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The 24 GB question.

The best open models a household can run now fit in about 17–18 GB at 4-bit. That puts the line at 24 GB, just as the cards that have it cost more than at launch.

Issue 001 · October 2026 · Cover story

An unbranded graphics card beside a stack of memory modules, wrapped with a blue strap, on light grey paper
Image: generated with Grok Imagine
4-bit file size, GB
  1. Qwen3 14B9.0 GBVerified
  2. Mistral Small 3.2 24B14.3 GBVerified
  3. Qwen3.8 27B116.5 GBSourced
  4. Gemma 4 31B218.3 GBSourced
  5. Qwen3 32B19.8 GBVerified
  6. Llama 3.3 70B42.5 GBVerified
$1,200
Used RTX 3090, 24 GB
eBay sold price3
$3,499.99
Ryzen AI Max+ 395
mini PC, 128 GB4
$2,499
Mac Studio M5 Max
base configuration5
1.2TB/s
M5 Ultra memory bandwidth
up to 512 GB5

Use cases

What local AI is actually good for, from a private voice assistant to a robot arm.

Rankings

24 GB class, on a used RTX 3090 at 8k context. Speed and quality are listed side by side, never merged into one score.

Sample data
1,358
Highest cited quality score: Gemma 3 27B IT
8of 10
estimated to fit 24 GB at their default quant, 8k context

24 GB class: estimated speed comparison

Single-stream decode estimates, uncalibrated; ±25% is a working assumption, not a measured confidence interval. Sample quality scores are withheld.

#
Model
Quant
Decode, tok/s
Quality score
Licence
1gpt-oss-20bMXFP4245.3Estimate1,287SourcedApache-2.0
2Qwen3 30B-A3BQ4_K_M199.8Estimate1,317SourcedApache-2.0
3Llama 3.1 8B InstructQ4_K_M93.7Estimate1,187SourcedLlama 3.1 Community License
4Qwen3 8BQ4_K_M90.0EstimateSampleApache-2.0
5Qwen3 14BQ4_K_M54.3EstimateSampleApache-2.0
6Mistral Small 3.2 24BQ4_K_M35.8Estimate1,338SourcedApache-2.0

Local vs. subscription

How long a $3,499.99 Strix Halo box takes to pay for itself against each plan.

Sourced hardware price; Sourced power input. Complete mini PC purchase; tax, shipping and peripherals excluded. Electricity assumes 120 W × 4 h/day, 30 days at $0.15/kWh, with no idle draw. Build cards include idle draw. Cost comparison only; capabilities differ.

196months
vs a $20 plan (ChatGPT Plus, Claude Pro). About 16 years.6
17.7months
vs a $200 plan (Claude Max 20×)6
$2.16/ month
electricity at 120 W, 4 h a day, $0.15/kWh7
  1. ChatGPT Pro 500 (top tier)7.0 mo
  2. Google AI Ultra (20×)17.7 mo
  3. ChatGPT Pro 20017.7 mo
  4. Claude Max (20×)17.7 mo
  5. Google AI Ultra (5×)35.8 mo
  6. ChatGPT Pro 10035.8 mo
  7. Claude Max (5×)35.8 mo
  8. Google AI Pro196.3 mo
  9. Claude Pro196.2 mo
  10. ChatGPT Plus196.2 mo

Months to break even = hardware ÷ (plan price − electricity). Heavy tier means the vendors' high-usage plans (5×, 20× or top tier); standard is the ~$20 plan. Local AI pays off on cost only against heavy tiers, or when privacy and unlimited use are the point. Run it with your numbers.

Learn

Explainers that start in plain language and go as deep as you want, with links to the data.

Why is memory bandwidth the speed limit for local AI?

The one-line formula that predicts tokens per second, why a 3090 beats a 128 GB mini PC on dense models, and why MoE models flip the result.

What is a KV cache, and why does it eat my VRAM?

The part of memory that grows with every token you add, why it can outgrow the model itself, and the three tricks that keep it small.

What is quantization, and how much does Q4 hurt?

Why a 54 GB model becomes a 16.5 GB file, what Q4_K_M actually means, and how to choose a quant for your card.

1 Hugging Face, unsloth/Qwen3.8-27B-GGUF file list (UD-Q4_K_M 16.46 GB; Q8_0 29.05 GB), checked 13 Oct 2026

2 Hugging Face, unsloth/gemma-4-31B-it-GGUF file list (Q4_K_M 18.32 GB; Q8_0 32.64 GB), checked 13 Oct 2026

3 Used RTX 3090: eBay sold ≈ US$1,199–1,206, Oct 2026 (getpcparts, bestvaluegpu).

4 US$3,499.99 (computingforgeeks Strix Halo comparison).

5 Apple newsroom, Aug 2026; MacRumors M5 Max vs M5 Ultra.

6 Concept brief §7.3 formula 10, with electricity per note 7. US monthly plan prices from each vendor's own pricing page, checked 2026-10-12.

7 Brief's worked example assumption; edit the rate in the calculator.

Sample data: speeds without a measurement are formula estimates; quality scores and the mockup speed figures are placeholders. See methodology.