Inches to gallons for every common heating oil tank

Heating oil K-factor

K-factor is the number your oil dealer keeps on your account to predict when your tank will need oil. It is one division problem, and you can work it out yourself from two delivery slips. It is also the number behind automatic delivery, so the truck arrives before you run out.

The formula

K-factor is the heating degree days elapsed between two deliveries divided by the gallons delivered. The units are degree days per gallon: how much cold weather your house wrings out of each gallon. A lower K means the house burns oil faster. Typical homes land between 3 and 8.

Worked example. Two fills, 45 days apart. Your area logged 900 heating degree days between them, and the second fill took 150 gallons. K = 900 / 150 = 6.0 degree days per gallon.

How dealers use it

Take the gallons of usable oil remaining in your tank and multiply by K: that is your degree-day budget, the amount of cold weather you can cover before running dry. The dealer's degree-day calendar, a running count through the season, turns that budget into a date, and the dealer routes the truck to arrive before the budget runs out. That is all automatic delivery is: the dealer watching weather data so you do not have to watch the gauge.

With the example K of 6.0, a tank holding 100 usable gallons has a 600 degree-day budget. In mild fall weather that lasts a long time. In a January cold snap the same 600 degree days go much faster, which is why the schedule counts degree days and not days on the calendar.

Compute your own from two slips

  1. Find two consecutive delivery slips. The dates matter, and so do the gallons on the second slip: that is what you burned between fills.
  2. Get the degree days between the two dates. NOAA publishes heating degree days for your area, and many dealers print the running total on the ticket itself.
  3. Divide degree days by gallons. The result is your K.

Run it across a few intervals and your own number will settle. That also tells you whether your dealer's automatic schedule is keeping a sane margin in your tank.

What moves your K

Common questions

Is a higher K-factor better?

Higher means each gallon covers more degree days, so the house burns slower. But K is only a planning number. A small tight house and a large drafty one can both be comfortable with very different Ks. Typical homes land between 3 and 8.

Why is my computed K different from what my dealer uses?

Dealers usually average across several deliveries and adjust for hot water use, while one interval is noisy: a vacation, a thermostat change, or guests can skew any single computation. Compute K over two or three intervals before comparing notes.

Does an oil-fired water heater break the math?

It bends it. Hot water burns oil at zero degree days, which drags the effective K down in warm weather, so a single year-round K will misfire in summer. Many dealers handle this with a separate summer usage rate on the account.

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