When the colder weather sets in, so does the need to heat our homes and dry the newly harvested grain.

The main factors that determine overall winter-heating bills are temperatures and price of fuel, such as propane and natural gas, experts said.

For now, the winter temperatures aren’t expected to be extreme. The latest winter weather outlook from the National Oceanic and Atmospheric Administration (NOAA) indicates temperatures will be similar to both last year and the previous 10-year...