Solar panels in St. Cloud: what they cost and what they make
A typical St. Cloud home needs 22 solar panels. They would make about 13,593 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 St. Cloud 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 St. Cloud
At $3.00 a watt, the median price cash buyers pay nationally, a 9.2 kW system costs about $27,600. Quotes in St. Cloud 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 St. Cloud 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 St. Cloud
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 | +$154 | $33k |
| Credit-union loan 8% APR, 20 years, no dealer fee | $0 | $231 | −$77 | $5,400 |
| “1.99%” solar loan 1.99% APR, 25 years, 25% dealer fee | $0 | $146 | +$8 | $17k |
| Lease $145/mo, +2.9%/yr | $0 | $145 | +$28 | $3,900 |
| Power purchase (PPA) 13.0¢/kWh, +2.9%/yr | $0 | $147 | +$26 | $7,000 |
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 St. Cloud gets
kWh per kW, 25° southApr is the best month for solar in St. Cloud, and Dec the weakest: a Dec day makes 76% of a Apr day. A 6 kW system would make about 635 kWh in Dec and 839 kWh in Apr.
On June 21 the sun rises at 6:28 am and sets at 8:25 pm, 13 hours 56 minutes of daylight. On December 21 it is up from 7:13 am to 5:33 pm, just 10 hours 21 minutes.
Peak sun hours in St. Cloud, month by month
| Month | Flat ground | Panels at 27° | kWh per kW |
|---|---|---|---|
| Jan | 3.5 | 4.8 | 115 |
| Feb | 4.1 | 5.2 | 112 |
| Mar | 5.2 | 5.9 | 140 |
| Apr | 6.1 | 6.2 | 140 |
| May | 6.5 | 6.0 | 139 |
| Jun | 5.8 | 5.2 | 118 |
| Jul | 5.8 | 5.3 | 122 |
| Aug | 5.5 | 5.3 | 123 |
| Sep | 5.0 | 5.3 | 119 |
| Oct | 4.5 | 5.4 | 126 |
| Nov | 3.6 | 5.0 | 113 |
| Dec | 3.1 | 4.5 | 106 |
| Year | 4.9 | 5.3 | 1,471 |
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 St. Cloud
| Roof faces (6/12 pitch) | Output vs south | kWh per kW |
|---|---|---|
| South | 100% | 1,471 |
| Southeast | 96% | 1,412 |
| Southwest | 96% | 1,412 |
| East | 87% | 1,280 |
| West | 86% | 1,265 |
| North | 69% | 1,015 |
Face panels south and tilt them 27° 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 St. Cloud
The noon sun is lower in winter, which is why the best winter tilt (52°) is steeper than the best summer tilt (1°).
St. Cloud's homes
St. Cloud has 21,164 households. 72.5% own their home, and 14,059 of those owners live in single-family houses, the kind of home that usually gets rooftop solar.
The median home here was built in 2003. Most roofs this young have years of life left, which makes them good candidates for solar.
92.5% 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 St. Cloud
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 St. Cloud
How much do solar panels cost in St. Cloud?
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 St. Cloud 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 1,471 kWh a year on a south-facing roof.
Is solar worth it in St. Cloud?
Over 25 years, solar power here costs about 10.5¢ 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 St. Cloud get?
5.3 a day on panels tilted to 27°, and 4.9 on flat ground. The best month is Apr; the weakest is Dec.
What is the best angle for solar panels in St. Cloud?
27° for the most energy over a year, facing south. 52° is best in winter and 1° in summer. On a normal pitched roof, anything within 15° of 27° gives you about 95% of the maximum.
How long would a home battery last in a St. Cloud 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 St. Cloud
| City | Miles | kWh per kW | Sun hours |
|---|---|---|---|
| Kissimmee, FL | 10 | 1,470 | 5.3 |
| Orlando, FL | 17 | 1,465 | 5.3 |
| Ocoee, FL | 28 | 1,462 | 5.3 |
| Winter Haven, FL | 30 | 1,488 | 5.4 |
| Clermont, FL | 34 | 1,471 | 5.3 |
St. Cloud shares a weather-data neighbourhood with Orlando; their sunshine numbers differ by less than our data can resolve. Housing, prices and outage figures are specific to St. Cloud.
Cities with the same sunshine as St. Cloud
These far-away cities get almost exactly as much solar energy per panel.
- Dallas, TX 1,473 kWh per kW
- Waco, TX 1,473 kWh per kW
- Manhattan, KS 1,473 kWh per kW
Sources: NASA POWER 2001–2020 monthly climatology (grid cell 37 km from St. Cloud'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.