The 2012 International Energy Conservation Code (IECC) yields positive benefits for Pennsylvania homeowners. Moving to the 2012 IECC from Chapter 11 of the 2009 International Residential Code (IRC) is cost-effective over a 30-year life cycle. On average, Pennsylvania homeowners will save $8,632 with the 2012 IECC. Each year, the reduction to energy bills will significantly exceed increased mortgage costs. After accounting for up-front costs and additional costs financed in the mortgage, homeowners should see net positive cash flows (i.e., cumulative savings exceeding cumulative cash outlays) in 1 year for the 2012 IECC. Average annual energy savings are $515 for the 2012 IECC.