Oil-filled radiator vs fan heater: which is cheaper?

This is the most common question about electric heating, and the answer has two halves that people usually collapse into one. Per unit of heat, nothing separates them. Per winter, something does — and it is not efficiency. At the US average rate of 18.34¢ per kilowatt-hour the gap is $33 a year.

All comparisons · Both figures from the same duty-cycle model · EIA June 2026

Oil-filled radiator costs less by

$33a year

$335 over ten years · oil-filled radiator uses 18% less electricity

Oil-filled radiator 810 kWh a year against 992 kWh — at the US average rate of 18.34¢/kWh.

Oil-filled radiator810 kWh$149
Space heater992 kWh$182

The verdict

Per kilowatt-hour they are identical, and no electric resistance heater beats another. Both convert electricity to heat at 100%, which is not a quality claim but what resistance means, and there is no headroom above it. Two 1,500 W heaters with their elements energised for the same number of hours cost the same to the cent, whatever the box says about ceramic, infrared, micathermic or oil.

Side by side

Oil-filled radiator and space heater are costed by the same function from the same dataset, so the $33 between them is a difference in the appliances and not in how each was measured. Oil-filled radiator draws an average 675 W across the hours it runs; space heater draws 827 W across its own.

Both at 18.34¢/kWh, the EIA residential average for June 2026. Ten years is roughly the service life of either.

Oil-filled radiatorSpace heaterDifference
Electricity a year810 kWh992 kWh182 kWh
Cost a year$149$182$33
Cost a month$12$15$2.79
Over ten years$1,486$1,820$335

The assumptions behind those figures

Nothing above is a manufacturer’s claim. 1,500 W at 45% for 8 hours a day, 150 days a year, is where oil-filled radiator’s 810 kWh comes from; 1,500 W at 55% for 8 hours over 150 days is where space heater’s 992 kWh comes from. Both are rated 1,500 W, so every dollar of the difference above comes out of the duty-cycle row.

Change any of these on the appliance’s own page and every figure moves with it. The duty cycle is a property of the machine; the hours are a property of you.

Oil-filled radiatorSpace heater
Rated power1,500 W1,500 W
Duty cycle45%55%
Hours a day in service88
Days a year150150
Average draw while in service675 W827 W

What the gap is worth at your rate

Nothing here is a purchase decision, so there is no payback to compute. But $33 is the gap at the national average, and what it is worth to you depends on your rate — which varies more across the country than the difference between these two.

Residential average for June 2026, from the EIA. Your own tariff may differ; you can read it off your bill.

Oil-filled radiator
$149

a year

Space heater
$182

a year

A year apart
$33
Over ten years
$335

In the US average at 18.34¢ per kWh. Both figures on the standard assumptions printed above; your rate is the input that moves the gap most.

The gap in your state

The appliances are the same everywhere; the rate is not. The gap between these two is worth $96 a year in Hawaii and $24 in Nevada — 4× apart, on identical appliances.

A year of each, by state. Residential average price, EIA June 2026.

StateRateOil-filled radiatorSpace heaterDifference
Hawaii52.72¢$427$523$96
California34.74¢$281$345$63
Massachusetts29.61¢$240$294$54
Maine29.59¢$240$294$54
New York29.49¢$239$293$54
Rhode Island29.23¢$237$290$53
Alaska28.21¢$229$280$51
New Hampshire27.01¢$219$268$49
New Jersey24.95¢$202$248$46
Vermont24.44¢$198$243$45
District of Columbia24.39¢$198$242$44
Connecticut24.32¢$197$241$44
Michigan22.99¢$186$228$42
Maryland21.84¢$177$217$40
Pennsylvania21.73¢$176$216$40
Illinois19.89¢$161$197$36
Wisconsin19.56¢$158$194$36
Delaware19.29¢$156$191$35
Ohio19.19¢$155$190$35
Minnesota17.52¢$142$174$32
Indiana17.51¢$142$174$32
Virginia17.22¢$139$171$31
Colorado17.13¢$139$170$31
Alabama16.4¢$133$163$30
Georgia16.36¢$133$162$30
Oregon16.32¢$132$162$30
Missouri16.22¢$131$161$30
Texas15.94¢$129$158$29
Iowa15.93¢$129$158$29
Kansas15.71¢$127$156$29
South Carolina15.55¢$126$154$28
West Virginia15.45¢$125$153$28
South Dakota15.36¢$124$152$28
Wyoming15.24¢$123$151$28
Arizona15.18¢$123$151$28
Montana15.14¢$123$150$28
Florida15.1¢$122$150$28
New Mexico15.06¢$122$149$27
Washington14.91¢$121$148$27
Mississippi14.88¢$121$148$27
North Carolina14.74¢$119$146$27
Idaho14.37¢$116$143$26
Oklahoma14.33¢$116$142$26
Kentucky14.26¢$116$142$26
Arkansas14.12¢$114$140$26
North Dakota14.12¢$114$140$26
Tennessee14.07¢$114$140$26
Louisiana13.49¢$109$134$25
Utah13.37¢$108$133$24
Nebraska13.25¢$107$131$24
Nevada13.11¢$106$130$24

Questions

Is an oil-filled radiator cheaper to run than a fan heater?
Per kilowatt-hour they are identical, and no electric resistance heater beats another. On the assumptions printed above, oil-filled radiator costs $149 a year and space heater costs $182 at 18.34¢ per kilowatt-hour — a difference of $33 a year, or $335 over ten years at today’s rate.
How is oil-filled radiator’s 810 kWh a year calculated?
Rated watts × duty cycle × hours × days, plus standby, times your rate — the same function that produces every figure on this site. For oil-filled radiator: 1,500 W × 45% × 8 h × 150 days ÷ 1,000 = 810 kWh, which at 18.34¢ is $149. Space heater runs through the identical arithmetic on its own assumptions and lands at $182. The rate is the EIA residential average for June 2026; nothing here is a manufacturer’s claim.
So “energy-saving heater” claims are false?
Any claim of more heat per kilowatt-hour than a resistance element is false, because 100% is the ceiling and every one of them is already at it. Claims about thermostat accuracy, thermal mass, timers, zoning or how quickly a room feels warm can be true and useful — those change how long the element runs, which is the only thing left that can change the bill.
Which should I actually buy?
Match it to the room. An oil-filled radiator suits a room occupied for hours at a time, because its thermal mass smooths the cycling and it is silent. A fan heater suits short occupancy, because it makes a space feel warm in a minute and wastes nothing keeping a mass hot you are about to walk away from. Buying the wrong one for the pattern costs more than choosing the wrong technology.
What actually costs less to heat with?
A heat pump, which moves heat rather than creating it and delivers two to four units of heat per unit of electricity. It is the only electric heating that beats the 100% ceiling, because it is not making the heat in the first place.
Does my state change the answer?
It changes the size of the gap, never its direction. The same pair costs $96 a year apart in Hawaii and $24 in Nevada. Whichever uses less electricity uses less everywhere; only what that is worth moves.

Source: U.S. Energy Information Administration, Electric Power Monthly, Table 5.6.A, June 2026. U.S. Government work, public domain.

How every figure on this page is computed · Where the data comes from