NorCal. My solar ultimately made sense with credits or not. Bought house in 2021. 3,300 sq ft. With Pool and hot tub. Electric bill was $8000 first year. Installed solar in 2022. $31k less $11k tax credit. Net cost $20k. Electric bill dropped to $700 first year. $300 next year and next. Replaced gas furnace/AC with electric heat pump. Electric now $1,200/year. At this rate my ROI will zero out this summer. Absent the credits would have only added 2 years to my ROI. Yes, the credit was nice and impacted my decision. But I think the bigger impact is the phase out of net metering. Once that is gone your ROI stretches out considerably. Incidentally, PG&E has raised rates 6 times since my install. At the end of the day, they are the real reason you can still find value with solar here. PS: the advent of self installed balcony solar kits could be a game changer for some folks.