Hi, I use to live in Orange County. I loved it, very beautiful and great quality of life. Now oil, it will depend on the size of your home and your personal comfort level. My old home was a 2200 sq. ft. bi - level ranch and I filled up 6 times a year at $500 to $600 bucks each time. Keep in mind that this was 4 1/2 years ago. It might be higher now. There are some companies that will put you on a payment plan and others that won't. I hope this helps