Solar panels in Palm Bay: what they cost and what they make
A typical Palm Bay home needs 22 solar panels. They would make about 13,632 kWh a year and cost $23k to $35k before incentives. At today's electricity prices they pay for themselves in about 13.1 yrs.
See panels on your own Palm Bay roof
Type your address. You get your roof from above, the panels that fit, a month-by-month forecast and a battery test. No phone number.
What solar costs in Palm Bay
At $3.00 a watt, the median price cash buyers pay nationally, a 9.2 kW system costs about $27,600. Quotes in Palm Bay will usually fall between $23,000 and $34,500. Complex roofs, main-panel upgrades and financing push prices up.
The 30% federal tax credit no longer applies to systems homeowners buy. This estimate includes no state or utility incentives; check with your utility before you buy.
The number that decides whether solar pays in Palm Bay is what your utility pays for the power you send back. Under full payback is about 13.1 yrs. Under net billing it is about 21.2 yrs, because only the ~43% of solar a typical home uses as it is made saves the full retail price.
Cash purchase, prices rising 2.5% a year, panels losing 0.5% a year, $25/kW a year for upkeep. No federal credit for homeowner-owned systems.
Every way to pay for a 9.2 kW system in Palm Bay
Change any number →| Way to pay | Day one | Monthly payment | Monthly net, year 1 | Ahead after 25 years |
|---|---|---|---|---|
| Pay cash Full price on install day | $27,600 | $0 | +$155 | $33k |
| Credit-union loan 8% APR, 20 years, no dealer fee | $0 | $231 | −$76 | $5,500 |
| “1.99%” solar loan 1.99% APR, 25 years, 25% dealer fee | $0 | $146 | +$9 | $17k |
| Lease $150/mo, +2.9%/yr | $0 | $150 | +$24 | $1,900 |
| Power purchase (PPA) 13.0¢/kWh, +2.9%/yr | $0 | $148 | +$26 | $7,100 |
Under net metering, at 15.3¢/kWh rising 2.5% a year. The “1.99%” loan’s $6,900 dealer fee is included in its payments. Lease and PPA prices are typical offers, not quotes.
How much sunshine Palm Bay gets
kWh per kW, 25° southApr is the best month for solar in Palm Bay, and Dec the weakest: a Dec day makes 75% of a Apr day. A 6 kW system would make about 628 kWh in Dec and 841 kWh in Apr.
On June 21 the sun rises at 6:27 am and sets at 8:21 pm, 13 hours 55 minutes of daylight. On December 21 it is up from 7:10 am to 5:31 pm, just 10 hours 22 minutes.
Peak sun hours in Palm Bay, month by month
| Month | Flat ground | Panels at 26° | kWh per kW |
|---|---|---|---|
| Jan | 3.4 | 4.7 | 114 |
| Feb | 4.2 | 5.2 | 113 |
| Mar | 5.2 | 5.9 | 140 |
| Apr | 6.1 | 6.2 | 140 |
| May | 6.4 | 5.9 | 138 |
| Jun | 5.9 | 5.3 | 120 |
| Jul | 5.9 | 5.4 | 125 |
| Aug | 5.6 | 5.4 | 126 |
| Sep | 5.0 | 5.3 | 120 |
| Oct | 4.4 | 5.3 | 125 |
| Nov | 3.6 | 4.8 | 111 |
| Dec | 3.1 | 4.4 | 105 |
| Year | 4.9 | 5.3 | 1,475 |
A peak sun hour is one hour of sunlight at 1,000 W per m². Why sites disagree.
The best angle and direction for panels in Palm Bay
| Roof faces (6/12 pitch) | Output vs south | kWh per kW |
|---|---|---|
| South | 100% | 1,475 |
| Southeast | 97% | 1,431 |
| Southwest | 96% | 1,416 |
| East | 87% | 1,283 |
| West | 87% | 1,283 |
| North | 69% | 1,018 |
Face panels south and tilt them 26° for the most energy over a year. East and west roofs keep about 87% of that. A north-facing roof keeps 69%, which is rarely worth the money. Try other angles.
Where the sun goes over Palm Bay
The noon sun is lower in winter, which is why the best winter tilt (51°) is steeper than the best summer tilt (0°).
Palm Bay's homes
Palm Bay has 45,850 households. 79.7% own their home, and 34,958 of those owners live in single-family houses, the kind of home that usually gets rooftop solar.
The median home here was built in 1993. Many roofs that age are due for replacement. Replace the roof first, then add solar: taking panels off and putting them back later costs thousands.
93.6% of homes heat with electricity and 2.4% with gas. Electric heat raises winter use, so size solar to your own bills rather than the state average.
Source: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates.
If the power goes out in Palm Bay
Solar panels alone shut off in a blackout. Add a battery and they keep going. One Tesla Powerwall 3 (13.5 kWh) running a fridge, freezer, furnace fan, lights, Wi-Fi, TV and microwave (6.9 kWh a day):
Change the appliances, the battery and the weather in the battery calculator.
Questions people ask about solar in Palm Bay
How much do solar panels cost in Palm Bay?
A 9.2 kW system — enough for the average Florida home — costs about $23,000 to $34,500 before incentives, based on $2.50–$3.75 per watt. The 30% federal credit no longer applies to systems homeowners buy.
How many solar panels does a house in Palm Bay need?
About 22 panels of 420 watts for a home using 1,104 kWh a month, the Florida average. Each kilowatt of panels here makes about 1,475 kWh a year on a south-facing roof.
Is solar worth it in Palm Bay?
Over 25 years, solar power here costs about 10.4¢ per kWh, against 15.3¢ from the grid today. Payback is about 13.1 yrs if your utility credits exported power at the full retail rate, and 21.2 yrs if it pays about 30% of retail.
How many peak sun hours does Palm Bay get?
5.3 a day on panels tilted to 26°, and 4.9 on flat ground. The best month is Apr; the weakest is Dec.
What is the best angle for solar panels in Palm Bay?
26° for the most energy over a year, facing south. 51° is best in winter and 0° in summer. On a normal pitched roof, anything within 15° of 26° gives you about 95% of the maximum.
How long would a home battery last in a Palm Bay power outage?
A Tesla Powerwall 3 running a fridge, freezer, furnace fan, lights, Wi-Fi, TV and microwave (6.9 kWh a day) lasts about 43 hours with no sun. With 7 kW of solar to recharge it, it gets through a three-day outage even in overcast January.
Solar near Palm Bay
| City | Miles | kWh per kW | Sun hours |
|---|---|---|---|
| Melbourne, FL | 11 | 1,473 | 5.3 |
| Fort Pierce, FL | 41 | 1,482 | 5.4 |
| St. Cloud, FL | 42 | 1,472 | 5.3 |
| Port St. Lucie, FL | 50 | 1,475 | 5.3 |
| Kissimmee, FL | 52 | 1,470 | 5.3 |
Cities with the same sunshine as Palm Bay
These far-away cities get almost exactly as much solar energy per panel.
- McAllen, TX 1,478 kWh per kW
- Dallas, TX 1,473 kWh per kW
- Waco, TX 1,473 kWh per kW
Sources: NASA POWER 2001–2020 monthly climatology (grid cell 53 km from Palm Bay's Census point), our PV model (within 1.6% of NLR PVWatts® on average), U.S. EIA prices and use, U.S. Census 2025 population estimates and ACS 2020–2024. Estimates for an average home, not a site survey. How we calculate.