Are Solar Panels Worth It? (2026 Honest Answer)
Published 2026-01-15 · Updated 2026-07-07 · MySunROI Research Team
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Solar is worth it for many US homeowners in 2026 — but not everyone. The answer depends on your electricity rate, roof, tax credit eligibility, and how long you will stay in the home.
When solar is usually worth it
- Monthly bill $120+ (~900+ kWh/month in many markets)
- Rate above 13¢/kWh — check CA, NY, all states
- South-facing roof with minimal shade
- You can claim the 30% ITC (own, don't lease)
- Staying 8+ years — see payback guide
When to wait or skip solar
- Roof needs replacement within 5 years — replace first
- Heavy tree shading that cannot be trimmed
- Moving within 3–5 years before payback
- Very low bills under $75/month
Compare your numbers
Use the free calculator for net cost, payback, and 30-year savings. Then read lease vs buy before signing any contract.
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Frequently Asked Questions
At what electricity rate is solar worth it?
Generally 13¢/kWh or higher with good sun and a suitable roof. Use our calculator for your state rate.
Do solar panels increase home value?
Owned systems often add $10,000–$20,000 in appraised value. Leased systems may complicate resale.
How long must I stay in my home?
Plan to stay past payback (typically 7–12 years) to capture full ROI.