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As an example, if you are a big energy user and install a mid to large sized system this may
Factor in increases in electric costs over time, rebates from power companies, tax break etc. This 20 year payback may be reduced to 12-15 years.
You may save each month...but you still need to install something and those costs need to be factored in.
www.dsireusa.org is a great resource to learn about available solar incentives in your area.