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RayValueSolar math for your home

Solar payback in Miami, FL

Below: electricity rates for Miami, how much sun a solar array gets here, and example payback for a few illustrative bills.

Electricity rates near Miami

We use Florida Power & Light (FPL) as the likely utility for Miami. Check your bill to confirm yours. Other utilities in the state are listed for comparison.

Florida Power & Light (FPL) (likely utility for this city)
ItemRate
First 1000 kWh/month$0.123/kWh
Over 1000 kWh/month$0.143/kWh
Fixed monthly charge$10.52

Source: utility rate page, read 2026-10-22.

Duke Energy Florida
ItemRate
Summer First 1000 kWh/month$0.136/kWh
Summer Over 1000 kWh/month$0.154/kWh
Winter First 1000 kWh/month$0.147/kWh
Winter Over 1000 kWh/month$0.172/kWh
Fixed monthly charge$14.43

Source: utility rate page, read 2026-10-22.

Tampa Electric (TECO)
ItemRate
First 1000 kWh/month$0.139/kWh
Over 1000 kWh/month$0.159/kWh
Fixed monthly charge$13.69

Source: utility rate page, read 2026-10-25.

How much sun Miami gets

Estimated output of 1 kW of rooftop solar, month by month, from NREL PVWatts weather data: about 1,449 kWh per year. Real output depends on your roof, shading and equipment.

Estimated monthly solar output per kW installed in MiamiJanFebMarAprMayJunJulAugSepOctNovDec
Estimated monthly solar output per kW installed in Miami (kWh)
MonthkWh per kW
Jan110
Feb116
Mar138
Apr143
May130
Jun117
Jul126
Aug127
Sep113
Oct119
Nov106
Dec103

Rooftop solar in Miami makes about 1,449 kWh per kW a year, the 17th most of the 23 Florida cities on RayValue (they range from 1,411 to 1,535, a 9% spread). Sun varies little across Florida, so your rates and bill matter more to payback than which city you live in.

Homes in Miami

Homes (housing units)
223,826
Lived in by their owner
30.8% of occupied homes
Detached single-family houses
22.4% of homes
Median year built
1979
Median value of owner-occupied homes
$518,100

Rooftop solar is usually the homeowner's decision, and it is simplest on a house with a roof of its own. In Miami, 30.8% of occupied homes are lived in by their owner and 22.4% of all homes are detached single-family houses. Condos, townhomes and apartments usually need approval from the building or association first.

Half of Miami's homes were built before 1979. Panels last decades, so if your roof is near the end of its life, ask installers whether to replace it before they install.

Source: US Census Bureau, American Community Survey 2020–2024 5-year estimates for Miami city, read on 2026-11-01. See the Census table. Estimates have a margin of error.

Example payback in Miami

These use illustrative example bills, not averages for Miami. They show a solar-only system (no battery, some shading) at the likely utility's rates, with no federal tax credit. Your own numbers will differ; use the calculator for yours.

Monthly billSystem sizeInstalled costPayback (years)
$1005.4–6 kW$14,300–$21,60014.5–21 (likely 17)
$20011–12.2 kW$28,900–$43,40012.5–17.5 (likely 15)
$35015 kW$39,500–$53,50011–15.5 (likely 13)

Get quotes or run your numbers

Compare free quotes from up to 3 local installers, or enter your ZIP and monthly bill to get a payback range for your home.