I spent $800 in oil last winter. Temp was around 62 at night 67 the rest of the time if we were home. I also remodeled the entire house down to the studs, so I have Rtwenty something insulation in the 2X6 walls and ceiling. And the furnace is a fucking monster truck, and we redid all the ducting to match its efficency. which is 89% when we checked it last week. Gas is expensive to install if you dont have it yet, CRD will tell you that one! Septic hasnt fucked up yet so I dont know about that one, and the well sucks. My water blows and I need to add a softner to it so there is $700 or so plus salt in it every so often.