Is Solar Worth It in St Louis, MO? (2026 Analysis)

Detailed solar ROI analysis for St Louis, Missouri. With 4.5 peak sun hours and electricity at $0.12/kWh, here is what you can expect from going solar.

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$18,144 20-Year Savings
7 yrs Break-Even Timeline
$9,450 Net Cost After Incentives
4.5 hrs Peak Sun Hours/Day
$0.12/kWh Electricity Rate (increasing)
301,578 Population

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20-Year Solar Savings Projection for St Louis

This projection is based on a 7 kW system with 4.5 peak sun hours and $0.12/kWh electricity rate.

PeriodCumulative SavingsNet PositionStatus
Year 1$1,380$-8,070Paying off
Year 2$2,760$-6,690Paying off
Year 3$4,140$-5,310Paying off
Year 4$5,520$-3,930Paying off
Year 5$6,900$-2,550Paying off
Year 7$9,660$210Profitable
Year 9$12,420$2,970Profitable
Year 11$15,180$5,730Profitable
Year 16$22,080$12,630Profitable
Year 20$27,600$18,150Profitable

Estimates assume stable electricity rates. Actual savings may increase as rates rise.

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$0 down options available. Own your system and claim the 30% federal tax credit. Save up to $1,380/year.

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Solar Investment Breakdown for St Louis

Gross System Cost 13500
Federal Tax Credit (30%) 4050
State Incentives 0
Net Cost 9450
Annual Savings 1380

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Local Solar Incentives in St Louis

Local Programs: Federal ITC plus applicable state and local incentives

Electricity Trend: Rates in St Louis are currently increasing. Solar locks in your energy costs and provides a hedge against future rate increases.

State Incentives: Missouri offers net metering (full). See all Missouri incentives.

Financing Options for St Louis Homeowners

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CashBest ROI. Own immediately.
LoanOwn system + tax credits.
Lease/PPA$0 down. Lower savings.

Best Solar Providers in St Louis

ProviderTypeHighlightRatingAction
EnergySageMarketplaceCompare St Louis installers4.8/5Get Quotes
SunrunInstaller$0 down solar in MO4.5/5View Plans
SunPowerPremiumHighest efficiency panels4.6/5Get Quote

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Frequently Asked Questions

Yes. With 4.5 average peak sun hours per day and electricity rates at $0.12/kWh (increasing trend), solar is a strong investment in St Louis. The estimated 20-year savings is $18,144 with a break-even period of approximately 7 years.
The average solar installation in the St Louis area costs approximately $13,500 for a 7 kW system before incentives. After the 30% federal tax credit and state incentives, the net cost drops to approximately $9,450.
Federal ITC plus applicable state and local incentives The 30% federal Investment Tax Credit (ITC) is available to all St Louis homeowners. Check your specific state and utility for additional programs.
A typical home in St Louis uses a 7 kW system (approximately 18 panels). This produces roughly 11,498 kWh per year based on 4.5 peak sun hours per day.
Electricity rates in St Louis are currently increasing. The current average rate is $0.12/kWh. Solar locks in your energy costs and protects against future rate increases.

SolarSavingsAI Research Team

Solar Energy Analysts

Our team analyzes solar incentive data from federal (DOE, IRS), state (DSIRE), and utility sources to provide accurate savings estimates. Data is reviewed quarterly and cross-referenced with NREL benchmarks.

Sources: DOE, IRS, DSIRE, NREL, EIA Updated: 2026 Full Methodology Editorial Standards

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