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Default Thoughts on basement?

I'm sorry ahead of time if this is the wrong place to post this
question.

I will be constructing a two story house in Spring of 2006. I'm
planning on building the house with a basement (which I will not finish
for years) but due to some financial and ground issues (we might hit
rock) I'm thinking about putting the house on a crawl space. I live in
Western PA - does anyone have any insight into the resale value of a
house that does not have a basement? It's a 4 bedroom house, but I may
or may not combine two of the rooms to form a large master bedroom and
large master bathroom.