Home/For Homeowners
Pillar guide · Homeowners
A 400-watt plug-in kit costs less than a single rooftop panel and tells you in three months whether you want a contractor up there. The smartest pre-installation due diligence we know of.
The honest comparison
| Plug-in (1.2 kW) | Rooftop (7.2 kW) | |
|---|---|---|
| Upfront cost | $600 – $2,400 | $18,000 – $26,000 |
| Installation time | Same afternoon | 2 – 4 months |
| Permits / inspections | None (in legal states) | Yes — multiple |
| Annual generation | 1,200 – 1,800 kWh | 9,000 – 11,000 kWh |
| Bill offset | 10 – 30% | 80 – 120% |
| Federal 30% tax credit | Eligible if > $1,000 | Yes, fully eligible |
| Net metering | Not applicable | Varies by utility |
| Portable when you move | Yes | No |
| Payback period | 2 – 4 years | 7 – 12 years |
A pre-flight check
Three months of data from a $600 kit will answer questions a $20,000 contract can't, ahead of time:
FAQ · Tax credit
Yes — the credit applies to "qualifying solar electric property" with no minimum size. A $1,500 kit gets a $450 credit. Below about $1,000 the paperwork outpaces the benefit, but it's allowed.
No. DIY purchases qualify. Save the receipt and any UL listing documentation. File Form 5695 with your federal return.
State credits are inconsistent — some require a licensed electrician's signoff, which most plug-in kits don't have. We track this on the regions page.