The short answer
A family of four, with everyone showering in the busiest hour, needs a 40 gallon gas tank or a 50 gallon electric tank where the water comes in at 59°F. In Minneapolis, where it comes in at 50°F, that is a 40 gallon gas tank, 50 electric or 65 heat pump. A tankless unit for two showers and a faucet (5 gallons per minute) needs about 121,100 BTU/h in Houston (74°F water) but 184,200 BTU/h in Minneapolis (50°F).
The same household in every state
A 4-person household that all uses hot water in the busiest hour (61 gallons), and a tankless gas unit for two showers and a bathroom faucet (5 gpm), sized for the water temperature of each state's largest city.
| Alabama Huntsville | 3A | 63 | 40 gal | 160k BTU/h |
|---|---|---|---|---|
| Alaska Anchorage | 7 | 41 | 50 gal | 2 units |
| Arizona Phoenix | 2B | 79 | 30 gal | 140k BTU/h |
| Arkansas Little Rock | 3A | 66 | 40 gal | 160k BTU/h |
| California Los Angeles | 3B | 67 | 40 gal | 140k BTU/h |
| Colorado Denver | 5B | 53 | 40 gal | 180k BTU/h |
| Connecticut Bridgeport | 5A | 56 | 40 gal | 180k BTU/h |
| Delaware Wilmington | 4A | 59 | 40 gal | 180k BTU/h |
| District of Columbia Washington | 4A | 62 | 40 gal | 160k BTU/h |
| Florida Jacksonville | 2A | 75 | 30 gal | 140k BTU/h |
| Georgia Atlanta | 3A | 65 | 40 gal | 160k BTU/h |
| Hawaii Honolulu | 1A | 80 | 30 gal | 140k BTU/h |
| Idaho Boise | 5B | 56 | 40 gal | 180k BTU/h |
| Illinois Chicago | 5A | 56 | 40 gal | 180k BTU/h |
| Indiana Indianapolis | 4A | 57 | 40 gal | 180k BTU/h |
| Iowa Des Moines | 5A | 53 | 40 gal | 180k BTU/h |
| Kansas Wichita | 4A | 61 | 40 gal | 160k BTU/h |
| Kentucky Louisville | 4A | 61 | 40 gal | 160k BTU/h |
| Louisiana New Orleans | 2A | 74 | 30 gal | 140k BTU/h |
| Maine Portland | 6A | 51 | 40 gal | 199k BTU/h |
| Maryland Baltimore | 4A | 60 | 40 gal | 160k BTU/h |
| Massachusetts Boston | 5A | 55 | 40 gal | 180k BTU/h |
| Michigan Detroit | 5A | 55 | 40 gal | 180k BTU/h |
| Minnesota Minneapolis | 6A | 50 | 40 gal | 199k BTU/h |
| Mississippi Jackson | 3A | 69 | 30 gal | 140k BTU/h |
| Missouri Kansas City | 4A | 59 | 40 gal | 180k BTU/h |
| Montana Billings | 6B | 51 | 40 gal | 199k BTU/h |
| Nebraska Omaha | 5A | 56 | 40 gal | 180k BTU/h |
| Nevada Las Vegas | 3B | 73 | 30 gal | 140k BTU/h |
| New Hampshire Manchester | 5A | 54 | 40 gal | 180k BTU/h |
| New Jersey Newark | 4A | 59 | 40 gal | 180k BTU/h |
| New Mexico Albuquerque | 4B | 61 | 40 gal | 160k BTU/h |
| New York New York | 4A | 59 | 40 gal | 180k BTU/h |
| North Carolina Charlotte | 3A | 65 | 40 gal | 160k BTU/h |
| North Dakota Fargo | 6A | 46 | 40 gal | 199k BTU/h |
| Ohio Columbus | 4A | 57 | 40 gal | 180k BTU/h |
| Oklahoma Oklahoma City | 3A | 64 | 40 gal | 160k BTU/h |
| Oregon Portland | 4C | 58 | 40 gal | 180k BTU/h |
| Pennsylvania Philadelphia | 4A | 60 | 40 gal | 160k BTU/h |
| Rhode Island Providence | 5A | 53 | 40 gal | 180k BTU/h |
| South Carolina Charleston | 3A | 69 | 30 gal | 140k BTU/h |
| South Dakota Sioux Falls | 6A | 51 | 40 gal | 199k BTU/h |
| Tennessee Nashville | 3A | 64 | 40 gal | 160k BTU/h |
| Texas Houston | 2A | 74 | 30 gal | 140k BTU/h |
| Utah Salt Lake City | 5B | 58 | 40 gal | 180k BTU/h |
| Vermont Burlington | 6A | 51 | 40 gal | 199k BTU/h |
| Virginia Virginia Beach | 3A | 64 | 40 gal | 160k BTU/h |
| Washington Seattle | 4C | 56 | 40 gal | 180k BTU/h |
| West Virginia Charleston | 4A | 59 | 40 gal | 180k BTU/h |
| Wisconsin Milwaukee | 5A | 53 | 40 gal | 180k BTU/h |
| Wyoming Cheyenne | 5B | 50 | 40 gal | 199k BTU/h |
How it works
The formula
For a tank, we match the first-hour rating (FHR) to the hot water you use in your busiest hour, the method in DOE Energy Saver's Sizing a new water heater. For a tankless heater, we match the flow you run at once and how much the water must be heated.
FHR at your inlet = 0.7 × tank gal + (FHR at 58°F − 0.7 × tank gal) × (120 − 58) ÷ (120 − inlet)
pick the smallest tank with FHR ≥ peak hour
Tankless: gpm = sum of the fixtures; rise = setting − inlet
gas BTU/h = gpm × 500 × rise ÷ 0.95
electric kW = gpm × 500 × rise ÷ 3,412 ÷ 0.99; amps = kW × 1,000 ÷ 240
Assumptions
- Hot water used per event: a shower 10 gallons (2 gpm for 5 minutes), a bath 20, a dishwasher load 6, a clothes washer load 7, shaving or hand washing 2. These follow the DOE Energy Saver worksheet and are our rounded values for modern fixtures.
- Default busiest hour: everyone showers and washes up, and the house runs one dishwasher load (two or more people) and one laundry load (three or more).
- Typical FHR at the 58°F DOE test inlet, in gallons. Gas: 30 gal 55, 40 gal 70, 50 gal 82, 65 gal 95, 80 gal 105. Electric: 30 gal 42, 40 gal 55, 50 gal 68, 65 gal 80, 80 gal 92. Heat pump (hybrid mode): 50 gal 63, 65 gal 75, 80 gal 85. Real models differ, so check the EnergyGuide label.
- Colder inlet water lowers the FHR. About 70% of a tank is hot when you start; the rest of the FHR is recovery, which shrinks by (120 − 58) ÷ (120 − inlet). Tanks are set to 120°F.
- Tank sizes: 30, 40, 50, 65, 80 gallons. Heat pump tanks start at 50.
- Tankless flow per fixture (EPA WaterSense maximums or typical): shower 2 gpm, bathroom faucet 1, kitchen faucet 1.5, dishwasher 1.5, clothes washer 2. We count all of the flow as hot, which is on the safe side, because real showers mix in cold water.
- The 500 is 8.33 pounds per gallon × 60 minutes. Gas units are 95% efficient and electric 99%.
- Standard gas tankless sizes: 140k, 160k, 180k, 199k BTU/h. Electric: 18, 24, 27, 36 kW. If one isn't enough we show how many units you would need. A whole-house electric tankless often needs 120 to 160 amps.
Worked example: a family of 4 in Minneapolis
Water comes in at 50°F. Everyone showers in the busiest hour.
- Tank, peak hour: 4 × 10 + 1 × 6 + 1 × 7 + 4 × 2 = 61 gallons.
- A 40 gallon gas tank has an FHR of 70 at 58°F. Stored: 0.7 × 40 = 28. Recovery: 42 × 62 ÷ 70 = 37.2. FHR = 65, enough.
- Pick the smallest tank that reaches 61: 40 gallons gas (FHR 65), 50 gallons electric (FHR 64).
- Tankless: 2 showers × 2 + 1 faucet × 1 = 5 gpm. Rise = 120 − 50 = 70°F.
- Gas: 5 × 500 × 70 ÷ 0.95 = 184,211 BTU/h, so a 199k BTU/h unit. Electric: 51.8 kW, so 2 units of 27 kW (225 A at 240 V).
Too big or too small
- Too big (tank): wasted energy. A bigger tank keeps more water hot all day and loses more heat. It also costs more to buy and takes more floor space.
- Too small (tank): you run out. The last shower turns cold. Its first-hour rating is the number to watch, not its gallons.
- Too small (tankless): temperature drops. If more fixtures run than the unit can heat, the water comes out lukewarm. Running two showers at once is what usually does it.
- Too big (tankless): a larger unit needs a bigger gas line, a larger vent or heavier electrical service. All of it costs more up front.
- Between sizes? Take the larger tank if you have the room, or the larger tankless unit if you have a lot of fixtures. A heat pump water heater with an FHR close to the need works fine, because it can switch to a faster mode.
Questions people ask
What size water heater do I need for a family of 4?
Most families of four need a 40 gallon gas tank or a 50 gallon electric tank. In Minneapolis, where the water comes in at 50°F, plan on 40 gallons gas or 50 gallons electric. We assume everyone showers in the busiest hour, plus a dishwasher load and a laundry load. That is 61 gallons of hot water.
What is a first hour rating (FHR)?
The gallons of hot water a full tank can deliver in one hour starting hot: the tank itself plus what the burner or element heats while you draw. It is printed on the yellow EnergyGuide label. Pick a tank whose FHR is at least your busiest-hour use. The tank size alone can mislead, because a 40 gallon gas tank often beats a 50 gallon electric one.
What size tankless water heater do I need?
Add up the flow of everything that can run at once, then multiply by how much the water must be heated. Two showers and a bathroom faucet is 5 gallons per minute. At 50°F inlet water in Minneapolis that takes about 184,200 BTU/h of gas (199k BTU/h); at 74°F in Houston it takes about 121,100 BTU/h (140k BTU/h).
Does cold incoming water change the size?
Yes. Water that starts colder needs more heat to reach 120°F. A tank recovers more slowly, so its first-hour rating drops: a 40 gallon gas tank rates about 85 gallons at 74°F and 65 at 50°F. A tankless unit needs more BTU for the same flow.
How many amps does an electric tankless water heater need?
A lot. At 240 volts, every kilowatt draws about 4.2 amps. A 36 kW unit draws 150 amps, and a whole-house electric tankless often needs 120 to 160 amps of breaker capacity. Many homes need a panel upgrade. Have an electrician check before you buy.
What size water heater for 2 people?
With two people, the busiest hour is about 30 gallons of hot water. That is a 30 gallon gas tank or a 30 gallon electric tank at 59°F inlet water. Add a bathtub, a teenager or a long shower habit and the next size up is worth it.