Electrical

NEC dwelling load — demand factors shrink the connected load

Your service is smaller than your appliances add up to: NEC demand factors reduce the connected load to the calculated load, which sets the service size.

Source: NEC Article 220 (Optional method 220.82); Informative Annex D
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What this diagram shows

A bar comparison of an NEC Article 220 dwelling load calculation. On the left, a tall stacked bar is the connected load — every appliance nameplate added up (lighting and circuits, electric range, dryer and water heater) totaling about 29,700 VA. In the middle, the NEC Article 220 demand factors: 100% of the first 10 kVA plus 40% of the rest, a 12 kW range counted as only 8 kW, and heating or cooling counted as the larger of the two. On the right, a shorter bar is the calculated load of 21,480 VA, which divided by 240 volts is 90 amps and rounds up to a 100 A service on 4 AWG copper.

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