Heating offer comparison - Please share your experiences

Gas-electricity factor and annual performance factor practically neutralize each other. Do you really disagree with that?

On average, it will neutralize for most people. But you wrote that an air-water heat pump has a performance factor of 2 in a cold winter at 28 cents and gas costs 5 cents, so 14 and 5 cents stand opposite each other. But realistically, the performance factor is at least 4. Then it would be 5 against 7 cents. That is one point besides basic fees, chimney sweep, maintenance, and of course acquisition.

For my part, I saw the air-water heat pump + photovoltaic system as more economical for me. To also give some rough numbers: Acquisition heating + photovoltaic approximately 25k€. Electricity costs for heating and household electricity about 0-100€/year Others are also 0€. I will leave out reserves for defects. Over 20 years, the system roughly costs me about 1350€/year.

I also considered gas, I only roughly remember the numbers. Acquisition gas + ST was also about 22k€. Connection costs for us are 2500€. I would then have electricity for comparison at about 600-700€/year. Others about 70€/year for chimney sweep and maintenance. Gas costs would be about 600€ for 10,000 kWh (tendency probably rising sharply over 20 years). I also leave out reserves here. Over 20 years, that would be at least 2600€/year.

If someone installs an air-water heat pump with heating surfaces for 50,000, the calculation naturally looks different, just as if someone gets the gas heating flow temperature for 10,000. It always depends.

Purchase heating+photovoltaics approx. 25k€

Does the price already include the underfloor heating or just the heat pump and photovoltaics?

H't value 0.25 I also have. Living area also 150m2: 3400 watt transmission heat loss (H't*area*tempDelta) 600W ventilation losses (with controlled residential ventilation with heat recovery) = 4kW heating load Real heating load with hot water generation 3kW. At -12° standard outdoor temperature. For the selection of the heat pump, such a simple calculation for the whole house is sufficient. Further safety margins are not necessary in my opinion. For the planning of the underfloor heating, please do room-specific heating load calculation. Hot water storage tank: as small as possible (hygiene) as large as necessary. 200 max. 300l.

it's the same when someone gets the gas heating flow temperature for 10,000. It always depends.

You can get a very good gas heating system complete for well under 10,000 euros including installation and piping, for example, Viessmann Vitodens 333F or Weishaupt ThermoCondens WTC. You can hardly spend more than that right now. Of course, without underfloor heating.

And exactly then the comparison becomes more realistic: because then heat pumps in a complete package are significantly more expensive than gas condensing boilers.

A very good gas heating system can be obtained completely for well under 10,000 euros including installation and piping, for example Viessmann Vitodens 333F or Weishaupt ThermoCondens WTC. You can hardly spend more than that. Of course, without underfloor heating. And that makes the comparison more realistic: heat pumps in a complete package are significantly more expensive than gas condensing boilers.

But one must not forget that you need a chimney and a gas connection, which are not required for a heat pump. When you factor that in again, the difference is no longer significant or the heat pump is cheaper.

But you must not forget that you need a chimney for that

For a modern gas condensing boiler you only need an exhaust pipe, which is very inexpensive -- definitely no chimney. That would only be necessary for fireplaces, gas fireplaces, and the like.

and the gas connection

That is correct, but also not so dramatic in terms of price.

In general, maintenance costs for heat pumps are significantly higher than for gas condensing units. In the long run, you unfortunately save less on regular costs with heat pumps than is often suggested.