Spending $90,000 for materials means to me that your home will be about a $200,000-$250,000 valued home when completed. You have proposed the minimum insulation amounts. "DL" spoke of super insulated houses. I have also done considerable reading about them. One home builder in upper New York state builds with R-50 sidewalls and R-90 ceilings. He uses lots of caulking and sealants. The extra money required for the higher R value insulation comes from the homes he builds requiring NO HEATING SYSTEMS. The normal heat producing activities, such as from the hot water heater, cooking, the heat produced by computers, televisions, lights, provides all heating. The homes are so tight that of course an air-to-air heat exchanger is needed to provide fresh outside air for the home. While you asked about insulation, I'll throw out some other thoughts too. Please get a GOOD book on the latest framing techniques. They provide strength while also providing "thermal breaks" to stop the transfer of heat. Also use the latest recommendations for wind strapping, i.e. roof hold down clips as well as else where. You spoke of cutting back on windows. Please don't cut back on the south side of the home. For maximum solar gain in the winter, a home needs 10% of the floor square footage in windows. You owe it to yourself to build properly as this may be a once in a lifetime structure. Saving monthy energy expenditures will help pay the taxes and the mortgage should you have one. May your building project go swiftly and provide you with a home even more wonderful than anticipated. Cheers.
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