I have been around here asking questions for several months, and getting great answers as well as the guidance on how how to figure out most of the answer myself. Current system: 3 Ton 10 seer AC/Heat pump backed up with Oil. (which currently is low on freon). Running software to do price comparisons it shows me exactly what I am currently using all the way down to the number of gallons of oil. After doing several Manual J calculations using different software packages, and the advice from the experts here, I understand I really need a 2 ton system to heat/cool my space. (plus the way the current system works backup's the idea its over sized). I already have a well that at one time was for drinking water (not being used), but it needs to be made deeper, to meet the local "boots on the ground" suggestions for my area. Plus installing loop, grouting, running pipe to home, etc = $4500. I have been looking at a higher end 2 stage Geo system. These prices reflected below are rounded off, but anybody searching the internet can find prices and I am not listing manufactures or models. Included in prices below is paying someone to come startup the equipment to maintain warranty. 2 ton, 2 stage, including everything I need to install it myself = $7000.00 2 ton, single stage bottom end Geo and everything I need to install it = $3500.00 I also compared this to an Air source Heat pump, 16 seer, 2 stage, variable-speed air handeler, with 95% Propane burner for $3500. Now several cost calculations show me as follows. The High end system will save me $60.00 per month. after putting out $11,500 The low end system will save me $55.00 per month, after putting out $8000.00 Air source Heat pump will save me $35.00 per month, after putting out $3500.00 I tend to be leaning away from Geo at this point. I just don't see the savings as enough to spend the extra money that could be going towards paying my Daughters collage bill.