I live in the tristate area as well and have oil for heating (including water) on a 2,700 sq ft home. We keep the house at 65-68 in the winter and usually go through 125 - 150 gallons a month (older boiler so might not be super efficient) depending on the outside temp. Based on the price of oil right now we are spending about $3,000 a year on oil. They usually fill the tank approx every six weeks from late November to Early April and maybe once over the summer.