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THE WIRE GUIDE — CHICAGO

What Size Wire for a Subpanel? (60A, 100A, and the Ground Wire Question)

A subpanel feeder is four wires, not three — two hots, a neutral, and a separate ground — and the ground and neutral stay separated at the subpanel. Get the sizing and the separation right and the rest is straightforward.

FEEDER SIZING BASICS

The wire is sized to the feeder breaker

A subpanel is fed by a breaker in the main panel, and the feeder conductors are sized to that breaker's rating. A 60-amp feeder breaker gets wire rated for 60 amps; a 100-amp feeder breaker gets wire rated for 100 amps. The subpanel's own main breaker (if it has one) doesn't set the wire size — the feeder breaker does.

The common sizes, copper and aluminum, assuming 75°C-rated terminations (standard on modern panels and breakers):

Feeder breakerCopper feederAluminum feederGround wire (copper)
60A6 AWG4 AWG10 AWG
100A3 AWG1 AWG8 AWG

The feeder sizes come from the 75°C column of the NEC ampacity table — 6 AWG copper is good for 65A, 3 AWG copper for 100A, 4 AWG aluminum for 65A, 1 AWG aluminum for 100A. The ground sizes come from NEC Table 250.122, which sizes the equipment ground off the breaker rating: 60A gets 10 AWG copper, 100A gets 8 AWG copper. For the full ampacity table these numbers come from — all three temperature columns, copper and aluminum — the wire gauge chart is the master reference for this article.

One trap to avoid: NM-B (Romex) uses the 60°C column, not the 75°C column. 6 AWG NM-B is only good for 55 amps — not enough for a 60-amp feeder. Subpanel feeders run in SER cable or individual conductors in conduit, which can use the 75°C ratings. Don't run 6/3 Romex on a 60-amp feeder breaker and call it done.

THE 4-WIRE RULE

Ground and neutral stay separate — the #1 subpanel confusion

At the main panel (the service entrance), ground and neutral are bonded together — one system, one connection point. At every subpanel downstream, they must be separate: the neutral lands on an isolated neutral bar, the ground lands on a ground bar bonded to the panel enclosure, and no bonding jumper connects the two. Four feeder wires: two hots, one neutral, one ground.

Why it matters: the neutral carries normal return current. The ground should never carry current — it exists only to clear faults. Bond them together at a subpanel and normal neutral current splits across both paths: the ground wire, the conduit, the panel enclosure all become current-carrying. That's energized metal where you don't expect it, and it's exactly what the separation rule exists to prevent (NEC 250.32(B)(1) for feeders to separate buildings; the same separation applies to any subpanel).

In practice, this is the thing that fails inspections most: a subpanel installed with the green bonding screw still in the neutral bar, or the ground and neutral landed on the same bar. Pull the bonding screw, separate the bars, land four wires. If you're buying a used panel or working with an old install that has a 3-wire feeder (two hots + neutral, no ground), that was legal before the 2008 NEC under an exception — new work is four wires, no exceptions.

PLATE No. 017 SUBPANEL INTERIOR — THE 4-WIRE RULE IRONCREST ROLLING MEADOWS, ILL. SUBPANEL ENCLOSURE L1 L2 HOT (BLK) HOT (RED) NEUTRAL BAR — ISOLATED (WHITE) GROUND BAR — BONDED TO CAN (GRN/BARE) NO BONDING SCREW — NEUTRAL ≠ GROUND HERE FEEDER SIZES (75°C) 60A FEEDER6 CU / 4 AL GROUND10 CU 100A FEEDER3 CU / 1 AL GROUND8 CU NM-B USES THE 60°C COLUMN — 6/3 ROMEX IS 55A, NOT 60A. RUN SER OR CONDUIT FOR FEEDERS. 4 WIRES: 2 HOTS + NEUTRAL + SEPARATE GROUND. ALWAYS.
The separation is the point: neutral isolated, ground bonded to the enclosure, never joined at a subpanel.
ALUMINUM FEEDER ECONOMICS

Why so many subpanels run aluminum

Copper is the better conductor; aluminum is the cheaper feeder. For a long run to a detached garage, the price gap between 3 AWG copper and 1 AWG aluminum is real money — which is why aluminum SER cable dominates residential subpanel work.

The budget classic is 2-2-2-4 aluminum SER — two 2 AWG hots, a 2 AWG neutral, and a 4 AWG ground, all in one cable. 2 AWG aluminum is good for 90 amps at 75°C, and for a dwelling-unit feeder the Code's 83% sizing rule (310.12) brings a 100-amp dwelling feeder down to an 83-amp requirement — so 2-2-2-4 is the standard economical answer for a 100-amp residential subpanel feeder. Have your electrician confirm the 83% rule applies to your setup; it covers feeders serving the dwelling's load, not every feeder in every building.

Aluminum done right is safe — modern AA-8000 series alloy, properly torqued terminations rated for aluminum, antioxidant where specified. Aluminum done wrong (loose lugs, wrong devices) is where the horror stories come from. If the panel lugs say CU/AL or AL, you're fine; torque to spec with a torque screwdriver, because "tight enough" isn't a torque value.

DETACHED BUILDINGS

Garage and shed subpanels have three extra rules

A subpanel in the same building is one thing. A subpanel in a detached garage, shed, or outbuilding adds three requirements:

1. A disconnect at the building. The Code requires a disconnecting means at a separate structure (225.31). A subpanel with a main breaker satisfies this neatly — it's the disconnect. Size it for the feeder.

2. A grounding electrode at the building. A detached structure with a subpanel needs its own ground rod(s) connected to the subpanel's ground bar (250.32(A)). This is in addition to the equipment ground wire in the feeder — the ground rod handles lightning and voltage stabilization; the feeder ground wire clears faults. You need both.

3. Four wires, still. The separate-building rules don't relax the separation — ground and neutral stay apart at the subpanel, bonded only back at the service. The old 3-wire exception is grandfathered for existing installs; new feeders are four-wire.

And the feeder to that detached building is usually underground — here are the burial depths by wiring method.

BEFORE YOU SIZE

Do the load calculation, then call it a day

Wire size follows the feeder breaker, but the feeder breaker should follow a load calculation — the actual loads the subpanel will serve. A 100-amp subpanel feeding two lighting circuits and a receptacle is wasted capacity and wasted copper; a 60-amp subpanel feeding a welder, a compressor, and an EV charger is undersized on day one. Add up the loads, apply the demand factors, then pick the feeder.

Safety disclaimer, plainly: this article teaches how subpanel sizing works — it doesn't replace the Code or a licensed electrician. Feeder work touches the service, the grounding system, and the inspector's checklist. In the Chicago area, most of this work needs a permit and an inspection. Size it yourself to understand the quote; hire the electrician to do the work.

Electrical contractor with feeder offcuts, partial SER reels, or project surplus from panel upgrades? We buy contractor wire surplus at resale value — anywhere in the country. Fast, free quote.

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FREQUENTLY ASKED QUESTIONS

Subpanel wire questions, answered.

What size wire do I need for a 60 amp subpanel?

6 AWG copper or 4 AWG aluminum for the feeder conductors (at 75°C terminations), with a 10 AWG copper ground per Table 250.122. Don't use 6/3 NM-B — it's limited to the 60°C column (55A).

What size wire do I need for a 100 amp subpanel?

3 AWG copper or 1 AWG aluminum, with an 8 AWG copper ground. The economical residential answer is usually 2-2-2-4 aluminum SER, which covers a 100-amp dwelling feeder under the 83% rule.

Does a subpanel need a separate ground and neutral?

Yes. At any subpanel, the neutral bar is isolated and the ground bar is bonded to the enclosure — no bonding jumper between them. Ground and neutral are only bonded together at the main service panel.

Can I run a 3-wire feeder to my garage subpanel?

Not for new work. The Code has required a separate equipment ground in feeders to separate buildings since 2008 — four wires. Existing 3-wire feeders installed under the old exception can stay, but anything new is 4-wire.

Does a detached garage subpanel need a ground rod?

Yes — a separate structure needs its own grounding electrode (ground rod) connected to the subpanel's ground bar, in addition to the equipment ground wire in the feeder. The rod and the feeder ground do different jobs.

Can I use aluminum wire for a subpanel feeder?

Yes — aluminum SER is the standard economical feeder. Use modern AA-8000 series alloy cable, terminate only on lugs rated CU/AL or AL, and torque to the manufacturer's spec. Done right, it's safe and code-compliant.

Do I need a disconnect at a detached garage subpanel?

Yes. A separate structure requires a disconnecting means — a subpanel with a main breaker satisfies this. It's one of the three extra rules for detached buildings, along with the ground rod and the 4-wire feeder.

IRONCREST KNOWS WIRE

I know wire. That's how I know what it's worth.

Feeder cable is some of the best resale wire there is — SER, THHN, big copper — and we see it on partial reels from panel upgrades all the time. Knowing the sizes is how we price it fairly. That's also how we know when usable wire is worth more than the yard pays for it.

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