Solar Payback Calculator

State guide

Solar payback in Illinois (IL) — 2026

How Illinois compares with the other 50 records in this dataset
MeasureIllinoisDataset medianRank of 51
Avg residential rate16.1¢/kWh14.8¢/kWh18th highest
Annual insolation4.4 kWh/m²/day4.6 kWh/m²/day34th highest
Modeled payback13.5 years13.5 years27th fastest

Rates from the EIA; insolation from NREL's NSRDB. Ranks and medians are computed across the 50 states and DC covered by this site. Payback is modeled for a 7 kW system at $3.20/W with no federal credit applied — see the disclaimer for the full assumption set.

Illinois pays about 16.1¢ per kilowatt-hour for residential electricity and receives about 4.4 kWh per square metre per day of sunlight — 18th and 34th respectively among the 50 states and DC tracked here. Those two numbers set the ceiling on what rooftop solar returns in Illinois, and they point in opposite directions.

Where Illinois sits against the rest of the country

Illinois is 1.3¢/kWh above the median residential rate across this dataset (14.8¢/kWh) and 0.2 kWh/m²/day below the median insolation (4.6 kWh/m²/day). Under this site's standard assumptions, that combination puts Illinois 27th of 51 for modeled payback speed, at 13.5 years against a dataset median of 13.5 years.

What actually drives payback in Illinois

Illinois is rate-led: upper half of the dataset for electricity price (18th), lower half for sunlight (34th). Swap Illinois's sunlight for the dataset median and payback moves to 13.0 years (0.5 years of swing). Swap its electricity rate instead and payback moves to 14.5 years (1.0 years of swing). The rate swap is the larger of the two, so what a kilowatt-hour costs is the input deciding the outcome in Illinois.

State incentives on record

Recorded for Illinois: Illinois Shines (Adjustable Block Program) pays for SRECs at fixed contract prices; Illinois Solar for All for low-income; property tax special assessment.

No federal credit is applied above (Section 25D expired 31 December 2025), and export terms often matter more than the headline rate (net metering guide).

The modeled system, in numbers

At Illinois's sunlight level a 7 kW array produces roughly 8,769 kWh a year, worth about $1,412 in first-year bill savings at 16.1¢/kWh against an assumed $22,400 installed cost. A ten-year payback at this sunlight level would require a residential rate of about 22.9¢/kWh, which is 6.8¢ above what Illinois households pay today.

States with comparable economics

Illinois's closest analogues by modeled payback are Kansas (13.5 years), South Carolina (13.5 years), Indiana (13.6 years). They arrive there from different rate and sunlight combinations, so their incentive rows are the useful comparison.

Estimate your solar payback

Enter your ZIP and the system size you're considering. We'll pull your state's average residential electricity rate and an annual sun-hour figure to estimate production and break-even years.

Estimate only — not a quote. Verify with a licensed installer and your utility. Federal Section 25D 30% credit is not included (expired 2025-12-31). Not tax advice — consult a tax professional.

State (IL)
Illinois
Avg residential electricity rate
16.1¢ / kWh
Estimated annual production
8,769 kWh
Year 1 bill savings
$1,412
Estimated payback
13.5 years
Installed cost before incentives*
$22,400

*A $3.20/W installed cost assumption valued against your state's average residential electricity rate (EIA, most recent 12-month average available as of 2026 Q1). No federal, state, or utility incentive is deducted from this figure — state incentives that may reduce it are listed on your state page for details.

Estimate only. Numbers shown are modeled projections, not quotes or guarantees. Actual production, electricity rates, financing terms, and available incentives vary by household, utility, roof condition, shading, and policy changes. The Residential Clean Energy Credit (Section 25D, the 30% federal tax credit) expired for systems placed in service after December 31, 2025. Verify all numbers with a licensed installer and your utility before making a purchase decision. See full disclaimer.
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