A fast, two-click solar payback estimate. Pick your state group and system size to see your payback period instantly, using 2026 rules (no federal credit).
SCReviewed by Sarah Chen, Energy AnalystUpdated October 1, 2026Sources: DSIRE, NREL, IRS
Payback is driven mostly by your electricity rate — which is why this tool groups states by rate level rather than sunshine. Photo: American Public Power Association / Unsplash
Updated October 2026 — federal credits have ended. The One Big Beautiful Bill Act (signed July 4, 2025) ended the 30% federal Residential Clean Energy Credit (25D: solar, batteries, geothermal) and the Energy Efficient Home Improvement Credit (25C: air-source heat pumps, up to $2,000) for anything installed after December 31, 2025. Systems completed by Dec 31, 2025 can still be claimed on a 2025 return. Any 30% or $2,000 figure on this page applies only to those installs — our calculators now default to $0 federal credit. What is still available in 2026 →
Quick answerPick your state group for an instant payback estimate. For a 2026 install, payback ranges from 6–8 years in Hawaii to 15–19 years in low-rate states like Idaho and Washington. With no federal credit left, a 7 kW system in a mid-tier state pays back in roughly 10–12 years.
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Quick estimate
7 kW
Presets use typical 2026 rates and incentives for the group.
$
Estimated payback
10.2
years
Net cost
$21,000
Year 1 savings
$1,800
Group
Mid-tier
A fast group-based estimate. For a precise figure with your exact incentive, use the full Payback Calculator.
How this calculator works
1
Choose your system size
Use the slider; 7 kW is the US average.
2
Pick your state group
Presets set a typical rate and incentive for that region.
3
Enter your monthly bill
Drives your first-year savings estimate.
4
Read your payback
An instant estimate for a 2026 install, with no federal credit.
A faster way to estimate payback
This quick tool groups states by their typical electricity rate and incentive level, so you can get a ballpark payback in two clicks without hunting down your exact utility rate. Pick the group your state belongs to, set your system size and bill, and you'll see a realistic estimate instantly.
The groups reflect what drives payback most — the price you pay per kilowatt-hour:
Hawaii — by far the highest US rates, so the fastest payback (6–8 years).
Northeast (CT, MA, NY, RI, ME, NH) — high rates plus strong incentives, roughly 8–12 years.
Mid-tier (IL, NJ, MD, PA, OH, MI, WI) — moderate rates, often good SREC programs, roughly 10–15 years.
Sun Belt (FL, GA, NC, SC, NM, NV) — great sun, weaker incentives, 11–16 years.
Low-rate (ID, UT, WA, LA) — cheap power slows payback to 14–19 years.
For a precise number with your specific state incentive, electricity rate and financing, switch to the full Solar Payback Calculator or pinpoint the exact month in the Break-Even Calculator.
Questions
Frequently asked questions
How is this different from the full payback calculator?
This tool groups states by typical rate and incentive so you get a fast ballpark in two clicks. The full Payback Calculator lets you enter your exact cost per watt, state incentive percentage and rate-increase assumption for a precise result.
What's the average solar payback period in the US?
About 10–15 years for a 2026 install, now that the 30% federal credit has ended. It's shortest in high-rate states (Hawaii 6–8 years, Connecticut, New Jersey and Rhode Island 8–11) and longest in low-rate states (14–19 years). Your electricity rate matters more than how sunny your state is.
Why does my state group matter so much?
Because the value of each solar kilowatt-hour equals the retail rate you avoid paying. High-rate states reward solar far faster than cheap-power states, even when the cheap-power states get more sunshine. That's why we group by rate level rather than by sunshine.
Does system size change my payback period?
Only a little, as long as the system matches your usage. A bigger system costs more but also saves more, so payback stays roughly the same. Payback gets worse mainly if you oversize beyond what you use in states with weak export credit.
Is the 30% federal credit included in 2026?
No, because it no longer exists for new installs. The One Big Beautiful Bill Act ended the 30% credit for systems installed after December 31, 2025, so this estimate uses the full installed cost as your net cost. It also leaves out state rebates and SRECs, so your real figure may be somewhat better if your state's program is generous; use the full Payback Calculator to add your state incentive.
Sarah has spent 12 years modeling US residential solar economics, including 4 years contributing to NREL's Distributed Generation Market Demand model. She holds a BS in Mechanical Engineering from UC Berkeley and reviews every calculator and state guide on GreenCalcs against current IRS, DSIRE and EIA data. Read our methodology →
