Welcome to San Francisco in 2027.

The city's gas water heater ban is barreling forward, and despite some noise about exemptions, the carve-outs are remarkably narrow. Homes with knob-and-tube wiring or sub-100-amp electrical panels might get a pass. Tiny water heaters under a certain threshold might qualify too. But let's be honest — how many regular single-family homeowners in SF actually fall into those categories? Not many.

The real math is brutal. A study pegs the additional cost of going electric at around $3,500 on top of the base installation. And that's before you factor in upgrading from a 120-volt to a 240-volt outlet, which could tack on hundreds — or thousands — more depending on your home's electrical panel. We're talking a potential tripling of what should be a routine home repair.

The timing couldn't be worse. The economy is shaky. Federal rebate programs that might have softened the blow have been gutted. And yet Sacramento and City Hall seem determined to push this through, consequences be damned.

As one SF resident put it bluntly: "Go to the SF Board Meeting and tell them how you really feel."

That's actually not bad advice. Because right now, the people making these decisions don't seem particularly interested in what this costs the middle-class homeowner who just wants hot water without taking out a small loan.

Look — nobody's arguing against cleaner energy in principle. But good policy doesn't bankrupt the people it claims to help. If the city wants to mandate electric water heaters, then the city needs to fund the transition. Full stop. No half-baked exemptions. No means-tested rebate programs that expire before your application gets processed. Real money, real infrastructure support, real timelines.

Otherwise, this isn't climate policy. It's a regressive tax on homeownership disguised as progress.