We are in the process of planning a new home in Central NJ. Initially, we had planned a Geothermal system, and we expected to pay around $20K over a standard system. We started looking into solar power as well, and a system large enough to power our home would be about $20K after rebates and sale of greentags. We don't have the money to spend on both, but I figure we'll do better with solar in the long run because we can supplement our heat with a pellet stove or electric heaters (taking into account the solar power), and the solar power will cover the electricity to run the AC in the summer. Am I leaving something out in my analysis?