Insulated to almost the passivehouse standard here in Saskatchewan, Canada.
We have a wood stove that we use when it is really cold and cloudy. Otherwise the sun pretty much keeps us heated. There is propane powered heating in the basement slab. Our propane costs about $350 a year. That runs heat, hot water, stove, and dryer. Maybe $100 or so for the space heating a year i would guess.
Our house is 1500 sq ft plus a full basement so 3000 total.
We have no other direct energy bills. Off grid is good to us so far.
All new homes should be insulated to passivehouse or better. No question about it. When doing major renos on existing homes, people should consider adding insulation too.