Just making notes so as l continue to search I don't have to keep looking.
Oil boiler 81% efficient, 117000 btu
AC 3 ton, seer 12, no heat pump
Insulation in the attic, it turns out, is almost non existent. Some sporadic fillings of what almost looks like ground rockwool, but not full coverage and not very deep. Not a fun looking job either, may be worth it to pay someone to blow it in, if I can get all the crap that's stacked in there out without falling through.
I want to plastic over the giant windows in the living room this year too.
I found out the state offers a low interest long term loan (1% interest, 10years, up to $10k) to upgrade HVAC stuff. I think we're going to suffer through this winter with oil costs, then try to apply for it next year to replace the AC with one with a heat pump, and the boiler with something more efficient, preferably with some zone controls.
HEELP
I'm now really thinking about renovations, even if we can't quite afford them yet. I should be able to do most rooms inside of a week, even working by myself. Down to studs, new wiring/outlets/Ethernet, new heavy duty insulation, fresh drywall and paint. The problem will be working around the floorboard radiant heat things from the boiler. I don't know how much they can move to get the drywall in and out.
Thing 2s room is small and flat, with one odd shaped window and 2 doors. My room is mostly flat with just a weird kick out by the door and 2 windows. The living room is mostly large and flat, the fireplace is spaced so a single full sheet would fit on either side. The kitchen and basement are a bit more difficult, and the kitchen would be farmed out because if I'm redoing it I need a professional. Thing 2 prefers her room cold in the winter and isn't tied to the hot water radiant heat, so it's fine until she moves out.
That reminds me I need to look for a tankless or small tank hot water system for her room so I can cut out a giant line of unnecessary plumbing. Only wash clothes with cold water, and for as little as she uses the sink in there, on demand hot water is fine.