This study focused on optimizing a model house for different locations and types of thermal systems to understand better how heating system type affects thermal envelope design, operational greenhouse gas emissions, and life-cycle cost. The study investigated six different thermal system configurations in separate optimizations for five locations. Optimization implies reducing energy consumption, minimizing greenhouse gas emissions (GHG), lowering operational costs, ensuring regulatory compliance, enhancing resilience, and improving occupant comfort and health. The Pareto front, multi-objective optimization, is used to identify a set of optimal solutions, considering multiple goals that may conflict with each other. In determining the least-cost building design envelope, the design balances costs with other goals, such as energy efficiency and environmental impact. The optimizations determine the life-cycle cost versus operational GHG emissions for a single-detached house in Canadian locations with varying climates, emissions factors, and energy costs. Besides natural gas, the study evaluated four electricity-heated options: (a) an air-source heat pump, (b) a ductless mini-split heat pump, (c) a ground-source heat pump, and (d) an electric baseboard. A net-zero-carbon design with grid-tied photovoltaics was also optimized. Results indicate that the heating system type influences the optimal enclosure design. In each location, at least one all-electric kind of design has a lower life-cycle cost than the optimized gas-heated model, and such designs can mitigate the majority of operational GHG emissions from new housing in locations with a low carbon electricity supply.