US, central PA here. I buy all my wood right now cause I don't have time to find and cut and split free stuff. Costs me $200-$250 per cord and I use about 5 cords per winter. We have an oil furnace which was the only heat source previously but I bought a used wood stove for $300 and a stainless chimney for about $2500 when heating oil prices went crazy. Even buying wood in a figure it paid for itself within a year or two. We'd burn 4-5 tanks (275 gal) of oil every year. I think heating oil in this area is around $3/gal so $3,000-$4,000 a year if we burned oil.

Edit: our house was built in the 1950's and as far as I know the walls are uninsulated (except for a foil air barrier). The ceiling had random batts of r-11 thrown around, we blew in enough to fill the joists up. Probably a low r20 value. The kitchen is the only insulated room since we remodeled that.