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5 kW Solar System

Cost, production, and savings — calculated for your location

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13

400W Panels

7.3k

kWh/Year (avg)

12.8k–15.5k

Installed Cost

Thinking about a 5 kW solar system? You're looking at 13 panels (at 400W each), 7,300 kWh of annual production, and enough capacity to cover most of the electricity needs of a typical American household. Select your state to see how your local electricity rate and sun hours affect the savings and payback calculation.
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5 kW Solar System — FAQ

How long does solar installation take?▾
The actual roof installation takes 1–3 days. However, the full timeline from signing a contract to system activation is typically 2–4 months, accounting for permit applications, utility interconnection approval, and inspection scheduling. Some fast-moving markets can complete the process in 6–8 weeks.
Should I buy or lease solar panels?▾
Buying outright (or with a solar loan) delivers the best long-term value because you own the system and claim the 30% ITC yourself. Solar leases and PPAs require no upfront cost but typically provide smaller monthly savings, no tax credit, and can complicate home sales. If you can afford to buy (including via a solar loan), ownership almost always wins financially.
What types of solar panels are best for residential use?▾
Monocrystalline panels are the dominant choice for residential solar in 2025: highest efficiency (20–23%), best performance in low-light, and longest lifespan. Polycrystalline panels are cheaper but less efficient and largely phased out. Premium options like SunPower Maxeon reach 22.8% efficiency. For most homeowners, Tier 1 mono panels from manufacturers like REC, Panasonic, or Q Cells offer the best value.
What are my options for financing solar panels?▾
The main options are: (1) Cash purchase — best ROI, you get the full ITC. (2) Solar loan — low-rate loans from installers, Sungage, GreenSky, or your credit union allow ownership with no upfront cost. You still get the ITC. (3) HELOC — if you have home equity. (4) Solar lease/PPA — no ownership, no ITC, lower savings but zero upfront. (5) PACE financing — property-assessed loans available in some states.
Do solar panels work in cold climates and winter?▾
Yes — solar panels actually perform slightly better in cold temperatures (heat reduces semiconductor efficiency). The challenge in cold climates is fewer daylight hours and potential snow accumulation. A 10-degree tilt is usually sufficient for snow to slide off naturally. Northern states like Massachusetts and New York still have thriving solar markets despite cold winters.

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Disclaimer: System cost, production, and savings estimates are based on national averages. Select your state in the calculator above for location-specific estimates. Not financial advice.