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There is no blanket figure for a residential home’s electrical load, since load varies by the size of the home, how many appliances are used, and the efficiency of their electrical systems. Typically, however, it’s safe to assume 40 to 60 amps is the average electrical load of a residential home. 

Setting your AC unit to 78 degrees can, indeed, help you save energy. In fact, according to experts, every degree you turn the unit up could save you between 1% and 3% on your energy bills. That said, turning your unit off entirely while you’re out might actually be less efficient than keeping it on at a higher temperature. Why? The unit will need to work extra hard to cool the house back off again after all those hot hours. 

R-value is calculated by dividing the thickness of an insulation material by its thermal conductivity. The material's composition and density influence thermal conductivity. Materials with lower conductivity values provide better insulation. The higher the R-value, the better the material is at insulating, helping homeowners select insulation that meets the energy needs of their climate and home layout.

You can increase your home’s load factor by replacing fuse boxes with a circuit breaker, hiring a licensed electrician to upgrade your electrical panel, upgrading wiring, or installing subpanels. An electrical inspection by an expert can help determine the state of your current electrical systems and how they can be improved.