For those thinking about GEO in cold climates...dont hesitate. We have a relatively small (1280 sf) 15 year old house located as far north as you can go in NY. Its pretty well insulated. The end of July brought us to a close of our first full year of GEO and solar. We received a credit back from electric utility for $149.58! There is a power meter on the geo unit (2 ton Hydron Module w/ 1200 ft. horizontal ground loop)) which recorded 4285 kWh for a full year of heat and a/c. If we were paying for power (solar covers all of our power) at the local rate of $.15 kWh, the cost would have been $642.75. By comparison, our heat bill alone for the prior year (propane forced air) was $1105.00! Lastly, whether heating or cooling, the house is always the same temperature. Quality of life is much better without the ups and downs of conventional forced air products. Give it a try. You'll be glad you did!