How Much Insulation Do I Need in Connecticut? (R-Values Explained)
Let’s cut to the chase: if your house is drafty in the winter and sticky in the summer, it probably doesn’t have enough insulation—or the right kind. A lot of folks think insulation is just fluff in the attic. It’s not. It’s your home’s armor against brutal New England winters, swampy summers, and soul-crushing energy bills.
The key to getting insulation right in Connecticut? Understanding R-value.
Let’s break it down like a contractor who actually works on houses (not just writes blogs about them).
What Is R-Value and Why Should You Care?
R-value is just a fancy way of measuring how good insulation is at resisting heat flow.
Higher R-value = better performance.
Think of it like SPF for your house—except instead of blocking sunburn, it blocks your hard-earned heat from leaking out all winter and keeps hot, muggy air from sneaking in all summer.
In Connecticut, we don’t mess around with mild weather. If your insulation isn’t pulling its weight, your HVAC system is working overtime, and your wallet is taking the hit.
How Much Insulation Do Connecticut Homes Need?
Connecticut sits in Climate Zone 5 (translation: cold enough that you need solid insulation, but not quite Alaska).
Here’s what the pros—and the U.S. Department of Energy—recommend:
If your current insulation doesn’t hit these numbers, you’re probably heating the great outdoors.
Signs Your Home Needs More Insulation
You don’t need a thermal camera to know something’s off. Just look for the usual suspects:
🚩 Energy bills climbing like they’re training for Everest
🚩 One room’s freezing, another’s a sauna
🚩 Drafts that make your socks curl
🚩 Cold floors, especially above the garage or crawlspace
🚩 Icicles hanging from your roof like medieval torture devices (aka ice dams)
🚩 Bare spots in the attic where you can see the joists—yeah, that’s not enough insulation
If this sounds familiar, it’s time to bulk up your insulation game.
Best Insulation for Connecticut Homes (Spoiler: It’s Not Fiberglass)
At Nealon Insulation, we’ve tried it all. We’ve installed fiberglass, foam, cellulose—you name it. After 48 years of doing this, here’s our honest take:
🥇 Cellulose Insulation (Our MVP)
- Stops air leaks better than fiberglass
- Made from 85% recycled paper (and a little contractor-grade magic)
- Treated with borates to stop pests from making it their Airbnb
- Handles New England’s freeze-thaw-humidity circus like a champ
Other Options (Fine, But Not Our Favorite):
- Fiberglass batts – Cheap upfront, but leaks air like a busted screen door
- Spray foam – Great air seal, but pricey and tough to remove later
- Rigid foam board – Solid for basements or foundation walls, not for every spot
If you’re aiming for high performance and fewer headaches, cellulose is king—especially in our neck of the woods.
Want to Save Money? EnergizeCT Can Help
You don’t have to foot the insulation bill all by yourself. Connecticut’s EnergizeCT program offers some solid rebates—if you know how to get them.
Here’s how it works:
✅ We send a pro to check your home’s insulation levels (part of a Home Energy Audit)
✅ You get instant discounts on cellulose insulation upgrades
✅ You pocket the long-term energy savings—and get a more comfortable home while you’re at it
Nealon Insulation is a certified contractor with EnergizeCT, which means we do the paperwork, file the rebates, and help you pay less upfront.
Why Nealon? Because We’ve Been Doing This Since Jimmy Carter Was President
That’s not a joke—we’ve been insulating homes since 1977.
✔ We know Connecticut homes inside and out
✔ We hit the right R-values the first time
✔ We use materials that actually work
✔ We help you qualify for every rebate you're eligible for
✔ And we don’t ghost you after install—we’re around for questions, upgrades, and tune-ups
Don’t Guess. Get an Expert to Take a Look.
Insulation isn’t just about staying warm—it’s about doing more with less energy, saving money, and avoiding headaches later.
📞 Contact Nealon Insulation for a free consultation. We’ll check your current R-values, give you a straight answer on what you need, and show you how much you can save with EnergizeCT.
Warm in winter, cool in summer, dry all year. That’s how a Connecticut home should feel. Let’s make it happen.
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How Much Money Will I Really Save by Upgrading my Insulation?
Let’s be honest—insulation isn’t sexy. It’s not something you show off to your neighbors. It’s not your renovated Kitchen with marble finishing or a beautiful new stone deck with a built in grill and smoker.
Let’s be honest—insulation isn’t sexy. It’s not something you show off to your neighbors. It’s not your renovated Kitchen with marble finishing or a beautiful new stone deck with a built in grill and smoker.
No one’s coming over to crack open beers and admire the craftsmanship… “Wow, check out that R-49 blown cellulose! There’s no lumps or anything!”
But… if you own a home in Connecticut, insulation might be the most boring way to save yourself the most money. You won’t get oooh’s and aaah’s but you will get lower energy bills, a more comfortable home, and fewer fights over the thermostat.
But I know what you’re now asking yourself… how much can I really save? How long does insulation take to pay for itself?
🥁🥁🥁
The Short Answer: 2 to 5 Years…
The Even Shorter Answer: It depends! But it does works
But definitely don’t take my word for it. What do I know, I’ve only been doing this for 40 years… And I’ve been told I’m biased or something…
Let’s see what the Research Says
According to the U.S. Department of Energy (DOE) and Energize CT, insulation and air sealing will shave 15–30% off your heating and cooling bills. In Connecticut, where winters are long and heating oil is basically liquid gold, that adds up!
- The average Connecticut household spends around $2,000 per year on heating and cooling combined (source: EIA.gov).
- So let’s do some quick math!
- If you saved 20% on your heating and cooling bills that’s $400/year back in your pocket.
- If your insulation project costs around ~$2,000 that’s about a 5 year payback
- If you save closer to 30%...that’s less than a three and a half year payback
- After that it’s just continuous money in your pocket for the next 25-30 years until you need another upgrade
But like I said before… it depends!
Not to brag or anything but we’ve upgraded homes in which the payback period was fewer than 2 years!
Add in Connecticut’s Home Energy Solutions program, and it gets better. The program can often cover up to 75% of the cost through rebates and incentives.
Facts, Myths, and We-Just-Don’t-Know
There’s a lot of information floating around out there...let’s break it down.
✅ Facts
- Insulation reduces energy bills.
- This is backed by the DOE, ENERGY STAR, and pretty much anyone who’s upgraded their insulation and compared their before and after their utility bill afterward.
- This is backed by the DOE, ENERGY STAR, and pretty much anyone who’s upgraded their insulation and compared their before and after their utility bill afterward.
- Air sealing matters. A lot.
- Think of it like this: insulation is your sweater. Air sealing is zipping up your jacket. Both are good. Together, they’re great.
- Think of it like this: insulation is your sweater. Air sealing is zipping up your jacket. Both are good. Together, they’re great.
- Rebates are available.
- Older homes in CT are often wildly under-insulated.
- Especially if they were built before 1980. Some wall cavities are literally empty.
- Especially if they were built before 1980. Some wall cavities are literally empty.
❌ Myths
- “Insulation only helps me in the winter.”
- Nope. It helps in summer too by keeping heat out and ensuring more efficient AC use. Ever been in an attic in July? If so, you get it.
- Nope. It helps in summer too by keeping heat out and ensuring more efficient AC use. Ever been in an attic in July? If so, you get it.
- “If I have insulation, I’m good.”
- Maybe. But maybe not. A lot of homes have insulation that’s:
- Just not enough
- Poorly installed
- Degraded over time
- Maybe. But maybe not. A lot of homes have insulation that’s:
- “It’s too expensive to be worth it.”
- With rebates and long-term savings, insulation’s one of the few home upgrades that pays for itself—and then keeps paying.
- With rebates and long-term savings, insulation’s one of the few home upgrades that pays for itself—and then keeps paying.
🤷♂️ We Just Don’t Know
- Exactly how fast your home will pay it back.
- We need to see the place. Every home is different. We’ll look at square footage, current insulation levels, energy bills, and then we can estimate savings and rebates.
- We need to see the place. Every home is different. We’ll look at square footage, current insulation levels, energy bills, and then we can estimate savings and rebates.
- How much longer Connecticut winters will get.
- Between polar vortexes and mild Decembers, who knows. But insulation helps regardless.
- Between polar vortexes and mild Decembers, who knows. But insulation helps regardless.
- Why builders didn’t insulate better in the '60s and '70s.
- Your guess is as good as ours. Maybe they just loved single-pane windows and cold feet.
- Your guess is as good as ours. Maybe they just loved single-pane windows and cold feet.
Final Thoughts
Insulation’s not flashy. It’s not fun to talk about at parties (...actually it is for us). But in terms of bang-for-your-buck, it’s one of the best home improvements you can invest in.
Here’s what you get:
- Real savings
- Real comfort
- A more efficient, quieter, and healthier home
If you’re in Connecticut, you’ve got access to generous incentives. We’ll even help you apply for them. So if your house is cold, drafty, or your energy bills are making you sweat—get in touch.
👉 Get in touch with Nealon Insulation. We’ll take a look, give you honest feedback, and let you know if it makes sense. No pressure. No BS. Just real talk, real results, and real insulation.
Why Does Insulation Lower Your Energy Bill?
Let’s start with this: insulation isn’t just a nice-to-have—it’s one of the most cost-effective ways to cut down on your energy bills year-round. Whether you’re battling a New England nor’easter or a brutal summer heatwave, your insulation is doing the quiet, thankless job of keeping conditioned air where it belongs: inside your home.
Let’s start with this: insulation isn’t just a nice-to-have—it’s one of the most cost-effective ways to cut down on your energy bills year-round. Whether you’re battling a New England nor’easter or a brutal summer heatwave, your insulation is doing the quiet, thankless job of keeping conditioned air where it belongs: inside your home.
But how does it actually save you money? Let’s break it down.
1. Insulation Slows Down Heat Transfer
Heat moves in and out of your house constantly—through walls, ceilings, floors, and anywhere it finds a weak spot. This process is called heat transfer, and without good insulation, your home is bleeding energy like a sieve. In winter, warm air escapes. In summer, heat pours in. Insulation acts like a barrier, slowing that process down so your HVAC system doesn’t have to work overtime to keep up.
Less work for your furnace or AC = less energy used = lower utility bills.
2. Insulation Keeps Temperatures Stable
Ever notice how some rooms feel freezing while others are sweltering? That’s usually a sign of poor insulation or air leaks. Ideally, rooms in the same house shouldn’t differ by more than 2–3°F. If you're seeing 5 degrees or more between rooms, it’s a red flag—your home likely has insulation gaps or airflow issues.
When you insulate properly—especially your attic, walls, and basement—you even out those swings and stop playing thermostat whack-a-mole. Want to layer your savings? Combine good insulation with simple, low-cost hacks to stay warm in winter—like these 10 free or cheap ways to stay warm.
3. It Reduces HVAC Runtime
Your heating and cooling systems cycle on and off all day. But the better your home holds its temperature, the less often those systems need to run. Over time, this adds up to serious savings—not just on energy, but also on maintenance and equipment lifespan. Well-insulated homes put less wear and tear on HVAC units, meaning fewer breakdowns and a longer system life.
4. It's a One-Time Investment That Pays Off For Years
Insulation isn’t a band-aid fix—it’s a long-term upgrade. Whether you’re using spray foam, batts, or blown-in cellulose, you’re making a one-time investment that keeps paying you back every month.
And if you’re looking to insulate finished walls without tearing everything apart, we’ve got a method for that too. It’s called drill and plug, and it lets us dense-pack cellulose insulation from the outside of your home—sealing up energy loss while leaving everything looking untouched. It’s one of our go-to moves for older homes with empty wall cavities.
The Bottom Line
If your energy bills are creeping higher and your home still doesn’t feel comfortable, your insulation might be the culprit. Fixing it won’t just make your house cozier—it’ll put money back in your pocket every single month.
Want to see what better insulation could do for your home?
👉 Get in touch with Nealon Insulation. We’ll take a look, give it to you straight, and help you lower your bills the smart way.
Why Is Air Sealing Important?
Most people think insulation is the whole game when it comes to making a home energy-efficient. It’s a big part, sure—but if your house is leaking air like a drafty old barn, insulation alone isn’t going to cut it. That’s where air sealing comes in.
Most people think insulation is the whole game when it comes to making a home energy-efficient. It’s a big part, sure—but if your house is leaking air like a drafty old barn, insulation alone isn’t going to cut it. That’s where air sealing comes in.
Think of insulation like a warm winter coat. Now imagine that coat has the zipper wide open and the wind’s whipping through. Not so cozy, right? Air sealing is the zipper. It keeps the conditioned air inside where it belongs—and the outside air out.
What Is Air Sealing?
Air sealing is the process of closing up all the tiny gaps, cracks, and holes in your home’s building envelope. These leaks might be around windows, doors, plumbing penetrations, attic hatches, recessed lights, or even your foundation. You don’t see them—but your energy bill sure feels them.
If you’ve ever walked into a room and it feels 10 degrees colder than the rest of the house, chances are you’ve got air leaks. Same goes for musty smells, moisture problems, or wild swings in your heating and cooling bills.
Why Air Sealing Matters
💸 Lower Energy Bills
Air leaks are one of the biggest causes of energy loss in the average home. Heated or cooled air escapes through those gaps, and your HVAC system has to work harder (and burn more money) to keep up. Air sealing can cut heating and cooling costs by up to 20% in some homes.
Want to understand how heat actually escapes your house? Check out our blog on How Does My Home Lose or Gain Heat?
🌡️ More Consistent Temperatures
Ever notice that one room is always too hot in the summer or freezing in the winter? Air leaks are usually to blame. When you seal those gaps, airflow becomes controlled and consistent—no more temperature rollercoasters from room to room.
It’s especially important in the attic—one of the biggest culprits for leaks.
Our blog on blown-in insulation can help you identify the right insulation for your attic.
💧 Moisture Control
Air leaks don’t just move air—they move moisture. In the winter, warm indoor air rises and escapes through cracks in the attic. That moisture-laden air hits cold surfaces and condenses, which can lead to mold, mildew, and rot. Air sealing helps keep moisture where it belongs—and keeps your home healthier.
🧊 Works Hand-in-Hand with Insulation
Insulation slows down the transfer of heat, but it can’t stop moving air. That’s why insulation without air sealing is like buying an expensive cooler with the lid cracked open. You need both.
If your home feels drafty or your bills are creeping up, it could be a sign your insulation isn’t pulling its weight either. Here’s How to Tell If Your Home Is Under-Insulated
What’s the Air Sealing Process Actually Like?
Glad you asked.
Before we blow in any cellulose, we suit up and hunt down the leaks. Because once you’ve got 14 inches of fluffy insulation in the attic, going back to plug those gaps is like diving into a ball pit with a caulk gun—only sweatier and way less fun. Unless you enjoy spelunking through cellulose, seal it first.
🔧 What We Use
Our go-to is polyurethane insulating foam applied with a standard foam gun. It expands to fill cracks, cures fast, and sticks like a champ. Around wiring, pipes, light fixtures, and top plates? That’s where it shines.
And in basements—especially along the sill plate—we break out the big guns: rodent-resistant foam. This stuff is dense, durable, and keeps out everything from cold drafts to overly curious critters.
🔍 Where We Look
In the Attic:
- Gaps between drywall and top plates
- Around recessed lights and light fixtures
- Plumbing stacks
- HVAC duct penetrations
- Chimney chases
- Attic hatches
In the Basement or Crawlspace:
- All along the perimeter sill and rim joists
- Plumbing, electrical, and dryer vent exits
- Gaps where concrete meets wood framing
These are the usual suspects. Seal them up and you’re halfway to a tighter, more efficient home.
Ready to Seal Up Your Home?
At Nealon Insulation, we don’t just stuff walls with insulation and call it a day. We take a full-building approach, starting with air sealing the key trouble spots. It’s one of the best bang-for-your-buck upgrades you can make to improve comfort, cut energy bills, and keep your home protected year-round.
👉 Contact Nealon Insulation to schedule an energy assessment and see where your home is leaking energy. We’ll get you zipped up tight.
Let's Work Together
Ready to transform your home into an energy-efficient haven? Schedule your free energy assessment today and experience the Nealon difference for yourself.