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Understanding U-Factor Ratings for Windows

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A window’s U-factor is a measure of its energy efficiency. Read our guide to learn how to measure U-factor and what determines a window’s energy efficiency.

Written by Stephanie Koncewicz Updated 11/25/2024

Making your home more energy efficient can help you save money on utility costs and enhance your home’s comfort. A U-factor is one of the most critical facets of energy efficiency and measures the efficiency of building materials such as windows, skylights, and doors. Our guide breaks down what a window’s U-factor is, how to correctly interpret ratings, and what you should consider when buying new windows for your home.


What Is the U-Factor in Windows?

A window’s U-factor measures how difficult it is for heat to pass through. A window with a lower U-factor is more resistant to heat flow and provides better insulation than a window with a higher U-factor. All homeowners should strive to have windows with solid U-factor ratings, but it’s especially important for those who live in cold climates. 

There are many benefits to having windows with good U-factor ratings, such as energy savings, less pressure on your HVAC system, enhanced value for your home, and a greater comfort level.


How U-Factor Is Determined

The National Fenestration Rating Council (NFRC) determines U-factor ratings using laboratory tests that simulate different environmental conditions. Ratings consider the insulating properties of a window’s glass, its frame, and its spacers.   

The best, or most energy-efficient windows, have a low U-factor that’s between 0.30 and 0.15. Double-pane windows are usually closer to 0.30, while triple-pane windows are closer to 0.15.


U-Factor vs. R-Value

U-factor measures a window’s heat transfer, while R-value measures resistance to heat transfer. R-value estimates how well a material insulates or resists temperature transfer, and a higher R-value points to better insulation. R-value is a more common measurement for roofs, walls, and floors.


Other Energy Performance Metrics

A building’s energy efficiency is the product of its U-factor measure and a handful of other key energy performance metrics. Read more about these below.

  • Air leakage (AL): The AL is the measure of cubic feet of air that can pass through a square foot of window area. The lower the AL, the less air that can pass through the window.
  • Condensation resistance: Condensation resistance is a material’s ability to resist the formation of condensation on its interior surface. Condensation resistance is expressed as a number between 0 and 100.
  • Solar heat gain coefficient (SHGC): The SHGC indicates how well a window, skylight, or door blocks heat from the sun. It’s often expressed as a number between 0 and 1. The lower the number, the more successful the SHGC.
  • Visible transmittance (VT): VT is the amount of visible light that transmits through a window. The higher the VT, the more light a material allows through.

Pay close attention to all of these numbers and metrics as you prepare to purchase or upgrade your windows. This will lead to a more energy-efficient home.


Understanding the NFRC Label

The NFRC publishes energy performance ratings across multiple categories so you can compare different energy-efficient windows, doors, and skylights. You’ll find information on U-factor, SHGC, VT, and AL ratings. 

These numbers will appear from left to right across the window label in bold type. Look for low numbers when scanning the U-factor, AL, and SHGC metrics, and look for high numbers when scanning the VT and condensation resistance metrics. Not all NFRC labels include condensation resistance, which is an optional feature.


Ideal U-Factor and SHGC by Climate

High-quality windows are a smart investment no matter where you live, but your ideal U-factor might vary depending on the climate of your area.

  • Cold climates: The ideal U-factor for colder climates, or areas in which homeowners rely on heating units for most of the year, is around 0.30. An ideal SHGC should be somewhere between 0.42 and 0.63. 
  • Hot climates: The ideal U-factor for hot climates, or areas in which homeowners heavily rely on air conditioning units for most of the year, is 0.60 or less. An ideal SHGC rating is around 0.25.
  • Mixed climates: The ideal U-factor for mixed climates is anywhere between 0.32 and 0.35. The specific number depends on the region in which you live. An ideal SHGC should be between 0.26 and 0.40.

Energy Star provides recommended ratings by climate zone if you aren’t sure of your ideal U-factor. Many window installation companies can also offer guidance.


Choosing Energy-Efficient Windows

Below are a few tips to help you shop for new windows efficiently.  

  • Balance the U-factor with the SHGC based on your climate. 
  • Choose insulated window frames, such as fiberglass or vinyl, for enhanced energy efficiency.
  • Consider the whole window’s U-factor, not just the U-factor of the glass portion. A window’s frame can also play a role in the overall U-factor.
  • Look for the Energy Star label, and make sure you understand how to interpret it. Ask for help if you aren’t sure how to properly read it. 
  • Choose nonmetal spacers, which are especially energy efficient and reduce condensation.
  • Select double- or triple-pane glass for superior SHGC and U-factor ratings.

Choosing energy-efficient windows is beneficial to your home and the environment. If you have any questions about finding the right windows for your home, seek the guidance of a professional.


Our Conclusion

A window’s U-factor is a very important measure of its energy efficiency. However, homeowners should also consider the SHGC and the climate in which they live before buying new windows. Take the time to familiarize yourself with these metrics, the NFRC label, and the Energy Star certification before moving forward with replacement windows.


FAQ About U-Factor Windows

What U-factor is best for cold climates?

The U-factor that’s best for cold climates is around 0.30.

How is SHGC different from U-Factor?

SHGC measures the amount of solar radiation that passes through a window, while the U-factor measures how well a window provides insulation.

Can I increase efficiency without replacing windows?

Yes, you can increase efficiency without replacing your windows by hanging shutters over them, making sure there aren’t leaks or cracks in your windows, or adding energy-efficient window coverings.

Do Energy Star windows block noise?

Yes, Energy Star windows block more noise than non-Energy Star windows.

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