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March_Latter t1_j20l6hp wrote

I went with Navien. Hot water cost is negligible. My gas bill is mostly the fee's in summer. Summer actual gas cost is maybe $3 for hot water. It seems like you live somewhere other than New England so if its warm enough you can heat with mini split style heat pumps. Here you can not do so efficiently so my current gas bill is $220 for the month keeping the hundred year old 1500sf house a 69 degrees.

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Dont_Mind_da_Lurker OP t1_j20maud wrote

We're in central MA, Worcester County out in the country. Are you referring to your natural gas bill or are you on propane? We don't have natural gas out in the country, so it's either deliveries of oil or propane, or electric from the street.

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March_Latter t1_j20nd8k wrote

I am gas, but the system is the same. Just the cost of fuel is different. I understand Propane costs roughly 6 times more than Natural gas per BTU so you would need to factor that in. Mini Splits lose efficiency from 40 degrees and at 20 lose drastically. So mostly you would have to guess how many cold days you have below 20 that a system would make up for and handle hot water. I think in your odd case keeping oil might be the most cost effective idea.

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