we live in Ohio in a home built around 100 years ago. its needs new windos and insulation. we plan to start putting in new windows 2 at a time in the spring. we have nautral gas.
When we lived in a turn-of-the-century apartment with poor insulation in the Northeast, we used to pay $500 a month for heating oil in the winter. It's one reason we got out of that apartment and refused to move into another that was heated with oil.