consumer

5G explained: do you actually need it?

Alex Chen--2 min read
5G is the fifth-generation cellular network. In areas with mid-band 5G (most US cities), expect 100-500 Mbps download speeds - 3-10x faster than 4G LTE. In rural areas with only low-band 5G, the difference from 4G is minimal. For most users, 5G is now included automatically and not worth paying extra for.
3D visualization of 5G cellular signal waves from a tower

5G replaced 4G LTE as the marketing flagship of cellular networks. Whether it actually changes your phone experience depends entirely on which type of 5G is available where you use your phone, and what you do with the connection.

The three types of 5G

Low-band 5G

Low-band 5G uses frequencies similar to 4G LTE and travels long distances through buildings. T-Mobile's nationwide 5G coverage is mostly low-band. Speeds: 50-150 Mbps - faster than 4G but not dramatically. Available in roughly 90% of US territory.

Mid-band 5G

Mid-band 5G uses 2.5-3.5 GHz frequencies. Significantly faster than 4G but with shorter range. T-Mobile's "Ultra Capacity" 5G and Verizon's "5G Ultra Wideband" are both mid-band. Speeds: 100-500 Mbps. Available in roughly 75% of urban and suburban areas.

High-band 5G (mmWave)

Millimeter-wave 5G uses very high frequencies (24+ GHz). Extremely fast (1+ Gbps) but range is measured in city blocks and signal doesn't penetrate buildings. Available only in dense downtowns and specific venues. Most users will never connect to mmWave 5G.

Do you need a 5G phone?

Almost every phone sold since 2021 supports 5G. The few that do not are typically budget phones under $200. If you bought a phone in the last 3 years, you almost certainly have 5G capability.

Activating 5G on your existing plan is free at all major US carriers. Most carriers automatically enabled 5G when their networks deployed it.

What 5G actually changes in daily use

Web browsing: faster page loads, but the difference between a 50 Mbps 4G connection and a 200 Mbps 5G connection is invisible for browsing.

Streaming: HD streaming uses 5-8 Mbps. 4K streaming uses 15-25 Mbps. Both 4G and 5G handle these comfortably. 5G matters only if you stream while on a congested 4G network.

Downloads: large file downloads (game updates, movie downloads) finish noticeably faster on 5G.

Latency: 5G has lower latency than 4G, which matters for video calls and online gaming. The difference is real but typically 10-30 ms - perceptible but not dramatic.

When 5G actually matters

Hotspot users in cities with mid-band 5G. The speed boost makes hotspot tethering meaningfully faster than 4G.

Video call users in congested 4G areas. 5G's higher capacity reduces calls dropping or freezing in stadiums, downtown areas, or events.

Cloud-gaming users (GeForce Now, Xbox Cloud Gaming) where latency under 40 ms matters for playable performance.

When 5G doesn't matter

Light phone use - texting, occasional browsing, calls. 4G handles all of this without limitation.

Rural areas with only low-band 5G. Speeds are similar to good 4G; the upgrade is invisible.

Areas with strong 4G LTE coverage but weak 5G. Your phone may switch to 5G with worse signal than your 4G alternative.

Frequently Asked Questions

Alex Chen

Senior Staff Writer

Alex has covered telecom, smartphones, and business communications for eight years. Before DeltaThree, he tested gear for a carrier trade publication and ran the wireless desk at a consumer tech site. He pays his own phone bill.

Keep reading

All Cell Plans & MVNOs

Stay Connected

Get the latest phone reviews, plan comparisons, and telecom deals delivered to your inbox.