Finance Tools

Heating Oil Annual Cost Estimator (Winter Season)

Estimate your total heating oil cost for the winter season based on price per gallon, usage, delivery fees, and tax.

Estimate your winter-season heating oil cost. Use monthly gallons if you track average usage, or switch to total season gallons if you have a known estimate.

Example: 3.60 means $3.60/gal.

Typical ranges are 4–7 months depending on climate.

Choose the style that matches your data (delivery logs vs. a seasonal estimate).

We’ll multiply this by winter months to estimate season gallons.

Optional. If you pay per delivery instead, convert to an average monthly fee.

Optional. Use 0 if heating oil is not taxed in your area.

Season gallons ≈ 450 gal over 5 months

Estimated winter total: $1823.20

Fuel: $1620.00 · Delivery: $100.00 · Tax (6.00%): $103.20

Average per winter month: $364.64

Note: Weather, insulation, thermostat settings, and delivery timing can significantly change real usage.

How to use this heating oil annual cost estimator (winter season)

  1. Enter heating oil price per gallon.
  2. Enter your estimated gallons used per month (or per season).
  3. Select winter season length (months).
  4. Optionally add delivery fee and sales tax.
  5. Review the estimated winter total and monthly breakdown.

Example

If heating oil costs $3.60/gal, you use 90 gallons per month for 5 winter months, pay a $20 monthly delivery fee, and 6% tax:

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