I know you said you live in an older brick home, but is there any reason you haven't considered upgrading your insulation? I laid an extra layer of unfaced batts in my attic and had the outside walls redone with blown insulation and I would say it more than cut my electric bill in half during the summer. And energy upgrades also get you a tax deduction.
There's like a quarter inch between the drywall and the cinder block the exterior brick is attached to - the cost to put blown insulation into all that space around the house would be enormous, and contractors I've had working in my house have said it is either not worth it or the cost savings would be trivial. Attic is very well insulated.
I've insulated everything else myself - AND used the tax credits.
I am not bellyaching about the electrical cost - I consider it *normal*. There are about ten houses on my street with almost the same design - and they have similar costs for electricity. There are other things I can do, but I have a lot of stuff that takes higher priority. I can live with the cost of electricity. (I can get better doors and windows).
But at this moment, I'm getting constant "you should do solar" - "they didn't charge me ANYTHING!" - "why don't you call them? you'll save money" and every time I ask them about it, I get blank stares - how does a solar company put panels on your roof, charge you nothing for the install, you pay nothing - and they stay in business? Someone's not giving me a clear picture.