Posted By Brianh on 06/05/2009 4:09 PM
Thanks for the thoughtful reply. you have confirmed my suspicions about what my strategy should be. Insulation is not as sexy as new windows but it does seem to make the most sense. I think the existing insulation is rigid fiberglass. Our existing windows are well shaded on the south and there are no windows on the west. we do have 4 very large windows 35sf ea. on the north but they are fixed w/ good storms. overall they seem to be fine for now.....next i need to spend time in the 16" high crawl sealing duct-work. yee haa!

Enjoy! (If you can call it that...) I don't s'pose your crawlspace ducts are insulated either, eh?
If the crawl space has open vents (often do), converting it into an insulated sealed mini-basement (micro basement?) with a poly vapor retarder floor and XPS insulated walls can be a pretty big efficiency boost too- could be 25% or more of your heat loss is out the bottom (after you insulate the roof, that is...). The fact that your ducts live there may make it worthwhile. For some discussion on the subject, download this:
http://www.buildingscience.com/documents/reports/rr-0401-conditioned-crawl-space-construction-performance-and-codes
There is more on the subject on the BuildingScience site as well. material costs would be low, but the pain-in-butt factor is likely quite high... (Having spent time insulating a 30" crawlspace I suspect insulating & sealing it from the outside might be a better method.)
A decent not-too-tough tool for figuring out what the next-most cost effective hack would be, try filling out the 101 question profile on your place here:
http://hes.lbl.gov/
(Save the session number- they'll store your profile data forever, so you can do it a piece at a time, modify it as you figure out more, etc.)
It's based on local weather data, and is a recursive model calculating annual heating/cooling loads & gains on a more continuous basis (it'll factor in average cloud cover, not just temperature when figureing solar gains, etc.) When you get the entire profile filled in an run the calc, check the energy use numbers against historical reality- if it's within 25% of reality, it's close enough to work with the cost/benefit analyis "upgraded details" spreadsheet it generates. If it's off by quite a bit, figure out what might be wrong/tweakable in your profile to get a better fit, then run it again. Be sure to insert your ACTUAL delivered-price for utilities in your profile rather than accept their database numbers for the "state average", which can affect the cost-effectiveness numbers dramatically.
The cost-benefit stuff has crazy numbers filled in for actual costs- do your own estimates (or get quotes), fill real numbers into the cost-benefit spreadsheet an have it readjust. Generally anything with a sub3 year ROI is a no-brainer (like duct-sealing), but the top 5 things recommended (once realistic guesstimates are inserted) usually deserve a closer look with a sharp pencil/calculator. It definitely changed the order in which I've been working retrofits on my place. (And better windows are currently down at number 6 or 7 on my modified list, and a high-ticket hack at that.)