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RayValueSolar math for your home

Solar payback in Palm Bay, FL

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

Electricity rates near Palm Bay

We use Florida Power & Light (FPL) as the likely utility for Palm Bay. 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 Palm Bay gets

Estimated output of 1 kW of rooftop solar, month by month, from NREL PVWatts weather data: about 1,444 kWh per year. Real output depends on your roof, shading and equipment.

Estimated monthly solar output per kW installed in Palm BayJanFebMarAprMayJunJulAugSepOctNovDec
Estimated monthly solar output per kW installed in Palm Bay (kWh)
MonthkWh per kW
Jan105
Feb105
Mar137
Apr144
May142
Jun123
Jul127
Aug126
Sep114
Oct121
Nov102
Dec99

Rooftop solar in Palm Bay makes about 1,444 kWh per kW a year, the 18th 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 Palm Bay

Homes (housing units)
50,147
Lived in by their owner
79.7% of occupied homes
Detached single-family houses
83.5% of homes
Median year built
1993
Median value of owner-occupied homes
$283,200

Rooftop solar is usually the homeowner's decision, and it is simplest on a house with a roof of its own. In Palm Bay, 79.7% of occupied homes are lived in by their owner and 83.5% of all homes are detached single-family houses. Condos, townhomes and apartments usually need approval from the building or association first.

Half of Palm Bay's homes were built before 1993. 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 Palm Bay city, read on 2026-11-02. See the Census table. Estimates have a margin of error.

Example payback in Palm Bay

These use illustrative example bills, not averages for Palm Bay. 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)
$1005.5–6.1 kW$14,400–$21,60014.5–21 (likely 17.5)
$20011–12.2 kW$29,000–$43,50012.5–18 (likely 15)
$35015 kW$39,500–$53,50011–16 (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.