oil heat and propane h/w (worst & worst er)... im very surprised to hear you even have NGas as an option at all their (surely someone would have rushed headstrong into NG by now with that horrible combination?)... you could do anything and it would be better than oil heat w/propane h/w!
First things first... get your energy audit done now! http://ctenergyaudit.org/
This link is broken, either the page no longer exists or there is some other issue like a typo.
you start spending money), next start taking advantage of the rebates & credits provided in your area (surly you have that 3" tinfoil insulation in the walls & minimal attack insulation, maybe need an attack stair box, some windows, etc.), find out if any rebates are available for a NG/Coal furnace/boiler with energy eff. rating over 85%? find out if they also offer rebates for dhw options... now, arm yourself with all this and start doing the reno's you can afford (sometimes the insulation jobs can be as low as 25% your cost out of pocket! = $2,000 insulation job cost you $500 period!), rebates could be up to $1,000 off your new furnace, $300 off your DHW), call the gas co. and find out if they will pay for the line to your house (distance they will go), do they have any incentives for you to lie in? etc?... arm yourself with this and then head towards places like leisure line or EFM or whatever and go from their!
a few more links to learn from http://www.wpri.com/news/local/se-mass/ ... e-upgradeshttp://www.hpba.org/government-affairs/ ... tax-credit
by the time im done with all this research i could upgrade my entire house for next to nothing!.... time to get on the freebee Gov dole like everyone else and take advantage and then when your done...make sure you bring a big fat cigar to next meet N greet for Dougie
someone should make a thread called "How to re-build, insulate, upgrade your house with Free Gov. grants"