The water heater in most Tampa homes is around 18% to 20% of the total energy bill. If you set it too high, you’re going to pay a lot more each month on your monthly energy bill. But if you set the temperature too low, it’s possible that you are going to have water that isn’t hot enough. A water heater set too low is not only uncomfortable, but it might cause bacteria to grow in the tank in the tank. This sets up the goldilocks effect. You should never set your water heater below 120 degrees fahrenheit, because diseases & bacteria often develop when there’s stagnant water in your water hea...