Return on Investment

It makes sense to spend money up front to realize ongoing savings on your utility bills.  Not only will these savings more than cover the added expense of foam, your home will be more valuable and easier to sell should you decide to move. 

The cost of foam is typically two to three times the installed cost of fiberglass insulation.  On an average home, this translates into an increase in the monthly mortgage payment of maybe 30 dollars.  That same home will realize energy savings that will easily cover the investment cost and provide positive cash flow.  As heating costs continue to spiral upwards, the savings will increase. 

Many of the design decisions made in the construction of a home can be changed down the road but the choice of insulation is not one of them.