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On average, you’ll need about two gallons of oil per day to heat your house when it’s 50 degrees Fahrenheit outside. Most oil tank capacity is about 275 gallons, and heating your house with two gallons of oil per day will last about four and a half months. This consumption will vary depending on the climate and average temperature in your location. For example, if the winters are longer and colder where you live, you’ll probably need to refill your oil tank at least once to get through the winter.

Deciding whether or not to replace radiators with a different heating system depends on your personal preferences. Radiators can take longer to heat up than a central heating system, and they take up floor space. However, they can be very efficient at heating, and they keep rooms at a more comfortable humidity level in the winter than forced-air systems.

Chilled water HVAC systems use water instead of traditional components and refrigerants. They're more common in commercial settings than residential ones but are slowly being adopted by some homebuilders to cool homes. As the name implies, the system keeps the water chilled at 40 degrees and circulates it through water coils. The water absorbs the heat from your home and drains outdoors. Condo apartments are more likely to have chilled water HVAC than single-family homes because this system is designed to cool several rooms or large areas individually.

The best way to save money on home heating oil is to get large deliveries in the summer months when the prices are lowest. However, this method will only work if you have a separate storage tank or an unusually large primary tank. You can sometimes save money by opting into a delivery contract, as some companies offer set prices that they believe will sit at the average cost over the contract term. If the price of oil rises, you could enjoy some savings, but keep in mind that you might also pay a bit more if the price decreases.