Your insider’s guide to finding the best electricity rates and energy plans in Belmont
If you’re a long-time resident, new to Belmont, a business owner, or need no-deposit electricity, this thorough guide will help you discover your perfect power plan in Belmont.
Belmont electricity rates
| Provider | Plan | Price | Term | Cancellation Fee | Type | Docs | |
|---|---|---|---|---|---|---|---|
J | Just Energy | Smart Choice - 12 Credits | 7.6c per kWh | 12 Mo | $175 | Fixed | |
A | APGE | SimpleSaver 12 Credits | 7.6c per kWh | 12 Mo | $150 | Fixed | |
4 | 4Change Energy | Maxx Saver Value 12 Credits | 7.7c per kWh | 12 Mo | $20/Mo remaining | Fixed | |
F | Frontier Utilities | Saver Plus 12 Credits | 7.7c per kWh | 12 Mo | $150 | Fixed | |
G | Gexa Energy | Eco Saver Plus 12 Green Credits | 7.7c per kWh | 12 Mo | $150 | Fixed | |
R | Rhythm Energy | Rhythm Max Saver 12 Green Credits | 7.8c per kWh | 12 Mo | $20/Mo remaining | Fixed | |
E | Energy Texas | The Lone Saver Plus 12 Green Credits | 7.8c per kWh | 12 Mo | $20/Mo remaining | Fixed | |
A | APGE | SimpleSaver 13 Credits | 7.9c per kWh | 13 Mo | $250 | Fixed | |
A | APGE | SimpleSaver 8 Credits | 8.1c per kWh | 8 Mo | $150 | Fixed | |
4 | 4Change Energy | Maxx Saver Value 8 Credits | 8.2c per kWh | 8 Mo | $20/Mo remaining | Fixed | |
4 | 4Change Energy | Maxx Saver Value 24 Credits | 8.3c per kWh | 24 Mo | $20/Mo remaining | Fixed | |
R | Rhythm Energy | Rhythm Max Saver 24 Green Credits | 8.3c per kWh | 24 Mo | $20/Mo remaining | Fixed | |
A | APGE | SimpleSaver 24 Credits | 8.5c per kWh | 24 Mo | $250 | Fixed | |
R | Rhythm Energy | Rhythm Saver 12 Green Credits | 9.0c per kWh | 12 Mo | $20/Mo remaining | Fixed | |
D | Discount Power | Bill Credit Bundle 24 Credits | 9.7c per kWh | 24 Mo | $295 | Fixed | |
D | Discount Power | Bill Credit Bundle 12 Credits | 9.7c per kWh | 12 Mo | $150 | Fixed | |
C | Cirro Energy | Bill Bonus 24 Credits | 9.7c per kWh | 24 Mo | $295 | Fixed | |
C | Cirro Energy | Bill Bonus 12 Credits | 9.7c per kWh | 12 Mo | $150 | Fixed | |
A | APGE | SimpleSaver 36 Credits | 9.9c per kWh | 36 Mo | $350 | Fixed | |
J | Just Energy | Smart Choice - 24 Credits | 11.3c per kWh | 24 Mo | $175 | Fixed | |
J | Just Energy | Power Plus - 12 Credits | 11.5c per kWh | 12 Mo | $175 | Fixed | |
J | Just Energy | Power Plus - 24 Credits | 11.8c per kWh | 24 Mo | $175 | Fixed | |
T | TXU Energy | Smart Break 12 Credits | 11.9c per kWh | 12 Mo | $150 | Fixed | |
T | TXU Energy | Smart Break 12 Credits | 11.9c per kWh | 12 Mo | $150 | Fixed | |
R | Reliant | Power Savings 12 plan Credits | 12.5c per kWh | 12 Mo | $150 | Fixed | |
R | Reliant | Power Savings 24 plan Credits | 12.5c per kWh | 24 Mo | $295 | Fixed | |
A | Atlantex Power | Luminous 12 | 13.7c per kWh | 12 Mo | $20/Mo remaining | Fixed | |
C | Constellation | 12 Month (No Min Usage Fee) | 13.8c per kWh | 12 Mo | $150 | Fixed | |
A | APGE | True Simple 13 | 14.2c per kWh | 13 Mo | $250 | Fixed | |
A | Atlantex Power | Luminous Green 12 Green | 14.2c per kWh | 12 Mo | $20/Mo remaining | Fixed | |
A | APGE | True Simple 12 | 14.3c per kWh | 12 Mo | $150 | Fixed | |
E | Energy Texas | Texas Bright 12 Green Credits | 14.3c per kWh | 12 Mo | $20/Mo remaining | Fixed | |
E | Energy Texas | Texas Bright 13 Green Credits | 14.4c per kWh | 13 Mo | $20/Mo remaining | Fixed | |
D | Direct Energy | Live Brighter Lite 12 | 14.5c per kWh | 12 Mo | $150 | Fixed | |
T | TXU Energy | Clear Deal 12 Credits | 14.5c per kWh | 12 Mo | $150 | Fixed | |
T | TXU Energy | Clear Deal 12 Credits | 14.5c per kWh | 12 Mo | $150 | Fixed | |
A | APGE | True Simple 24 | 14.7c per kWh | 24 Mo | $250 | Fixed | |
C | Constellation | 12 Month GREEN (No Min Usage Fee) | 14.8c per kWh | 12 Mo | $150 | Fixed | |
R | Reliant | Pure Power 24 plan | 14.9c per kWh | 24 Mo | $295 | Fixed | |
R | Reliant | Pure Power 12 plan | 15.0c per kWh | 12 Mo | $150 | Fixed | |
E | Energy Texas | Texas Bright 24 Green Credits | 15.0c per kWh | 24 Mo | $20/Mo remaining | Fixed | |
A | Amigo Energy | 12th Month Free - 12 | 15.1c per kWh | 12 Mo | $175 | Fixed | |
A | APGE | True Simple 36 | 15.2c per kWh | 36 Mo | $350 | Fixed | |
F | Frontier Utilities | Light Saver 12 | 15.3c per kWh | 12 Mo | $150 | Fixed | |
E | Energy Texas | Texas Bright 36 Green Credits | 15.3c per kWh | 36 Mo | $20/Mo remaining | Fixed | |
G | Gexa Energy | Gexa Light Saver 12 Green | 15.4c per kWh | 12 Mo | $150 | Fixed | |
G | Gexa Energy | Eco Saver Value 12 Green Credits | 15.5c per kWh | 12 Mo | $150 | Fixed | |
D | Discount Power | Essential Saver 12 | 15.5c per kWh | 12 Mo | $150 | Fixed | |
C | Cirro Energy | Simple Advantage 24 | 15.5c per kWh | 24 Mo | $295 | Fixed | |
C | Cirro Energy | Simple Advantage 12 | 15.5c per kWh | 12 Mo | $150 | Fixed | |
D | Direct Energy | Live Brighter Lite 24 | 15.5c per kWh | 24 Mo | $295 | Fixed | |
T | TXU Energy | Clear Deal 24 Credits | 15.5c per kWh | 24 Mo | $295 | Fixed | |
T | TXU Energy | Clear Deal 24 Credits | 15.5c per kWh | 24 Mo | $295 | Fixed | |
F | Frontier Utilities | Saver Value Plus 12 Credits | 15.6c per kWh | 12 Mo | $150 | Fixed | |
D | Discount Power | Wise Buy Basic 24 Online | 15.7c per kWh | 24 Mo | $295 | Fixed | |
D | Direct Energy | Bright Secure 12 | 15.9c per kWh | 12 Mo | $150 | Fixed | |
T | TXU Energy | Solar Value 12 Credits | 15.9c per kWh | 12 Mo | $150 | Fixed | |
T | TXU Energy | Solar Value 12 Credits | 15.9c per kWh | 12 Mo | $150 | Fixed | |
R | Rhythm Energy | Simply Green 13 Green | 15.9c per kWh | 13 Mo | $20/Mo remaining | Fixed | |
A | Amigo Energy | Simply Days Free - 24 | 16.0c per kWh | 24 Mo | $175 | TOU | |
T | Tara Energy | Weekends Free Plan - 24 | 16.0c per kWh | 24 Mo | $175 | TOU | |
A | Amigo Energy | Secure Energy - 24 | 16.1c per kWh | 24 Mo | $175 | Fixed | |
J | Just Energy | Basics - 24 | 16.1c per kWh | 24 Mo | $175 | Fixed | |
J | Just Energy | Simple Choice- 24 | 16.1c per kWh | 24 Mo | $175 | Fixed | |
R | Reliant | Basic Power 12 plan | 16.1c per kWh | 12 Mo | $150 | Fixed | |
R | Reliant | Basic Power 24 plan | 16.1c per kWh | 24 Mo | $295 | Fixed | |
R | Rhythm Energy | Simply Green 23 Green | 16.2c per kWh | 23 Mo | $20/Mo remaining | Fixed | |
A | APGE | Rent Simple Saver 12 Credits | 16.3c per kWh | 12 Mo | $150 | Fixed | |
A | APGE | Rent Simple Saver 13 Credits | 16.4c per kWh | 13 Mo | $250 | Fixed | |
J | Just Energy | Renters Choice - 12 | 16.5c per kWh | 12 Mo | None | Fixed | |
J | Just Energy | Basics - 12 | 16.5c per kWh | 12 Mo | $175 | Fixed | |
J | Just Energy | Simple Choice- 12 | 16.5c per kWh | 12 Mo | $175 | Fixed | |
D | Direct Energy | Live Brighter 1K+ 24 | 16.7c per kWh | 24 Mo | $295 | Fixed | |
A | Amigo Energy | Simply Days Free - 12 | 16.8c per kWh | 12 Mo | $175 | TOU | |
A | APGE | Rent Simple Saver 24 Credits | 16.9c per kWh | 24 Mo | $250 | Fixed | |
A | APGE | Rent Simple Saver 18 Credits | 17.3c per kWh | 18 Mo | $250 | Fixed | |
4 | 4Change Energy | Cash Money 12 Credits | 17.5c per kWh | 12 Mo | $20/Mo remaining | Fixed | |
4 | 4Change Energy | One Rate 12 | 17.5c per kWh | 12 Mo | $20/Mo remaining | Fixed | |
G | Green Mountain | Pollution Free Conserve 12 Preferred Green | 17.5c per kWh | 12 Mo | $150 | Fixed | |
G | Green Mountain | Pollution Free Conserve 24 Preferred Green | 17.5c per kWh | 24 Mo | $295 | Fixed | |
A | APGE | Rent Simple Saver 36 Credits | 17.5c per kWh | 36 Mo | $350 | Fixed | |
J | Just Energy | Simple Value - 24 Credits | 17.7c per kWh | 24 Mo | $175 | Fixed | |
G | Green Mountain | Pollution Free e-Plus 24 Preferred Green | 17.7c per kWh | 24 Mo | $295 | Fixed | |
G | Green Mountain | Pollution Free e-Plus 12 Preferred Green | 17.7c per kWh | 12 Mo | $150 | Fixed | |
J | Just Energy | Simple Value - 36 Credits | 17.9c per kWh | 36 Mo | $175 | Fixed | |
D | Discount Power | Bill Credit Bundle Essential 12 Credits | 17.9c per kWh | 12 Mo | $150 | Fixed | |
C | Cirro Energy | Bill Bonus Base 12 Credits | 17.9c per kWh | 12 Mo | $150 | Fixed | |
J | Just Energy | Simple Value - 12 Credits | 18.0c per kWh | 12 Mo | $175 | Fixed | |
F | Frontier Utilities | Saver Value 12 Credits | 18.1c per kWh | 12 Mo | $150 | Fixed | |
G | Gexa Energy | Eco Saver Lite 12 Green Credits | 18.1c per kWh | 12 Mo | $150 | Fixed | |
T | TXU Energy | Simple Rate 12 | 18.1c per kWh | 12 Mo | $150 | Fixed | |
T | TXU Energy | Simple Rate 12 | 18.1c per kWh | 12 Mo | $150 | Fixed | |
4 | 4Change Energy | Power Maxx Saver 24 Credits | 18.3c per kWh | 24 Mo | $20/Mo remaining | Fixed | |
4 | 4Change Energy | Power Maxx Saver 12 Credits | 18.3c per kWh | 12 Mo | $20/Mo remaining | Fixed | |
F | Frontier Utilities | Saver Deluxe 12 Credits | 18.8c per kWh | 12 Mo | $150 | Fixed | |
G | Gexa Energy | Eco Saver Advantage 12 Green Credits | 18.8c per kWh | 12 Mo | $150 | Fixed | |
J | Just Energy | Mega Saver - 12 Credits | 19.1c per kWh | 12 Mo | $175 | Fixed | |
A | APGE | Ultra Flex 1 | 19.1c per kWh | 1 Mo | None | Fixed | |
A | APGE | High Usage Saver12 Credits | 19.2c per kWh | 12 Mo | $150 | Fixed | |
J | Just Energy | Mega Saver - 24 Credits | 19.3c per kWh | 24 Mo | $175 | Fixed | |
F | Frontier Utilities | Saver Premier 12 Credits | 19.3c per kWh | 12 Mo | $150 | Fixed | |
G | Gexa Energy | Eco Saver Premier 12 Green Credits | 19.4c per kWh | 12 Mo | $150 | Fixed | |
A | APGE | High Usage Saver13 Credits | 19.4c per kWh | 13 Mo | $250 | Fixed | |
R | Rhythm Energy | Watt a Deal 12 Green Credits | 19.5c per kWh | 12 Mo | $20/Mo remaining | Fixed | |
E | Energy Texas | The Texas Two-K 12 Green Credits | 19.5c per kWh | 12 Mo | $20/Mo remaining | Fixed | |
P | Payless Power | 12 Month - Prepaid - No Deposit & No Credit Check Credits | 19.7c per kWh | 12 Mo | $49 | Prepay | |
P | Payless Power | 6 Month - Prepaid -No Deposit & No Credit Check Credits | 19.7c per kWh | 6 Mo | $49 | Prepay | |
T | TXU Energy | Ultimate Season Pass 12 | 19.7c per kWh | 12 Mo | $150 | TOU | |
T | TXU Energy | Ultimate Season Pass 12 | 19.7c per kWh | 12 Mo | $150 | TOU | |
A | APGE | High Usage Saver24 Credits | 19.9c per kWh | 24 Mo | $250 | Fixed | |
T | TXU Energy | Flex Forward | 20.1c per kWh | 1 Mo | None | Fixed | |
T | TXU Energy | Flex Forward | 20.1c per kWh | 1 Mo | None | Fixed | |
D | Discount Power | Bill Credit Bundle 2000 kWh 24 Credits | 20.2c per kWh | 24 Mo | $295 | Fixed | |
D | Discount Power | Bill Credit Bundle 2000 kWh 12 Credits | 20.2c per kWh | 12 Mo | $150 | Fixed | |
C | Cirro Energy | Bill Bonus Saver 12 Credits | 20.2c per kWh | 12 Mo | $150 | Fixed | |
C | Cirro Energy | Bill Bonus Saver 24 Credits | 20.2c per kWh | 24 Mo | $295 | Fixed | |
A | APGE | High Usage Saver36 Credits | 20.5c per kWh | 36 Mo | $350 | Fixed | |
R | Reliant | Power Savings 2,000 kWh 12 plan Credits | 20.6c per kWh | 12 Mo | $150 | Fixed | |
R | Reliant | Power Savings 2,000 kWh 24 plan Credits | 20.6c per kWh | 24 Mo | $295 | Fixed | |
T | TXU Energy | Solar Saver 12 Credits | 20.9c per kWh | 12 Mo | $150 | Fixed | |
T | TXU Energy | Solar Saver 12 Credits | 20.9c per kWh | 12 Mo | $150 | Fixed | |
G | Green Mountain | Pollution Free Green Savings Plus 24 Preferred Green Credits | 21.6c per kWh | 24 Mo | $295 | Fixed | |
T | TXU Energy | Saver's Discount 12 Credits | 22.0c per kWh | 12 Mo | $150 | Fixed | |
T | TXU Energy | Saver's Discount 12 Credits | 22.0c per kWh | 12 Mo | $150 | Fixed | |
T | TXU Energy | Saver's Discount 24 Credits | 23.3c per kWh | 24 Mo | $295 | Fixed | |
T | TXU Energy | Saver's Discount 24 Credits | 23.3c per kWh | 24 Mo | $295 | Fixed | |
D | Direct Energy | Twelve Hour Power 12 Credits | 23.5c per kWh | 12 Mo | $150 | TOU |
You have the power to choose your household’s energy provider in Belmont.
Compare Power is a free consumer service started in 2009 to help residents of Belmont shop for their best energy plan.
These official rates are the identical prices you’ll find calling the energy companies or visiting them online.
Offers from several different energy companies are shown in a simple format that makes evaluating alternatives simple and fast.
This assures Texas consumers avoid hidden charges and marketing gimmicks by comparing plans “apples-to-apples” without consuming hours and hours making phone calls or clicking through dozens of different websites.
Electricity price trends in Belmont
Energy in Belmont has been deregulated. As a resident, you have a choice when it comes to choosing a retail electricity provider (your energy provider), which gives you insight and command over your energy bill.
Deregulation of energy in the state de-monopolized the energy market for the majority of the state, the city of Belmont included, which introduced massive competition.
As a result, many excellent retail electricity providers compete for your business in Belmont by offering low prices, making it a great time to shop, switch, and lower costs on your energy bill.
As many as 60-100 retail electricity providers compete for your account in Belmont and there are hundreds of plans to sort through.
Average electricity rates in Belmont
January 2026The average residential electricity rate in Texas is 16.1¢, 14% less than the U.S. average.
The average Texas business electricity rate is 8.3¢, 41% less than the U.S. average.
EIA Rates
Residential · Texas · last 24 months
- Latest
- 15.7¢/kWh
- Period avg
- 15.3¢/kWh
- Min
- 14.5¢/kWh
- Max
- 16.1¢/kWh
- Emily (TX, United States)
How to find the best energy plan in Belmont
#1 rule: Know your usage!
Determining the amount of energy you will consume each month is the ideal way to shop for power in Belmont. Why is this important?
The “price per kWh” you see electricity providers advertising is for an exact monthly usage (typically 2000 kWh).
Every plan has a different calculation for how your monthly bill is computed, and your monthly bill will change according to how much power you use in each month.
Unless you match the exact advertised usage each month, you will end up paying an effective “price per kWh” different than the one you saw advertised when you enrolled.
Fortunately, there’s a better way to pick your electricity rate.
Calculating your expected monthly bill based on estimated monthly usage, then comparing options by total monthly cost, is the best way to shop for the lowest rate for your household.
Better still, if you have an entire year of usage history for your home, you can compare plans by total annual cost. This annualized method takes into account the changes in usage between summer and winter months and is the absolute best way to determine the right energy plan for your home.
Compare Power does all the complicated math for you in an instant. What takes hours inside a spreadsheet is now done in a few seconds.
We put the power in your hands, taking what would amount to hours of investigation, spreadsheets, and computations across hundreds of offers and navigate you step-by-step to the electricity rate plan that’s best for your household’s usage.
We clarify the details, disclosing all fees and charges, so you’ll know precisely where your money is going and what to expect on your monthly bill.
We then assist you in ordering your plan with your selected electricity provider without leaving our service.
The bottom line is you should determine your expected or historical usage before choosing the right energy plan for your home.

If you don’t know your usage, estimate
If you recently purchased a home or business, or you cannot obtain 12-months of usage history, you can always estimate the average amount of energy that you will use in any given month.
Although knowing the previous 12-months of usage is optimum, it is far better to estimate the average energy consumption than to select the first electricity provider that you see advertised. After all, you have no idea how much energy you will use at that point.
Use Compare Power to find the best electricity plan for your**specific usage.
Moving to Belmont: Setting up electricity
If this is your first time setting up electricity service in Belmont, to get the best rate you need to get the previous 12-months of energy usage for your new home.
Ask the previous home-owner to provide you with their past 12-months of usage.
This information is readily found in recent billing statements.
It may take some effort to acquire usage for the past 12-months, but the time (and savings) will be well worth it.
Once you have historical usage, Compare Power will do the math instantly to help you find the best plan for your home’s usage pattern.
Note: If you are unable to obtain historical usage information, a second option would be to estimate your future usage via utilizing our “Help Me Choose” tool. By simply entering your zip code the tool will be able to assess your home’s projected electricity consumption.
Sign-up for a plan in minutes through Compare Power. We will remind you when its time to return to switch and save at the end of the plan length you decide on.
Switching electricity companies in Belmont
Switching is good. Market conditions are always in flux, so it is important to shop for a lower price every year when your contract is about to expire.
Your existing energy provider will normally raise your electricity rate once your term expires. If you fail to take action, you’ll be left on a month-to-month rate that is significantly more than the plan you signed up.

Before renewing your contract make sure to shop the rates of competing energy companies.
Switching can save you hundreds or thousands of dollars each year on your electricity bill.
Switching is easy:
When you make the switch, your new energy provider will handle everything for you including terminating service with your previous company.
There is no loss of power when you switch. Electricity in Belmont is all delivered by the Oncor Transmission and Distribution Utility.
The wires and poles that deliver power to your home do not change when you switch energy providers. Therefore the reliability of your service is not affected.
You can pick any date up to 14 days early of your current contract’s end date without an “early cancellation” penalty. Texas law protects you here.
If you’re still under contract, check how many months remain on your contract. You can set a future start date with most providers up to 6o days in advance.
The amount saved each month by switching to a different electricity company may outweigh the one-time fee to get out of your contract early.
For help with this, you can send us your latest energy bill via email, and one of our professional team members will contact you shortly to discuss your best options.
If you’re ready to switch and would like to know how to find the best plan remember that knowing your usage is the best way to find the truly best rate.
Keep in mind that when you get ready to switch, and you want to know the most efficient way to find the right plan at the best rate, it is essential that you first understand your usage. To accomplish that, you will need to collect the usage history for the past 12 months.
Belmont energy companies
Showing 30 active providers · residential. Sorted by Google rating.
Are you trying to find an excellent electricity company in Belmont?
You can enroll for service with great companies such as TXU Energy, Reliant, Direct Energy, and more.
To sign up, learn more, or view current rates, click on the company of your choosing.
No-deposit electricity plans in Belmont
If you need to find an energy plan in Belmont that requires no deposit, we can help.
If assessed a deposit on your first plan selection, Compare Power will automatically show you other plans available without a deposit.
That saves you a lot of time and hassle. No more surfing the internet and calling electricity companies to determine if a deposit is going to be required.
Working for you, we will instantly check any deposit requirements for other plans, allowing you to get power and return to your everyday activities stress-free.
**Learn **how to get no deposit lights.
Deposit Waivers
You may be eligible to have the deposit waived if you meet one of the requirements from the Texas Public Utility Commission §25.478 - PUCT §25.478.
If you have any questions about deposit waivers, you can contact us. One of our team members will get back to you as soon as possible.
Belmont business power rates
If you own a business in Belmont, you’re not alone.
Belmont has become a thriving place for many small to midsized companies. The city is small enough to get to know people and thrive, yet close enough to large metropolitan cities that provide even more opportunities for growth.

To lower your energy bill, you need to shop prices from competing providers.
Compare Power bridges the gap between your business and energy providers by inviting various energy providers to compete for your business in a sealed bid process.
You submit your information once and the providers will present their bids. You to pick the best price. Simple, quick, and easy.
Click here** to get competing quotes for your business electricity.**
Belmont utilities
Electricity
To learn more about Smart Meters, or to download your Electricity Usage, visit (866) 223-8508.
To report an issue with your electricity service or power outages in Belmont, visit the https://outagemap.aeptexas.com/ or call them at (866) 223-8508.
Gas
For gas service in Belmont, call or visit Belmont’s official city website to determine who your provider is.
Waster/Sewer/Garbage/Recycling
In Belmont, water, garbage, sewer, and recycling services are usually handled by the City of Belmont.
Other utility service areas in Texas
Not in the AEP Central Service area? Search low electricity rates by service area and local utility company.
Click on your Texas Distribution Utility (TDU) below to compare electricity rates in your service area.
View electricity prices for zip codes in Belmont
Find cheap electricity rates by zip code. Click on your zip code below to find competitive rates in your area.
Popular TX ZIP codes
- 75001
- 75002
- 75006
- 75007
- 75009
- 75010
- 75011
- 75013
- 75015
- 75019
- 75020
- 75021
- 75022
- 75023
- 75024
- 75025
- 75028
- 75032
- 75033
- 75034
- 75035
- 75036
- 75038
- 75039
- 75040
- 75041
- 75042
- 75043
- 75044
- 75046
- 75048
- 75050
- 75051
- 75052
- 75054
- 75056
- 75057
- 75058
- 75060
- 75061
Showing 40 of 1321 TX ZIP codes.
View electricity prices for cities near Belmont
Are you looking for a cheap electricity rate in another city? Find your city below and click to sign up for a low-cost electricity plan.
If your city is not on the list, use the zip code finder for a rate lower than what you currently pay in your city.