The best energy saving tips for Panhandle homes focus on the AC, because cooling is the biggest part of the bill. Set the thermostat to 78 degrees when you are home, raise it when you leave, run ceiling fans, change the filter on time and fix leaky ducts. A smart thermostat installation makes the setback part automatic.
Want a quick check of where your home is losing cool air? Call Panside Heating and Air at (850) 691-3181.
Key Takeaways: Energy Saving Tips That Work
- Heating and cooling drive the bill. UF/IFAS says they make up more than 40% of a typical Florida utility bill.
- 78 degrees is the sweet spot. Each degree below 78 can add up to 8% to cooling costs.
- Fans let you set higher. A ceiling fan lets you raise the thermostat about 4 degrees with no loss of comfort.
- Setbacks save. Turning the thermostat back while you are out can save around 10% a year.
- Ducts leak. A typical duct system loses 20% to 30% of its air.
Why Panhandle Homes Pay More to Stay Cool
Panama City and the rest of the Panhandle get long, humid summers and a short but real winter. Your system cools for most of the year, pulls moisture out of the air, and then switches to heat on cold nights. That long run time is why small changes add up fast here.

According to UF/IFAS energy saving research, heating and cooling make up more than 40% of a typical Florida home’s utility bill. The same source recommends a cooling setting of 78 degrees or higher and notes you can spend up to 8% more for every degree below that.
Best Thermostat Settings for Panhandle Summers
Most families can be comfortable at 78 degrees when home and awake, especially with a ceiling fan running. Here is a simple schedule to start with:
| Time of day | Summer setting | Why |
|---|---|---|
| Home and awake | 78°F | Comfortable with fans, lower cost |
| Away at work | 82 to 85°F | Less run time while nobody is home |
| Sleeping | 78 to 80°F | Fans and lighter bedding keep you cool |
| Winter, home | 68°F | Comfortable and efficient for a heat pump |
| Winter, away or asleep | 65 to 66°F | Small setback, easy recovery |
The DOE thermostat guide says you can save around 10% a year by turning the thermostat back 10 to 15 degrees for eight hours a day. In a humid climate, keep the summer setback moderate so indoor humidity does not climb while you are gone.
Heat Pump Owners: Watch the Winter Setback
Many Panhandle homes heat with a heat pump. If you drop the temperature a lot at night and then crank it up in the morning, the system may switch on its electric backup heat, which is expensive to run. Raise the setting a degree or two at a time instead. A smart thermostat with heat pump settings handles this for you.
Winter Energy Saving Tips for the Panhandle
Panhandle winters are short, but cold snaps still hit. Set the heat to 68 degrees when you are home and awake, and a few degrees lower at night. Change the filter before the first cold week, since a clogged filter makes a heat pump lean on its backup strips. Keep the outdoor unit clear of leaves so it can defrost properly. If you smell burning dust the first time the heat runs, that is normal for a few minutes. If it lasts longer, call us.
Energy Saving Tips for Humid Panhandle Days
Humidity changes the rules a little. Damp air feels warmer, so people turn the thermostat down, which costs more. These energy saving tips keep you comfortable without chasing a lower number:
- Set the thermostat fan to AUTO, not ON, so water on the coil drains away instead of blowing back inside
- Run bathroom fans during and after showers
- Keep windows closed while the AC is running
- Fix a dripping or slow drain line quickly
If the house still feels sticky at 78 degrees, the system may be oversized or the coil may be dirty. That is a service problem, not a thermostat problem.
Smart Thermostat Features Worth Paying For
Not every smart thermostat feature saves money. The ones that matter most in a Panhandle home are scheduling, remote control from your phone, heat pump settings that limit backup heat, and humidity readings. A thermostat that shows indoor humidity helps you spot moisture problems early.
Energy Saving Tips You Can Do This Weekend
These energy saving tips cost little or nothing and pay back every month:
- Run ceiling fans in occupied rooms. The Energy Saver fan guide says a fan lets you raise the thermostat about 4 degrees with no loss of comfort. Turn fans off when you leave the room.
- Change the filter. Check it every month in summer and replace it when it looks gray.
- Close blinds on the sunny side. West facing windows heat rooms fast in the afternoon.
- Keep vents open and clear. Closing vents in unused rooms raises duct pressure and can cause leaks.
- Clear around the outdoor unit. Trim plants back about two feet so it can release heat.
- Cook and dry laundry early or late. Oven and dryer heat makes the AC work harder in the afternoon.

Bigger Fixes That Cut Bills for Years
Once the easy steps are done, look at the system itself. These cost more but often pay back over a few summers.
Seal and Insulate the Ducts
Many Panhandle homes have ducts in a hot attic. ENERGY STAR estimates that a typical duct system loses 20% to 30% of its air through leaks and poor connections. Our duct installation and repair team can seal and insulate ducts so cooled air reaches the rooms you pay to cool.
Keep Up With Maintenance
A dirty coil or a low refrigerant charge makes the AC run longer for the same comfort. A yearly tune-up keeps it running close to its rated efficiency. Our HVAC maintenance checklist shows what to do each month.
Replace a System That Is Past Its Prime
If your AC is more than 12 to 15 years old, a new, correctly sized system can cut cooling costs a lot. Ask for a load calculation, not a guess based on square footage. Call (850) 691-3181 for an honest look at repair versus replace.
Energy Saving Tips FAQs
What should I keep my AC on to save money in Florida?
Set your AC to 78 degrees when you are home and 82 to 85 degrees when you are away. UF/IFAS notes that each degree below 78 can add up to 8% to cooling costs. Pair the higher setting with ceiling fans so the house still feels comfortable.
Is 73 too cold for AC in summer?
It is not unsafe, but 73 degrees costs noticeably more to hold in a Florida summer. At 5 degrees below 78, you could spend a lot more on cooling each month. Try 76 to 78 with a ceiling fan running and see if you feel the difference.
What is the best temperature to keep the AC on in Florida?
For most Florida homes, 78 degrees is the best balance of comfort and cost when people are home. Raise it to 82 to 85 when the house is empty, and keep humidity under 60%. If 78 feels sticky, the problem is usually humidity, not temperature.
What are some tips for saving energy on my HVAC system?
Change the filter regularly, use ceiling fans, set a higher cooling temperature, and use a programmable or smart thermostat. Seal leaky ducts, keep the outdoor unit clear, and book a yearly tune-up. These steps together often cut cooling costs more than any single upgrade.
Lower Your Panama City Energy Bill With a Home Check
If your power bill keeps climbing, call Panside Heating and Air at (850) 691-3181. We check the system, the thermostat settings and the ductwork, and we tell you which fixes will actually save you money and which ones will not. You get a written price before any work starts. We serve Panama City, Panama City Beach, Lynn Haven, Callaway and the rest of Bay County, 7AM to 10PM daily. You can also request service online.
Panside Heating and Air
Panside Heating and Air LLC
Panama City, FL 32405
Phone: (850) 691-3181
Email: pansideair@gmail.com
Hours: 7AM to 10PM daily
FL License CAC1822416