Recommendation for best Home Energy Monitoring System

I have 200A service in the U.S.
I am looking for a whole-home Home Energy Monitoring system with the following features:

  • Monitor both “phases” of my 200A mains
  • Monitor 8+ (ideally 16+) branch circuits (15-50A)
  • UL Listed and NEC code compliant (so that I don’t void my home insurance)
  • Integratable with HA (ideally without requiring reflashing as I would also like to benefit from any app that comes with the system
  • “Good” accuracy and reliability
  • Affordable (<$250)

Ideally, I would like to be able to mount the central module itself exterior to the panel so that I can divide the branch monitoring CT clamps between 2 adjacent panels in my basement (the main 200A panel and a 100A subpanel just adjacent to it).

I am currently looking at the Emporia Gen 3 Vue which has 16 branch sensors plus 2 for the main. It has a 3rd party HA integration or one can install ESPHome on it. It’s now $199 on Amazon.

But before I buy, I want to know what other and perhaps even better options are available.

The Emporia Vue 3 is really good, especially with the option to flash with esphome. Their app is not great, but useful in a pinch if you’re not home. For the sake of offering an alternative, I’ve been using this for the past few months which is basically a Vue 2 knockoff that supports local MQTT out of the box without flashing:

I also used an Emporia Vue Utility (Zigbee monitor) with the HACS integration to pull data from their cloud, it worked ok but went offline a lot so I switched to the Fusion to have branch circuit monitoring and remove the Internet dependency.