Energy costs in Vermont are ridiculous. Oil is nuts. Electricity is higher than most other states. Cost of living makes a middle class salary feel poor. sometimes you make a little too much to qualify for some of the programs poorer people get, but have a similar lifestyle because of subsidized food, heat, medical, etc. Maybe you have 2 cars instead of 1.

Heating the room you're in is sometimes the way to go. My basement stays well above freezing, where most of my pipes reside. I've never had a pipe freeze, but if that is an issue, get some heat tape or insulation for your pipes. I turn my heat off if I'm gone all day. But it does suck to still spend a ton to live in a house that isn't freezing, but definitely isn't comfortable. A good sweater and warm socks help.