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Residential solar in the US is very expensive, $3-4/watt versus utility scale closer to $1/watt. The cheapest residential solar options are community solar if your state and utility supports it, or a ground mount system.

The biggest cost components are sales and marketing expenses and similar soft costs. Some of this can be driven down if you collectively buy through something like https://solarunitedneighbors.org/

(have installed 100kw+ of residential solar, ama)

"Residential solar in the US is very expensive, $3-4/watt versus utility scale closer to $1/watt."

Yea, if you go to an installer instead of buying from the OEM and installing yourself. I likely made your panels at SunSpark (We made panels for everyone, Renogy, Juinko Solar, Samsung, etc.) They were sold for $80 at 330w - 4.125 watts per dollar, or a quarter per watt.

Solar isn't expensive - you are.

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How can the numbers ever work? $15k pays my electric bill for a decade. I get that it amortizes beyond that, but it's a heck of a sunk cost that just doesn't make sense IMO.
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