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The use of carpet in a wall-to-wall application actually increases the R-value, or insulation level, of the carpet area, potentially saving homeowners like you utility costs while reducing energy use. The R-value (thermal resistance) measures how much a material resists the movement of heat through a ceiling, wall, or floor in a building. The higher the number, the more effective the insulation.
Carpet with cushion represents a clear advantage in insulation capability over hard surface flooring. Of course, potential energy cost savings by using carpet and cushion in lieu of hard surfaces will vary widely. The type of floor construction, local energy costs, climate, and carpet/cushion type all affect how significant these savings could be.
Obviously, savings would be greater in colder regions of the country.