I'm currently working on getting my electrical panel replaced since I've run out of space and my panel is over 40 years old. Right now, I have a 200 amp service, but I'm thinking about whether I should upgrade to a 400 amp service. I'm not completely committed yet, but I might want to add an electric tankless water heater and an electric car charger in the future, which would require extra capacity.
I received two quotes: one for just replacing the 200 amp panel—complete with a permit, new ground rods, surge protection, a new disconnect, and the panel—for $3300. The second quote for upgrading to 400 amps includes everything from the first quote plus a 30-space outdoor panel, a new meter, and meter base for $5150. The power company mentioned there wouldn't be an extra cost for this upgrade.
Considering that the price difference is only $1850, and adding that capacity now might save me trouble and money later on if I decide to go for the additional installations, I'm wondering if this upgrade is worth it. What do you all think?
3 Answers
If it helps, I went through the same decision last year and chose to upgrade to 400 amps. I haven't regretted it—I've added quite a few appliances and projects since. Plus, the load calculations can sometimes underestimate what you'll need in the future, so better safe than sorry!
Upgrading to 400 amps for just $1850 more sounds like a no-brainer, especially since you're already replacing the panel. It’s a good way to future-proof your home. You'll have peace of mind knowing you won’t have to worry about capacity down the line if you do go for that electric heater or car charger.
Totally agree! If you're planning to stay in the house for years, this is the way to go. Costs for future upgrades will likely be higher, so doing it now saves you trouble later on.
I see where you're coming from, but 400 amps does feel like overkill unless you're planning on using all that power soon. Just make sure you're comfortable with the upfront cost and think about how much electricity you might actually need. But if an electric car charger is in your future, that could change things.
And don’t forget, a charger doesn’t usually need anywhere near 200 amps. Most run around 40-50 amps, so just be sure you’re clear on your actual needs!

That’s good advice! It might complicate things later if you want backup systems or panels, though, so keep that in mind.