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A $400 bill at $0.50 per kwh is 800 kwh. Our electricity usage in the month of August was 787 kwh. I wired an energy meter into my circuit panel a month ago, so I can break that down:
If you don't have an EV and you're really keeping your AC at 84 I strongly suspect you have a failing appliance. Unless you live in Phoenix and have a massive and very poorly insulated house or something.
During covid (I was doing remote work, so basically no EV charging), our old dishwasher finally stopped working with a dryer heater error code. When we replaced it our electric bill fell by a double digit percentage (I want to say 20%+) year over year.
As for things like insulation, going from 3" of 1969 insulation to a massive quantity of blown in helped our winter heating bill (gas) a lot more than our summer AC bill.
Good luck!
How did you get the breakdown? We have a really old panel and may be looking at getting a new one in the next year. Would love to be able to see the breakdowns and figure out where it's going. FWIW, in PG&E territory.
Look up "home energy monitor". They install inside your panel. The one we have has a bunch of current clamps, but not enough for our huge panel, so I chose what I thought our more heavily used circuits were. It also measures line voltage. Voltage x current = bingo. I'm not completely sure how I feel about the one I bought, so I'm not going to call it out. I wish it flagged trends per circuit over time to catch things like failing appliances. I could root it and mod it, but it would be nice if it did it out of the box. Catching a failing appliance would more than pay for the device, even if you do it by hand by simply tracking the data. It has slightly changed our habits (see: the furnace blower that we left on all the time and was pulling a constant 500 watts aka 12 kwh/day aka 360 kwh/mo), but I wouldn't expect to find anything crazy unless you have high usage.
Thanks! Looks like lots of options out there.
Our power panel is old and we've been advised it may need replacing. I briefly looked at Span panels, with built-in energy monitoring, but they're not cheap. These monitors look like you at least get the data at a much more reasonable price.