Solar Panel Cost in San Francisco, CA
Estimated costs and savings for ZIP code 94102 — updated for 2026
Urgent tax credit deadlines
- Section 30D EV credit (up to $7,500) — expires June 30, 2026 (12 days left).
- Section 48E solar ITC safe harbor — construction must start by July 4, 2026 (16 days left).
Gross Cost
$26,600
7kW system
Annual Savings
$1,429
$119/month
Payback Period
18.6 yrs
Break-even
Peak Sun Hours
4.7
hrs/day avg
Solar System Cost Breakdown — San Francisco, CA
Estimated costs and savings for different residential solar system sizes in ZIP 94102. Costs based on CA average of $3.80/W and utility rate of $0.14/kWh.
| System | Cost | Savings/yr | Payback |
|---|---|---|---|
| 4 kW | $15,200 | $817 | 18.6 yrs |
| 5 kW | $19,000 | $1,021 | 18.6 yrs |
| 6 kW | $22,800 | $1,225 | 18.6 yrs |
| 7 kW (typical) | $26,600 | $1,429 | 18.6 yrs |
| 8 kW | $30,400 | $1,633 | 18.6 yrs |
| 10 kW | $38,000 | $2,041 | 18.6 yrs |
Solar Production in San Francisco, California
Average Peak Sun Hours
4.7 hours/day
Good solar resource — solid investment
Est. Annual Production (7kW)
10,207 kWh
Based on 4.7 PSH × 7kW × 365 days × 85% efficiency
Average Utility Rate
$0.14/kWh
Above-average rates — good solar savings potential
Cost Per Watt in CA
$3.80/W
Above national avg — get multiple quotes
Solar Panel FAQ — San Francisco, CA
How much do solar panels cost in San Francisco, CA?
A typical 7kW solar system in San Francisco, CA (ZIP 94102) costs approximately $26,600 before any incentives. This works out to about $3.80 per watt installed. Smaller systems start around $15,200, while larger 10kW systems can cost up to $38,000.
How long is the solar payback period in San Francisco?
The average solar payback period in San Francisco, CA is approximately 18.6 years for a 7kW system. With estimated annual savings of $1,429, the system pays for itself and then generates free electricity for the remaining 15-20+ years of its lifespan.
How much can I save with solar panels in 94102?
Homeowners in San Francisco, CA (ZIP 94102) can save approximately $119 per month or $1,429 per year with a standard 7kW solar system. Over 25 years, total savings can exceed $35,725, depending on utility rate increases.
How many peak sun hours does San Francisco get?
San Francisco, CA receives an average of 4.7 peak sun hours per day. This is near the national average, making solar a solid investment in this area.
What size solar system do I need for my home in San Francisco?
The average home in San Francisco, CA needs a 7kW solar system to offset their electricity usage. The exact size depends on your monthly electric bill, roof orientation, and available space. A 7kW system would produce approximately 10,207 kWh annually in ZIP 94102.
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