Yes… I have experience here. I’m using dynamic energy tariffs so during real sunny weekends the price can be negative - I get paid to consume power. As you’d might imagine, I charged the EV, disconnected my solar panels, turned on all HVAC to max cooling and set both my ovens to clean-mode…….. Put some clothes in the dryer, tripped my fuse and cost me €140,- to replace it. Also, power for that phase went out which contained one of the ovens, which was midcycle. Couldn’t cool itself down, melted the plastics 😬. But at least I gained €4 during the timeframe it worked.

As a European those power draws listed sound absolutely absurd to me. I mean, I can easily believe you, but a stove pulling 50 A at 240 V, so 12 kW, sounds like a complete overkill in normal use. The dryer power use also sounds comically high, when viewed from a country where heat pump dryers are the norm.

Let's go for a standard single family home example. Level 2 charger is either 8 A (5.5 kW) or 16 A (11 kW) three phase. On top of that, typical sauna is 6-7.5 kW, 1-2 heat pumps (approx. 1.5 kW a piece), stove (8.5 kW max), water heater (2-3 kW), + other appliances like dishwasher, washing machine etc.

It would seem like that easily trips the breaker, but you won't be charging the car and warming up the sauna at the same time, unless opting to 5.5 kW charging. However, you typically charge the car at night, when the other things running are the heat pumps and the water heater – this will end up drawing around 16 kW total (in the worst case scenario) which fits in the limit. When you don't count the car into the mix, there's plenty of power to go around.

There are multiple reasons behind this. One is our homes are relatively well insulated, which means that we can get by with a lot less AC and heating. Appliances in the EU are also generally more efficient – as an example, our dryers are typically based on heat pumps and pull a lot less amperage for the same performance. Lot of homes also don't have a dryer. Stoves have generally lower power requirements as well, and practically never draw peak power. Here's an example washer+dryer combo where the suggested fuse for the whole thing is 10 A (meaning 2.3 kW available for the combo).

So listing the same appliances you have (at 230 V single phase equivalent for simplicity, i.e. 75 A available (3 * 25))

• level 2 EV charger: 24-48 A depending on chosen speed
• stove: 20 A
• Heat pumps (also used for AC) worst case scenario approx. 15 A, practically only reached for longer periods in extreme cold
• dryer and washing machine: 10 A
• water heater: 16 A

Which will result in 79 A total worst case or 103 A depending on the car charger spec. A bit over the 75 A available, and not calculating additional smaller loads like the microwave, kettle, TV, lighting etc. That worst case will in practice never be reached, though, and even the main breaker typically has some tolerance before it trips (usually main breaker is using a slow-blow fuse equivalent profile, which doesn't immediately trip with a minor overload or a short spike). Our code mandates enough tolerance in wiring gauges that this doesn't pose any risk.

Why don't we want the added headroom then? Upgrading the service from 3x25A to 3x35A isn't really that expensive in urban areas, and can be done relatively simply? Well – Finns are stingy and depending on who happens to own your local distribution grid you can get heavily penalized monetarily in the long term, when upgrading the service to a higher tier. Caruna owns a lot of the Finnish distribution grid nowadays, and as an example from their pricing chart going from 3x25A to 3x35A raises your monthly base rate from 29.71 € to 51.68 €. That's 240 € extra per year, which is a pretty high cost for a just in case that's easily avoided. In cities that still have municipally owned distribution (Lahti, Turku, Helsinki as an example) the costs are typically much lower, both for upgrading the service and monthly costs, compared to the privately owned grids.

Aside from the heat pump we have all of these things and they’re often running all at once. Never had an outside

It’s the same in any country with buildings over 100 years old.

In here 100+ year old houses are pretty common but practically all of them still have at least somewhat up to date electrics with that 3-phase input. It's been around for decades after all. My house is built originally 1928 and my mothers house is from 1909 and both of them have 3x25A main breakers with those 380V 16A CEE sockets around.

And as garages commonly double as a work space with 3-phase induction motors on the tools it's still pretty common to have that 3x16A available as it's not that much more expensive to pull 5x2.5mm² cable to the garage compared to 3x2.5mm² for single phase 16A outlet.

Yep – US also doesn't generally do residential three-phase unlike many countries in the EU. A lot of garages around here have 3x16A 230V, not (only) due to the power requirements but because having three phases allows for simplest induction motors for things like blowers and circular saws. When you have three phases having a proper outlet in the garage starts making sense.

Around here (Finland more specifically) we have three-phase even in most apartments. My two bedroom apartment has a 3x25A main breaker, and two devices on 3x16A circuit's – the sauna stove and oven+stovetop. Most single-family homes have 3x25A or 3x36A as well.

US households are missing out on a lot of things due to their split-phase system.