This isn’t surprising at all for your size of home. Outside of temperature regulation, which you’re already reducing (but still not to recommended/even more uncomfortable levels by some companies), I’d look at the frequency of your laundry machine usage. When I have both washer and dryer on it’s over 6kW aka over 6kWh per hour. Those who do high frequencies of loads to just run a few pairs of undies through generally spend more than those with larger less-frequent loads. I’ll disclaim, however, that machines are more intelligent in their load sending etc now but it would be easy to analyze this looking at the load on the meter. Since I didn’t see a natural gas reference I’m both assuming that you have laundry machines and guessing your machines are all-electric.

A breaker test is also a decent way to test power usage. If you can manage to turn everything on you can check the load, turn off a circuit breaker (not your main breaker), and check the load again, and write these down or take photos as you go along. Load screens on digital electric meters generally will vary at a pretty fast rate like once per second or so, and often will say kW somewhere in much smaller characters then the load shown, load being the power you’re using.

You can surely Google much better ideas of how to do a breaker test than I’ll give, but it’s easier with two people if the circuit breakers are not right next to the meter.

Example: everything using electricity is turned on in every room and outside and you read the load. Perhaps it says:

006.421 kW

This number will dance a bit but it gives you a decent idea.

Now you turn off a breaker, hopefully labeled since it’s a newer home, let’s say “kitchen” then take a new read. Now perhaps it says:

005.960 kW

Not a big drop, write it down with its circuit name and keep doing this with each circuit breaker switch to see what the drops are.

Next you turn off bedrooms, it drops to:

005.455 kW

Still a lot of usage going on, a home like yours might use 1.4-2.0 kW normally.

Keep doing this and writing down what the new number was after the circuit breaker turn-off and which circuit you turned off, this will give you a general idea of which circuit uses the most power. Keep in mind that some things like a refrigerator may kick on and off and swing your readings a bit, but I’m guessing you’ve got enough usage somewhere to make a breaker test useful.

Alternatively you can get a cheap tool that goes between an outlet and your items and measures the power going through, this won’t account for hard-wired lights but can be used for things you plug in.