I'm in NJ just west of Manhattan and I could not make the numbers work at all. I have averaged about $1.05 a therm for gas and my heat bills are very low even i

I'm in NJ just west of Manhattan and I could not make the numbers work at all. I have averaged about $1.05 a therm for gas and my heat bills are very low even in Jan/Feb. On the other hand I pay 16.5 cents /kwh for electric. I ran the numbers through a spreadsheet and I would be paying an extra $100 a month for heat and an initial cost of 10k more for the install, and the ac side would have a slightly lower seer than the best ac systems available. I would need a COP of 5 for a heat pump to be more efficient. They don't exist for air source. I live in a brownstone/townhouse and while geothermal is theoretically feasible ( I have a small yard) I called every installer I could find in the tristate and none would attempt it. I was immensely disappointed but I cant be paying more upfront and ongoing. If I had solar it would be a bit better but last time I attempted it I only got 2 bids out of the 30 installers I called and then COVID hit. The numbers weren't especially encouraging. I can't get that many panels on my roof due to firecodes.