An electrical system includes a voltage bus, voltage sensor(s) measuring a first voltage between a positive bus rail and electrical ground, and a second voltage between a negative bus rail and electrical ground, a bias resistor, and a controller. When the switch is closed, the controller measures four or more discrete voltage samples of the first and second voltages. The samples are grouped into first and second sample groups each having three discrete voltage samples, with the second and third voltage samples of the first group being the first and second samples of the second group. The controller estimates a steady-state voltage of the first and second voltages using the sample groups, prior to the first and second voltages converging on actual steady-state voltage values. The controller executes a corresponding control action when the steady-state voltage estimate is stable or unstable relative to a defined stability threshold.