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Most of the geothermal home-heating systems that I personally know about have had problems regularly with the compressors, and the systems are new enough that there aren't a lot of servicemen around to fix them. Also, they make the most sense where you need heat in the winter and airconditioning in the summer--not so good for just heating. As in other cases, insulation and weathersealing the house have the best payback. Passive solar and small wood fired back up works well even in Wisconsin and a new house can be easily designed for minimal heating load--with a house that is designed and sited well, you don't need an expensive central heating system.
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