Choosing the Right Heating System for Your Home

Finding the right heating system for your home is an important choice that impacts comfort, budget, and home value. For military homeowners, selecting the right system can make a big difference in day-to-day living, future maintenance needs, and resale potential. Here’s an overview of the major heating options available, the pros and cons of each, and tips on how to make the best choice for your needs.

Types of Heating Systems

Forced Air Heating Systems
Forced air heating, the most common system in the United States, uses a furnace to heat air, which is then distributed throughout the home via ductwork. This system can be fueled by natural gas, propane, oil, or electricity.

Benefits:

  • Quick heating response and effective distribution throughout the home.
  • Compatible with air conditioning, making it a good all-in-one option.
  • Works well in colder climates and can often be combined with smart thermostats for more efficient temperature control.

Drawbacks:

  • Requires regular maintenance, such as changing filters and duct cleaning.
  • Duct leaks or issues can reduce efficiency and require repairs.
  • Potentially noisy, especially if ductwork is old or improperly installed.

Radiant Heating Systems
Radiant heating systems work by warming floors, walls, or ceilings, which then radiate heat into the room. These systems are often installed in the floor and are especially popular in bathrooms or rooms with tile flooring.

Benefits:

  • Provides a comfortable, even heat without the dryness of forced air.
  • Silent operation with no ductwork, making it cleaner for those with allergies.
  • Excellent for cold regions, as it warms surfaces as well as the air.

Drawbacks:

  • High installation costs, particularly if added to an existing home.
  • Repairs can be challenging and costly, as floors or walls may need to be opened.
  • Limited compatibility with air conditioning systems, which may require a separate solution.

Heat Pumps
Heat pumps are efficient options that transfer heat from outside to inside in the winter, and reverse the process in summer. There are air-source and ground-source (geothermal) options, with air-source heat pumps being the more common and affordable choice.

Benefits:

  • Very energy-efficient, especially in milder climates.
  • Acts as both heating and cooling system, which can save on upfront costs.
  • Generally easy to maintain, with a focus on outdoor unit care.

Drawbacks:

  • Air-source models are less effective in very cold climates.
  • Geothermal systems require higher initial investment and significant installation.
  • Maintenance needs can increase if filters or outdoor units aren’t properly cleaned.

Boilers
Boilers work by heating water and distributing heat through radiators or radiant floor systems. They use natural gas, oil, or electricity and are known for even, consistent heating.

Benefits:

  • Quiet and efficient, with lower air quality impact than forced air.
  • Radiant systems connected to boilers offer excellent comfort.
  • Generally long-lasting with proper maintenance.

Drawbacks:

  • High installation costs, especially if switching from a forced-air system.
  • Radiators or baseboards can limit furniture placement.
  • Less popular in warmer climates and some regions, which may impact resale value.

Why Your Choice of Heating System Matters

Short-Term Maintenance Considerations
Low-maintenance heating systems can be particularly beneficial. Forced air systems and heat pumps, for instance, are generally easier and less expensive to maintain on a short-term basis compared to radiant heating or boilers, which may require more specialized care. Regular filter replacements, cleaning ducts, and ensuring proper insulation can keep forced air systems efficient, while heat pumps need periodic outdoor unit cleaning to remain functional.

Long-Term Maintenance and Resale Value
For resale potential, certain heating systems, like forced air and heat pumps, may appeal more to potential buyers due to their versatility and widespread familiarity. However, in regions with harsher winters, radiant heating and boilers can attract buyers seeking extra warmth and comfort. Investing in a system popular in your region and ensuring it’s in good working order can enhance your home’s value and marketability when it’s time to sell.

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Brittany Grant
December 21, 2025

The PCS girls are absolutely amazing! Jessica and Veronica went above and beyond to help me find a space that has truly become a blessing. Their dedication, patience, and care did not go unnoticed. You truly cannot go wrong with these three ladies. Thank you all so much for everything you do — you each played a major role in the success and growth of Heart of Bluegrass, and I’m forever grateful.

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Katrin Dreisbach
December 9, 2025

Jessica was amazing in finding our dream home! She helped us find it on our time and turns. Supported us through all the Loan application process and paperwork. Gave and still gives us advice when we asked for it. She is an amazing agent on your site. Thank you so much for making this dream a reality for us!

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Tiffany Lok
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October 1, 2025

Jessica is an amazing realtor. Work with her immediately. She was kind, attentive, knowledgeable, and overall an integral part of our smooth transition to Kentucky. Her and her team ensured that all of our questions were answered in detailed. We felt confident in our homebuying experience and above all love our new home. Thank you, Jessica. We are so thankful for you and your hard work. You are the absolute best.

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Amanda Sullivan
August 28, 2025

We recently bought a home in Elizabethtown, KY and used Jessica as our realtor and she did not disappoint! She was always prompt, answered all of our questions and concerns, and was also very knowledgeable about the area and the homes too. I highly recommend her for your next purchase or sale of your home!

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Stephanie Riesenberg
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June 30, 2025

Jess has been the best agent! she has navigated the market well and helped us handle some bumps on the way to closing. She's negotiated hard for us to make sure our needs as well as our buyers were met. I highly recommend her for buying or selling!

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Jenny Haigler
May 25, 2025

Jessica is professional, compassionate and very well connected in the community. The marketing of our home was absolutely stunning with the photos and videos taken. I feel our house was shown in the best way possible. If an issue came up, Jessica immediately had a contact to consult with and resolve the problem. She’s everything you want in a realtor! Thank you.

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Ingrid Yonkin
May 24, 2025

For active-duty Army families like ours, especially with my husband's impending retirement, the thought of another PCS and the transition to a new home can be overwhelming. The search for a realtor who is not only reliable but also genuinely understands your needs and earns your trust is paramount. We found that and more in Jessica Parnell. From the moment we first connected, Jessica's professionalism and exceptional communication stood out. She immediately grasped what we were looking for and provided us with a comprehensive range of options, making the initial search phase incredibly efficient. It's truly remarkable to think that in less than 1.5 months, we were able to close on our beautiful new home in Kentucky and begin this exciting chapter! One of Jessica's greatest strengths was her ability to seamlessly navigate the complexities of our long-distance home purchase. Being located in Virginia added layers of challenges, but Jessica expertly managed every detail, coordinating tirelessly across state lines and ensuring a smooth process despite the geographical hurdles. Her dedication, proactive approach, and unwavering support made what could have been a very stressful experience surprisingly straightforward. We are so incredibly thankful for the referral that led us to Jessica and cannot recommend her and her company highly enough to anyone considering a move to or sale within this area. She is truly instrumental in making dreams of finding the perfect home a reality.

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Tara Jennings
May 17, 2025

Jessica was fabulous! Her marketing of the house was great - we listed on Valentine’s Day and she made a great match-making video that got SO many shares on social media. She was always friendly, super responsive and consistently went above and beyond! We were out of state through most of the process, I was imagining that would cause a lot of stress but Jessica’s help and guidance made it stress-free! Really, really enjoyed working with her - choosing her and her Team was the best decision we made!!

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Amanda Alford
April 22, 2025

I have had the pleasure with working with Jessica on a new home build for one of her clients in one of my communities, and she has been amazing! She is a great advocate for her buyers and asks all the right questions! I have loved working with her this far and cannot wait to continue to do so, and do some more deals together! Keep up the greatness Jessica!

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Phil Stroessner
April 7, 2025

As a lender who specializes in the VA loan, the Realtor is the most important teammate when helping a veteran purchase a home. Jessica was quick to respond and tackled any task that was sent her way so a very deserving service-member could get into his new home quickly!

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Jessica is amazing to work with. I appreciate her dedication and professionalism. I would absolutely recommend her and look forward to working with her again in the near future!!

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Jho Mason
October 28, 2024

As first-time homebuyers, we were both excited and overwhelmed by the home-buying process. Thankfully, we had the incredible opportunity to work with Jessica, who made our experience not only manageable but truly enjoyable. She was patient and attentive, answering all of our questions and addressing our concerns with expertise and kindness. Her knowledge of the local market was impressive, and she provided us with valuable insights that helped us make informed decisions. Jessica truly went above and beyond, and we couldn't have asked for a better realtor to guide us through this journey. We are now proud homeowners, and we owe a huge thank you to Jessica for making our dream a reality. If you're looking for a dedicated, knowledgeable, and supportive realtor, look no further than Jessica. We wholeheartedly recommend her to anyone seeking to buy or sell a home!

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Kellsie Templeton
October 3, 2024

I would 100% recommend Jessica to anyone looking to buy or sell in or around Fort Knox, Kentucky. Her and her team were able to find us our dream home in just a few short days. I consider us pretty tough clients when it comes to purchasing a home, but Jessica was patient and communicative through the entire process. You won’t regret hiring her!

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Joshua Bradley
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August 31, 2024

I’m a MLO and I wish I could work with Jessica with all of my clients! Professional, high level communication, and made sure my clients (who were purchasing from out of state) were taken the best care of. Thank you for everything Jessica!

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Meredith Reyna
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August 28, 2024

If I could give Jessica a bonus star, I would. She went above and beyond to help my family and I find the perfect house and neighborhood for our growing family. During the process, she answered the hard questions honestly and leveraged her network to assist our seamless move in. Jessica and her team come highly recommended.

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Cordeo Reyna
August 27, 2024

If I could give Jessica a bonus star, I would. She went above and beyond to help my family and I find the perfect house and neighborhood for our growing family. During the process, she answered the hard questions honestly and leveraged her network to assist our seamless move in. Jessica and her team come highly recommended.

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Jessica Love
August 23, 2024

Jessica is the best! We worked together for months through my custom build process. She was patient and kind in answering all of my [million] questions. She sent me photo/video updates every week and made sure I was informed even though I was 600 miles away! She went above and beyond for my family, even getting us closed early! I am so thankful to have had such a wonderful agent who has now become a friend!

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Wesley Albritton
August 16, 2024

If you are looking into buying a home in the Fort Knox area and are in search for a wonderful real estate agent, I would highly recommend Jessica. We were moving from Hawaii and needed to purchase a home rather quickly. Jessica stepped in and assisted us in finding and purchasing a home that fit our budget and family size. We are so grateful that she presented with a wealth of real estate knowledge as well as knowledge about the area. She visited homes and sent us videos that we could review and allowed our friends to tag along so that we could have eyes on the properties as well. Jessica, thank you for your kindness, diligence, and patience,

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Kait W
June 24, 2024

Absolutely professional and amazing service. Jess went above and beyond and truly understood our needs while house hunting in the area. I would recommend Jessica to anyone looking to sell or buy in the area. She has a huge network to tap into and was a huge asset to our family as we house hunted out of state!

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Lewis Nicoletto
May 10, 2024

Jessica made the home buying process smooth and easy for us. She was extremely attentive and communicated with us constantly from start to finish. We never felt pressured, only supported. We couldn’t have asked for a better Agent. If you or someone you know are looking for an Agent, look no further. You will be in good hands.

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Rebecca Burgos
May 9, 2024

Jessica is simply the best! In just two weeks, she helped us find our dream home. Whenever we wanted to view a house, she and her team were there for us, putting in the effort every step of the way. Jessica was honest with us, never pushing us to make a decision. It felt like we had our own team of Charlie’s Angels! Plus, they even provided a free moving truck, which was a huge financial help. I highly recommend Jessica to anyone searching for a home. And to top it off, she gave us the most thoughtful housewarming gifts! Love her and the group!!!!

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Carla Loomis-Albea
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March 26, 2024

Jessica has been absolutely amazing to work with!! She is super sweet & helpful! She even vacuumed for me while I was finishing up making things perfect for pictures and kep me from panicking!!

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Katie Dennison
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March 5, 2024

Jessica was fabulous to work with. I appreciate her dedication and professionalism. I would absolutely recommend her and look forward to working with her in the future.