ᐅ Heating Concept for New Construction – Heat Pump vs. Masonry Heater?

Hello everyone,

we are newcomers to housebuilding from Franconia and will probably have a good chance of getting a plot from the municipality, so we will have the honor to build. With 3 children and an estimated 500–600 sqm (5400–6500 sq ft) plot, the house should roughly be 150–180 sqm (1600–1900 sq ft).
Background
In our last house from the 1990s, we installed solid oak parquet flooring and really liked it. Currently, we have an apartment/house built in 1997 with tiles throughout, heating radiators plus underfloor heating. There is also a large traditional masonry stove which we feed with wood from my brother-in-law. Last year we used about 9 cords (Ster) of wood, and the heating was kept at minimum (just to avoid cold tiles).

For the new build, we would like a tiled stove plus wooden floors, but a heating system for vacations, old age, or illness must not be missing. Retrofitting heating later is not really an option.

• We often read that photovoltaic systems combined with an air-to-water heat pump and underfloor heating are common.
• I also find ground loop collectors interesting. Depending on how much work we do ourselves, costs get close to the first option. Since we want to install solid hardwood flooring, summer cooling capability might be very limited.
• Heating with wood is enjoyable in a 1990s old building because cheap family wood really saves money. Now probably a small masonry stove would be enough to properly heat a KfW55-standard house. However, additional costs for chimney sweeps, chimneys, and of course the stove itself must be considered. I have wondered whether a hot water heat pump combined with an “emergency electric heater” and a masonry stove would work? Electric towel radiators. In an emergency, a heat pump could still be retrofitted if the pipes are already installed. Are such concepts known or is this economically nonsense? Heat pumps are not cheap these days. I have also read that masonry stoves can be operated reasonably well in KfW55 houses.

Another idea that came to mind was to use ceiling heating instead of underfloor heating. Wood planks nailed to a batten substructure resting on the concrete slabs including impact sound insulation, etc. This would save screed and not stress the wooden floor with underfloor heating, although ceiling heating probably costs more extra than saving the screed? I am not fond of wall heating or infrared. Noise from the planks does not bother us, and with solid wood we don’t need underfloor heating for comfort.

Some of you might be horrified by these ideas, but I am really interested in alternatives beyond photovoltaic plus air-to-water heat pump that are not purely a financial luxury.
What are typical electricity consumptions for option 1 in a 150 sqm (1600 sq ft) single-family house? (Obviously it depends, but I have no sense whether we are talking about 3000 or 8000 kWh; so far I mainly know oil heating.)

Once we have the confirmation, we will also contact builders and others for quotes.

Thanks for your input and best regards

PATALMTT