I have the stud walls up with electric, plumbing etc...
Don't want to tear it down. Was about to put paper backed insulation in until I started reading here. What about 2" xps and using spray foam around the edges? I have been in the house 15 years and the walls and floors stay dry
Gary is absolutely correct. My recommendation is to always complete your project using the best practices that we have available... It will be a major blow to have to move/redo your framing etc at this point, however it would be a far worse feeling in the pit of your stomach if you walk downstairs 5 yrs from now and see staining on the wall and carpet from moisture mold and mildew.
On the other side of the coin, these are best practices, but not fool-proof. Basements were not meant to be finished living space so there is always the possibility of problems, and the procedures that you use offer different degrees of mitigating the potential for those issues. Ultimately, you will need to decide how far you want to take that, but at minimum, you'll need to meet the standards of your local building code.
All right! I think you will be much happier. Using Jan., Feb., Dec. low temps average your location, below grade to the "frost line" (3') and above grade; 1" f.b. will give a dew-point on the cavity side (of f.b.) at 27% RH, use 2" board = 37% RH, or just control the relative humidity down there when outside temps are at/below 21*F.
Reminders; sill-sealer under p.t. bottom plate, f.b. the rims w. canned foam, fire-stop frame wall top/every 10' horizontally, no gaps from fibrous insulation to f.b., and air-seal the drywall; http://www.buildingscience.com/documents/information-sheets/air-barriers-airtight-drywall-approach/
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