My electric rate adding everything up comes out to .28/kwh. I only buy propane and heating oil once a year. Right now oil is 2.89/gal., propane is 2.99/gal. I get my hot water off the boiler. In 1995 when I had everything installed oil was .60/gal., last fall it went up to 4.29/gal. Last year my electric bill was averaging $35-$45/ monthly, now it is over $100. I looked into a heat pump but the incentives were too minimal to pursue. I normally use under 300 kwh of electricity each month and use about 500 gallons of oil a year. I have 2 330 gallon oil tanks Propane use varies, an extended power outage will use more propane in the Generac. I am not doing any major changes to my systems. Let the next person that owns this place do them.