1954 house cost central heating retrofit

The question is first how you want to create the largest possible heating surfaces for the heat pump. A heat pump makes sense if you do more on the house: walls, ceilings, or floors for heating surfaces and also like to improve insulation here and there. If none of this is planned, it becomes critical with the heat pump. A heat pump also makes sense if a lot of personal effort is possible.

I would first roughly decide on a concept, then plan more precisely and get quotes. Depending on where you live, it can be difficult to get heating engineers at reasonable prices.

With the heat pump, the risk is higher that operating costs will get out of control due to poor planning or conditions. With oil or pellets, consumption is more calculable. Personally, I would no longer install an oil heating system.

Is there space for an oil tank or for pellets?

The question cannot be answered in isolation. As mentioned here, the heating system itself plus installation costs start at 20k (oil with radiators). But then you still have the walls open and probably the floors as well. However, since the electrical wiring will probably need to be redone anyway, it doesn't really matter. A heat pump only makes sense in combination with surface heating (classically underfloor heating) and necessarily a reasonably modern insulation of the building envelope. If we talk about total costs of 60-100k for option a) (oil or pellets with radiators), then for option b) (heat pump) it's certainly 150k and up. New roof, insulating the facade, probably new windows as well, etc. Economically, only an oil or pellet heating system is really justifiable.

I would rather make that dependent on the personal contribution.
Dach selbst dämmen Max 3000€. Fassade 20k, Fenster in super wahrscheinlich so um die 25k. Sind wir bei 50k. Estrich raus in EL, dämmen, Fußbodenheizung selbst reinlegen, neuen Estrich rein. Da bin ich auch bei Max 20k. Plus Wärmepumpe. Je nach Heizlast und EL dann mal 5k für eine Luft-Wasser-Wärmepumpe. Sind wir insgesamt bei 75k.
Und trotzdem hast du recht: alles vom Fachmann kostet dann richtig Kohle und bewegt sich auf die 150k zu.

if the ceiling height is high enough, you can work with ceiling heating. there are gypsum boards with built-in heating. just suspend them. a few holes in the wall and floor, pipes on the surface. done. should be cheap, right?