How does one value the cost/benefit of Insulation in your home?

How does one value the cost/benefit of Insulation in your home? Also what how do you consider the sq foot cost?
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You have to calculate the savings in energy cost. If X amount of insulation cost $1000 to install, but saves me $450 a year on heating and cooling costs . . . . . . . . . .
There are very few places in the world where a home would not benefit from good insulation. There is also the comfort factor in many cases also.
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joseph Varga wrote:

investment you can make. Then have a manual J done and do NOT oversize either airconditioning oe heating. A slightly undersized A/C is far better than an oversized system! - udarrell
--
Air Conditioning\'s Affordable Path to the "Human Comfort Zone Goal"
http://www.udarrell.com/udarrell-air-conditioning.html
  Click to see the full signature.
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The DOE has sites that help calculate that. One thing to keep in mind that the biggest bang for the buck will be in sealing the home envelope.
see: If http://www.energystar.gov/index.cfm?c=home_sealing.hm_improvement_sealing

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