters as much as its rate at 1,000 kWh.

How to Find the Right Plan for a Plano Home

Larger homes benefit most from careful plan comparison because the difference between plans compounds at higher usage levels. A plan with a higher per-kWh rate but no base charge may cost less at 800 kWh but more at 1,800 kWh compared with a plan that has a $9.95 base charge and a lower per-kWh rate. Running the math at your actual typical usage — not at 1,000 kWh — is the only way to know which is cheaper.

The search tool on the homepage calculates the true interpolated cost for every plan at your usage level. Enter your Plano ZIP and bedroom count and the results reflect your real bill estimate, not the advertised benchmark. For a full explanation of the methodology, see the plan comparison methodology guide.

Key Takeaways

Plano is Oncor territory throughout — TDU charges are fixed and uniform across all Plano ZIPs. Your REP and plan choice are the only levers. Plano's larger homes typically use 1,500–2,000+ kWh in summer, making the 1,000 kWh advertised rate a particularly unreliable proxy for real cost. Compare plans by estimated annual bill at your actual usage, using the interpolated rate across all three EFL price points.

Frequently Asked Questions

What are typical electricity rates in Plano, Texas?

As of May 2026, fixed-rate plans in Plano (Oncor territory) advertise 9.0–13.0 cents per kWh at 1,000 kWh. Plano homes tend to be larger-than-average — many 3–4 bedroom homes exceed 1,500 kWh in July and August — so the advertised 1,000 kWh rate often understates real summer cost. Search by your ZIP for an interpolated true-cost calculation.

What TDU serves Plano electricity?

Oncor Electric Delivery serves all of Plano. Oncor owns the poles, wires, and meters throughout Collin County and is regulated by the PUCT. You cannot change your TDU. You can freely choose any licensed retail electric provider (REP) for your supply plan.

Which Plano ZIP codes are deregulated?

All major Plano ZIPs — 75023, 75024, 75025, 75074, 75075, and 75093 — are within Oncor's deregulated service area. Every address in these ZIPs can shop for a retail electric provider on Power to Choose or through comparison tools like this one.

Are Plano electricity rates different from Frisco or McKinney?

Plano, Frisco, and McKinney are all in Oncor territory (Collin County), so TDU delivery charges are the same across all three cities. Most major REPs file identical plans across North Dallas suburbs. Minor differences appear occasionally when a provider targets a specific ZIP with a promotional rate.

How much does a Plano electricity bill cost per month?

A Plano household in a 3-bedroom home typically uses 1,000–1,200 kWh in mild months and 1,500–1,900 kWh in July and August. At a representative all-in rate of 10–11 cents per kWh (energy plus TDU delivery plus taxes), summer bills often run $165–$220. Larger homes with pools or older HVAC systems can run significantly higher.

Can I compare electricity plans for Plano online?

Yes. Enter your Plano ZIP code in the search tool on this site or on the PUCT's Power to Choose portal (powertochoose.org). This site adds linear interpolation math to rank plans by their true cost at your actual usage level — not just the 1,000 kWh benchmark that every provider optimises for in advertising.

Your Next Move

Start with the ZIP search tool — enter your Plano ZIP for a live list of plans ranked by true cost. For neighboring North Dallas suburbs, see the Frisco electricity rates guide (same Oncor territory, similar plan inventory). The TDU delivery charges guide explains the Oncor charges that appear on every Plano bill regardless of provider. The True Cost Calculator lets you model any plan at any usage level you enter.