Do new windows pay for themselves in energy savings?

ENERGY STAR-rated windows save $125–$465/year on average for a typical US home, per the EPA. Energy-only payback periods run 8–25 years depending on climate, your current windows (single-pane vs. double-pane), and electric/gas rates. The payback math improves dramatically when combined with the federal 25C credit (30% of cost up to $600/year for windows). Most homeowners replace windows primarily for comfort (no more cold drafts), noise reduction, and curb appeal — energy savings are a meaningful but secondary benefit. Whole-house replacement also adds 60–70% recoup at resale per Remodeling Magazine's Cost vs. Value.