Those costs are primarily due to drilling the renewable energy source - the open or closed loop water system which delivers the renewable energy in "heating mode" or removes energy in "cooling mode". The 30% tax credits for residential and 10% tax credits plus accelerated depreciation for commercial building owners covers the initial higher cost of the "renewable energy source"
For new homes ... the value is undeniably realized through energy savings over increases in mortgages costs. This initial cost for the drilling increases the new home or commercial building cost by ~3-4% ... that's right 3-4%!
The loop cost when added to a 20-30 year mortgages increases the monthly cost by approximately 2-3% which is exceeded by approximately 8-10X in annual energy savings. What's more compelling is the the 3-4% increase is paid back in tax credits within the first year.
For new construction or existing home or commercial building renovations, a geothermal heating and cooling system is the smartest investment the building owner can make and will pay for itself almost immediately - certainly more quickly than any aesthetic choice of counter top, tile, or kitchen cabinetry.
The new home value will yield at least an immediate 3-5% increase in home value - conservatively.