Additional savings are realized with adobe floors. Radiant heating is the most comfortable and efficient form of heating. The floor is always warm and comfortable and the air temperature is always uniform because heat rises. Rigid insulation under the floor insures that all the heat radiates up into the home. Forced air furnaces contribute to cold and allergy problems because they create dust and dry out the air.
Radiant heat is clean, safe, and quiet.
The savings here come from installing it yourself which is very feasible. Proper siting of the house is necessary so the longest axis of the house faces south. Use high-efficiency windows. Use fewer windows on the east, west, and north walls. Keep in mind other factors such as daylighting, ventilation, curb appeal, etc.