I was just talking with the wife, and was trying to figure out (and explain to her) how much we are saving burning pellets. Home heating oil here is currently 2.99 a gal and pellets are as cheap as 187 a ton (at lowes). I just wondered at this rate what is the savings /payoff of my pellet stove installed 2 years ago that cost me 3600? I was burning about 800 gal a year of fuel oil, now Im burning about 200 gal. of propane for hot water and Im averaging 5 tons of pellets ayear. Propane here now is cheaper than oil, but usually about the same. The 5 of us (4 f and 1m) do use a lot of hot water, and the house is always between 68-70 degrees.any thoughts?