Four zones, not one national standard
ENERGY STAR doesn't set one U-factor for the whole country. Version 7.0 of its window specification, effective since October 23, 2023, defines four climate zones, Northern, North-Central, South-Central and Southern, each with its own certification criteria.[1],[2]
The four zones' numbers
Northern requires a U-factor of 0.22 or lower and an SHGC of 0.17 or higher. North-Central requires a U-factor of 0.25 or lower and an SHGC of 0.40 or lower. South-Central requires a U-factor of 0.28 or lower and an SHGC of 0.23 or lower. Southern requires a U-factor of 0.32 or lower and an SHGC of 0.23 or lower.[1]
Every zone also has to meet a 0.3 cfm per square foot Air Leakage ceiling to qualify at all.[1]
Why the U-factor requirement gets looser moving south
Colder zones demand a lower U-factor because heat loss through the glass is the dominant energy cost there. As you move toward warmer zones, U-factor still matters, but less severely, which is why the ceiling relaxes from 0.22 in the Northern zone to 0.32 in the Southern zone.
Why the Northern zone's SHGC rule runs backward
North-Central, South-Central and Southern all cap SHGC, limiting how much solar heat a window can let in. The Northern zone instead sets a floor, requiring SHGC of at least 0.17, because in a cold enough climate, solar heat gain through south-facing glass heats the room at no fuel cost at all, and a window that blocks too much of it forces the furnace to work harder to make up the difference.[1]
Where Washington, California and Florida homes tend to land
Washington, California and Florida each cover a real range of IECC climate zones rather than sitting entirely in one, so the same state can straddle more than one ENERGY STAR zone depending on the county. That's exactly why this site reports climate and ENERGY STAR zone at the city level on each city page, instead of asserting one number for an entire state.[1]
Certification is a floor, not a ceiling
A product that just clears its zone's requirement is meeting the minimum, not necessarily the best available option in that zone. Many manufacturers publish U-factor and SHGC numbers well past the certification floor, and comparing the specific number on a quote against the zone requirement, rather than just checking for the ENERGY STAR mark, is how you tell the two apart.
How to use this when a quote lands in front of you
Find your climate zone on this site's city pages, then ask for the U-factor and SHGC of the specific product you're being quoted rather than trusting a general ENERGY STAR claim on the sales sheet. If the number offered exactly matches the zone floor, ask what it would cost to beat it; the gap is often smaller than the gap between window styles or frame materials.