Solar panel costs & financing
Price per watt, loans versus leases, tax credits and payback math, so you can tell a fair quote from a padded one.
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FAQ
Common questions
How much do solar panels cost in 2026?+
Nationally, installed residential systems run about $2.40–$3.10 per watt before incentives. A typical 7.2 kW system lands between $17,000 and $22,000.
Is the federal tax credit still available?+
Not for homeowner-owned systems after 2025. Third-party-owned (TPO) structures can still claim it at the provider level and pass savings through as an upfront discount.
How long until solar pays for itself?+
Most US homes break even in 7–12 years depending on utility rates, net metering rules and financing. See our ROI analysis for the full worksheet.
Should I finance or pay cash?+
Cash usually wins on lifetime cost if you can spare the capital. Loans preserve liquidity and still beat leases for most owners who can claim incentives historically tied to ownership.
What is a dealer fee?+
An origination markup some lenders add to the system price when you finance through the installer. Always ask for the cash price and financed price side by side.
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