This research examines New York State's electrification initiatives, focusing on the Finger Lakes and Southern Tier regions, particularly investigating the implementation and impact of Power Purchase Agreements (PPAs) for renewable energy procurement. Groton Village, New York, serves as a primary case study, with an analysis of municipally owned electric distribution utility compared to Owego Village’s investor owned and managed utility system. Owego’s investor- owned utility is the New York State Electric & Gas (NYSEG) which is highlighted as a key player, and empirical insights from NYSEG data inform the examination of PPAs' effects on electricity bills and overall affordability. Comparative analysis between Groton and Owego Villages provides insights into PPAs' impacts on household budgets and energy expenditure patterns. Exploration of building energy mixes and implications of electric vehicle (EV) adoption enriches understanding of the energy transition's dynamics. The study aims to provide actionable recommendations for stakeholders navigating energy transition complexities while ensuring equitable access to affordable, sustainable energy solutions.