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Honestly depending on the size of the home you will be building it may be cheaper to go with electric heat at this point. Gas/Oil prices won't be drastically declining anytime soon. Atleast with a new house it should have good insulation and be efficient.
I looked in for this winter at $2.34/gal for heating oil and it's already around 2.80/gal here so that's pretty good. At $2.34 it will be around $350.00 a month to heat.
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