Selections & Finishes ยท Insulation, Heating & Cooling

Insulation, heating and cooling.

These choices are made before the walls close and decide how comfortable the house is for decades.

Insulation

Insulation and soundproofing

Cold outsideWarm insideWall insulationAttic insulation

Good insulation keeps the cold out and the warmth in, and it's easiest to get right while the walls are open.

Fiberglass batts

Pros: The most economical and the most common.

Cons: Only as good as the fit. Gaps around wires, pipes and boxes let heat slip by, and it doesn't stop air.

Blown-in cellulose or fiberglass

Pros: Fills around wires and odd spaces. The usual choice for attics, and it can be dense-packed into walls.

Cons: Loose fill can settle over time, and walls need netting to hold it in.

Mineral wool batts

Pros: Holds its shape, shrugs off water, resists fire and quiets sound.

Cons: Costs more than fiberglass.

Spray foam

Pros: Insulates and seals air leaks in one step. Closed-cell foam has the most insulation per inch.

Cons: The most expensive, and hard to change once it's in.

Soundproofing

Insulation also quiets a house. These go around bedrooms, bathrooms, laundry rooms and offices.

Sound batts in interior walls

Mineral wool in the walls and floors between rooms. The simplest step, and it makes a real difference.

Sealing the gaps

Sound travels through any opening, so outlets, pipes and door bottoms get sealed, and solid-core doors go where quiet matters.

Sound-damping drywall

A second layer of drywall with a damping compound between, or special sound-rated drywall. Good for media rooms.

Resilient channel or sound clips

Hangs the drywall on clips so it doesn't touch the framing directly. The most effective, and the most expensive.

Air sealing matters as much

Most heat loss comes from air leaks. Sealing the gaps around windows, outlets and framing pays off with any insulation. Exterior insulation, covered in the siding guide, adds another layer.

Heating and cooling

Heating and cooling systems

Here's the same house with each of the common systems. Many homes up here run on propane, since natural gas isn't available everywhere.

Cutaway illustration of a one-story house over a full basement in winter. A propane furnace in the basement sends warm air through metal ducts to floor registers in the living room, a return air grille brings air back, and outside sit a propane tank and a central air conditioner.

Furnace with central air

A furnace burns propane or natural gas and blows warm air through ducts to a register in each room. In summer, central air conditioning cools through the same ducts.

  • Pros: Heats quickly, cools with central air, and it's the most familiar system to install and service.
  • Cons: You feel the moving air and hear it run, and propane means a tank in the yard and deliveries.
The same house cutaway with no ducts: a slim white ductless mini-split unit high on the living room wall blowing warm air into the room, connected through the wall to a small outdoor unit on a bracket, and an empty basement.

Ductless mini-splits

A unit high on the wall in each room connects through a small line to an outdoor unit. It's a heat pump, so it heats and cools on electricity with no ductwork at all.

  • Pros: Very efficient, each room has its own control, and there are no ducts to run. Great for additions, garages and bonus rooms.
  • Cons: There's a unit on the wall in every room you want heated, so covering a whole house takes several.
The same house cutaway with a ducted heat pump: an outdoor heat pump on a stand above the snow, refrigerant lines through the foundation to an indoor air handler in the basement, and the same ductwork feeding floor registers.

Ducted heat pump

An outdoor heat pump moves heat into the house in winter and out in summer, and an air handler in the basement sends it through ducts, all on electricity.

  • Pros: Heats and cools with one system, no fuel deliveries, and cold-climate models keep working well below zero.
  • Cons: It usually has electric backup heat for the coldest nights, and like any electric system it needs power to run.
The same house cutaway with radiant floor heat: red tubing looped under the living room floor, which glows warm, a dog asleep on the rug, and a wall-hung boiler with an expansion tank and a manifold of red and blue lines in the basement. No ducts or vents.

Radiant floor heat

A boiler heats water that circulates through tubing under the floor, so the floor warms the room from below.

  • Pros: Quiet, even, comfortable heat with warm floors, and no blowing air or dust. The dog will find the warmest spot.
  • Cons: It doesn't cool, so summer needs separate air conditioning or mini-splits, and it's slower to warm up after a setback.
The same house cutaway with geothermal heating: a heat pump cabinet in the basement connected to the ductwork, with two pipes running out through the foundation to long loops of black pipe buried in the ground beside the house. Nothing stands outside above the snow.

Geothermal

A heat pump trades heat with the ground through loops of pipe buried below the frost line, where the temperature stays steady all year.

  • Pros: The most efficient to run, it heats and cools, and nothing sits outside.
  • Cons: The highest upfront cost, since the loops have to be dug or drilled.

Recap

SystemHeatsCoolsUpfront costCost to runBest for
Furnace with central airYesYes, with central airLowestDepends on propane or gas pricesMost homes, and anyone who likes a familiar system
Ductless mini-splitsYesYesLow for a room or two, more for a whole houseLowAdditions, garages, bonus rooms and small homes
Ducted heat pumpYesYesModerateLowAll-electric homes that want one system
Radiant floor heatYesNoHigherLow to moderateComfort, bathrooms, basements and slab floors
GeothermalYesYesHighestLowestOwners staying long enough to earn it back
Fresh air

Fresh air and ventilation

Bath and kitchen fans

Vented outside and sized to the room.

Air exchanger

An HRV or ERV swaps stale air for fresh while keeping most of the heat. Well-sealed houses need one.

Keeping heat on in an outage

A generator keeps the heat running when the power goes out. See generators in the electrical guide.

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