The payback is likely never when you consider opportunity cost. Invest $15,000 in an index fund, and it will average a 7% return over time. That's $1050 per year, or more than I spend on electricity in a year. With heavy subsidy, or installing solar yourself, you can get a decent payback, but probably not when you have to pay the full cost out of pocket and pay someone to install it. Certainly not if the cost is financed.
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