Real Roof · Real Numbers · Real Pricing

Your actual solar cost, calculated from your actual roof.

Q: How much does solar cost in Missouri and Kansas in 2026?

Solar Assure prices residential solar at $2.70 per watt installed before incentives. For a typical Missouri or Kansas home with average monthly bills of $130 to $200, the system size needed is 6 to 9 kilowatts, putting the total cost between $16,200 and $24,300 before incentives. After the 25% Midas Wealth check program (a third-party financial mechanism that uses commercial tax credits still available under federal law to deliver a check directly to qualifying homeowners), the net cost drops to roughly $12,150 to $18,225. The federal residential Investment Tax Credit (ITC) expired December 31, 2025 and is no longer available to homeowners. Final pricing depends on roof complexity, electrical panel work needed, and any custom requirements.

Type your address, slide your monthly bill, choose whether you want backup power, and we'll show you the real numbers: system size, total cost at $2.70 per watt, net cost after the 25% Midas Wealth check, payback period, and 25-year savings. We do ask for your name, email, and phone before showing the estimate so we can send you a copy you can save or share. No pressure tactics. If solar doesn't make sense for your situation, we'd rather show you that here than pretend otherwise on a sales call.

Step 1 of 4

What's your home address?

We use Google Places to autocomplete your address, then load an interactive satellite map of your home with optional 3D angle and fly-around views. Your address is not stored or sent to a sales rep unless you explicitly request a quote.

Street address

Satellite imagery of your roof appears here after you enter an address.

Step 2 of 4

What's your average monthly bill?

Use your average across the year (winter and summer combined). The calculator uses this to estimate your annual electricity usage and the system size needed to offset most of it.

$150

Average monthly electricity bill

$50 $275 $500+

Step 3 of 4

Want backup power too?

Adding the Franklin aPower 2 home battery means your home keeps running when the grid goes down. Each unit stores 15 kWh and outputs 10 kW continuous, enough to run a typical home overnight. Stack up to fifteen for whole-home off-grid capability.

Solar only

No battery. Save on bills with grid-tied solar; lights go out if the utility does.

Add backup power

One or more Franklin aPower 2 batteries (15 kWh each) keep your essentials running through outages. Most homes start with one.

Whole-home / off-grid

Maximum capacity for full home backup or off-grid living. Calculator suggests sizing based on your bill.

How many Franklin aPower 2 units?

unit · 15 kWh

15 kWh

Total storage

~12 hrs

Backup runtime

Step 4 of 4

Where should we send your numbers?

We'll show your personalized estimate immediately and email you a copy you can save or share. Josh or Tori may follow up to answer questions, but only if you want them to. No call center, no pressure.

Querying Google Solar API for your roof

Your estimate

Your real numbers, calculated.

Estimate based on state averages

A typical Missouri home like yours would use a 7.4 kW system.

System size

7.4 kW

~18 panels at 410W each

Annual production

10,400 kWh

Based on your roof's actual sunshine hours

Total cost · before incentives

$19,980

$2.70 per watt installed · all-in pricing

Net cost · after Midas Wealth 25%

$14,985

If you qualify for the program

Annual savings · Year 1

$1,830

At your local utility's residential rate

Payback period

8.2 years

Net cost ÷ annual savings

25-year lifetime savings · with 3% rate inflation

$56,000+

Conservative estimate. Actual rate increases have been higher (Ameren raised 12% in June 2025).

This is an honest estimate based on real Google Solar API data for your roof and standard Missouri or Kansas utility rates. A real quote requires an in-person roof inspection and accounts for any electrical panel work, tree shading, or roof complexity. Pricing assumes a standard 200-amp service panel and asphalt shingle roof. Battery storage is not included.

Get my real quote

How we calculate

The actual math, in full.

Most solar calculators hide their assumptions behind a contact form. We don't. Here's exactly how the calculator computes your estimate, what data sources we use, and where the numbers come from.

Step 1: Address geocoding via Google Places

Your typed address is sent to the Google Places Autocomplete API, which returns structured location data including latitude and longitude coordinates. Address handling is restricted to U.S. addresses with a bias toward Missouri and Kansas. Coordinates are then used to display an interactive Google Maps satellite view, with optional 3D angle tilt and an Aerial View photorealistic drone-style fly-around when Google has rendered one for the address.

Step 2: System sizing from your bill

The calculator estimates your annual electricity usage by multiplying your average monthly bill by 12, then dividing by the local utility's average residential rate per kilowatt-hour. The system size is then sized to offset approximately 100% of that annual usage:

system_kW = (annual_kWh_needed) ÷ (yearly_energy_per_kW)

Where yearly_energy_per_kW uses NREL state-average production figures: 1,350 kWh/kW for Missouri and 1,400 kWh/kW for Kansas. These are conservative figures that account for typical shading, orientation, and seasonal variation. Real production for your specific roof is assessed during the in-person roof inspection at the quote stage using Aurora Solar (a professional-grade design tool).

Step 3: Cost calculation

Total system cost is calculated at $2.70 per watt installed, all-inclusive of equipment, permits, labor, and warranty. This is Solar Assure's actual pricing for standard residential installs and is competitive with the broader Missouri and Kansas market (2025-2026 typical range: $2.50 to $3.50 per watt depending on installer):

total_cost = system_size_W × $2.70

Net cost after the 25% Midas Wealth check program (a third-party financial mechanism using commercial-side tax credits still available under federal law after the residential ITC expired December 31, 2025):

net_cost = total_cost × 0.75

Eligibility for the Midas Wealth program is verified by Midas Wealth (not Solar Assure) and depends on system size, financing approach, and homeowner qualifications. The calculator assumes eligibility; if you're not eligible, your net cost equals total cost.

Step 4: Savings and payback

Annual savings in year 1 is calculated as the annual production multiplied by your local utility's residential rate:

annual_savings = annual_kWh_production × $/kWh_rate

Payback period is then net cost divided by annual savings:

payback_years = net_cost ÷ annual_savings

25-year lifetime savings sums each year's projected savings across 25 years (the typical solar panel warranty period and useful economic life), with a 3% annual rate inflation assumption applied to the utility rate, then subtracts the net upfront cost. The 3% inflation assumption is conservative; Ameren Missouri raised residential rates 12% in June 2025 alone. Solar production is held constant at the year-1 estimate; Tier-1 panels typically degrade only 0.5% per year, which makes the static-production assumption slightly conservative.

Pricing transparency

What's included at $2.70 per watt.

Honest pricing means being explicit about what the price covers and what it doesn't. Here's the side-by-side. Items in the right column may apply to your install depending on roof and electrical conditions.

All-in at $2.70/W

Included in the calculator price

Tier-1 solar panels (Q CELLS, Silfab, REC, others)
Microinverters or string inverters with optimizers
Racking and mounting hardware
All wiring, conduit, and junction boxes
Production monitoring system
City and county building permits
Utility interconnection application and fees
Engineering and design
Installation labor (licensed Missouri/Kansas crews)
Standard warranty coverage (25-year panel, 10-25 year inverter)
Standard 200-amp service panel work
Final inspection and Permission to Operate (PTO)

Quoted separately

Not included in the base price

Battery storage (Franklin aPower 2: $15,500 first unit, $12,800 each additional unit; the calculator now estimates this in Step 3)
Electric vehicle charger installation
Major electrical panel upgrades (100A or 150A to 200A)
Tree removal or significant tree trimming
Roof replacement (recommend before solar if 15+ yrs old)
Ground-mount installation (custom quote required)
Special architectural needs (flush-mount, historic district)
Carport solar or detached structure installs
Pool heater or pool pump integration
Smart home integration beyond standard monitoring

Missouri vs. Kansas

Why state matters for solar economics.

The same $2.70 per watt produces different paybacks in Missouri vs. Kansas because of utility rates, sun hours, and net metering law differences. Here's the side-by-side for the typical 7.4 kW residential system used by the calculator's default estimate.

Missouri RSMo 386.890

Default utility rate (Ameren MO): $0.135/kWh
Default utility rate (Evergy MO): $0.115/kWh
Annual production (avg): 1,350 kWh/kW
Net metering: True 1:1 retail rate
Excess credit handling: Roll forward; paid out at avoided fuel cost annually
System size cap: 100 kW residential
Typical payback: 8 to 11 years
Solar access law: RSMo 442.404 protects HOA installs

Kansas K.S.A. 66-1263

Default utility rate (Evergy KS Metro): $0.130/kWh
Default utility rate (Evergy KS Central): $0.135/kWh
Annual production (avg): 1,400 kWh/kW
Net metering: 1:1 for IOUs only (Evergy, Liberty)
Excess credit handling: Roll forward; expires March 31 annually
System size cap (post-HB 2527): 150 kW unified
Typical payback: 9 to 13 years
Solar access law: None at state level (HOAs may restrict)

Want the full statute-by-statute breakdown? See our Missouri RSMo 386.890 explainer or Kansas K.S.A. 66-1263 explainer.

Common questions

Calculator questions, answered.

How much does solar cost in Missouri and Kansas in 2026?

Solar Assure prices residential solar at $2.70 per watt installed before incentives. For a typical Missouri or Kansas home with average monthly bills of $130 to $200, the system size needed is 6 to 9 kilowatts, putting the total cost between $16,200 and $24,300 before incentives. After the 25% Midas Wealth check program, the net cost drops to roughly $12,150 to $18,225. The federal residential Investment Tax Credit (ITC) expired December 31, 2025 and is no longer available to homeowners. Final pricing depends on roof complexity, electrical panel work needed, and any custom requirements.

How does the calculator estimate solar costs?

The calculator estimates your annual electricity usage by multiplying your average monthly bill by 12 and dividing by your local utility's average residential rate. It then sizes a solar system to offset roughly 100% of that annual usage, using NREL state-average production estimates of 1,350 kWh per kW per year for Missouri and 1,400 kWh per kW per year for Kansas. The system size in watts is multiplied by Solar Assure's standard $2.70 per watt installed pricing to produce total cost before incentives. The 25% Midas Wealth check program reduces the net cost to roughly 75% of total. Annual savings is the system's annual production multiplied by your utility's rate, and payback is net cost divided by annual savings. Real production for your specific roof varies based on orientation, pitch, shading, and obstructions, which Solar Assure assesses during an in-person roof inspection at the quote stage.

What's included at $2.70 per watt?

At $2.70 per watt, Solar Assure includes all Tier-1 solar panels (Q CELLS, Silfab, REC, or comparable), microinverters or string inverters with optimizers, racking and mounting hardware, all wiring and conduit, monitoring equipment, all permits (city, county, utility), interconnection fees, installation labor, and standard warranty coverage. Standard 200-amp electrical panel work is included. NOT included: battery storage (typically $11,000 to $15,000), electric vehicle chargers, major electrical panel upgrades from 100A or 150A to 200A, tree removal, roof replacement, ground-mount installation, or special architectural requirements like flush-mount in historic districts.

How accurate is the calculator estimate?

The calculator is honest about being an estimate. Real accuracy depends on three factors: (1) how representative your monthly bill is of your annual usage (winter and summer should be averaged); (2) your roof's actual orientation, pitch, and shading, which the calculator approximates using Missouri and Kansas state-average production figures; (3) any electrical work needed at your home, which can only be assessed in person. For typical suburban homes with south or southwest-facing roofs in good condition and standard 200-amp electrical setups, calculator estimates are usually within 15 to 20 percent of the final installed cost. A real quote from Solar Assure includes an in-person roof inspection and a precise system design using Aurora Solar (a professional solar design tool) and is required before any contract.

What is the 25% Midas Wealth check program?

Midas Wealth is a third-party financial partner that delivers a check equal to 25 percent of the system cost directly to qualifying homeowners. The program uses commercial solar investment tax credits, which remain available under federal law after the residential ITC expired on December 31, 2025. Eligibility depends on system size, financing approach, and homeowner qualifications, and is verified by Midas Wealth (not Solar Assure) during the quote process. The 25% check is not a lease or a power purchase agreement; the homeowner retains full ownership of the solar system and any future home value premium associated with it.

Why is the federal tax credit no longer in the calculation?

The federal residential Investment Tax Credit (ITC) for solar, originally codified in IRC Section 25D, was repealed by the One Big Beautiful Bill Act (OBBBA) signed into law in July 2025. The residential ITC ended for systems placed in service after December 31, 2025. The Section 48 commercial ITC remains in effect, which is why the Midas Wealth program (using commercial-side credits via a third-party financial structure) can still deliver value to qualifying homeowners. Calculators that still show a 30 percent residential federal tax credit in 2026 are using outdated information.

How is the payback period calculated?

Payback period is calculated as (net cost after Midas Wealth check) divided by (annual electricity savings). Annual electricity savings is calculated as (annual solar production in kWh) multiplied by (your utility's average residential rate per kWh). The calculator uses Ameren Missouri at $0.135/kWh, Evergy Missouri at $0.115/kWh, and Evergy Kansas at $0.130/kWh as defaults, but actual rates vary by tier, season, and rate plan. For most Missouri homes the payback period is 8 to 11 years. For most Kansas homes the payback period is 9 to 13 years. Kansas paybacks are typically 1 to 3 years longer because Kansas net metering credits expire annually on March 31 under K.S.A. 66-1263, while Missouri pays out unused credits at the avoided fuel cost rate under RSMo 386.890.

How are 25-year savings calculated?

25-year savings are calculated by summing each year's projected electricity savings over 25 years (the typical solar panel warranty period and useful economic life), with a 3 percent annual rate inflation assumption applied to the utility rate, then subtracting the net upfront cost. The 3 percent inflation assumption is conservative; Ameren Missouri raised residential rates 12 percent in June 2025 alone. Solar production is held constant at the year-1 estimate, although Tier-1 panels typically degrade only 0.5 percent per year. Component replacement costs (one inverter replacement around year 12 to 15 for string inverter systems) are not subtracted; microinverter systems usually last the full 25 years without replacement. The calculator's 25-year savings figure should be considered a conservative midpoint estimate.

Does the calculator work outside Missouri and Kansas?

The Google Solar API has coverage across most of the United States, so the calculator will technically run for any US address. However, Solar Assure only services Missouri and Kansas. If you enter an address outside our service territory, the calculator will display a notice and provide an estimate based on national-average rates and production figures, but Solar Assure cannot quote, install, or service that location. For homeowners outside Missouri and Kansas, we recommend the EnergySage marketplace or contacting a local installer in your area.

Why does the calculator collect contact info before showing results?

Two reasons. First, the calculator generates a personalized estimate built from your specific roof's Google Solar API data, your address, and your bill, and we email you a copy you can save, share, or revisit later. Second, qualified leads are better than maximum leads. Customers who use the calculator and decide solar is right for them based on real numbers are dramatically more likely to convert and remain happy customers long-term. Our 4.9 out of 5 rating across 127 verified reviews comes from qualifying customers properly upfront. We do not sell, share, or syndicate your contact information. Josh or Tori may follow up to answer questions, but only if you indicate interest. If the calculator output suggests solar is not a good fit for your situation, see our When NOT to install solar guide for the eight scenarios where we'd recommend skipping solar entirely.

What is the 3D fly-around video and when does it appear?

When you enter your address, the calculator quietly checks the Google Aerial View API for a pre-rendered photorealistic 3D drone-style video of your home. If Google has already rendered an aerial video for your address (most urban and suburban Missouri and Kansas addresses qualify; some rural areas do not), a Watch 3D fly-around button appears on the satellite image. Clicking it replaces the flat satellite image with a cinematic aerial video showing your home and surroundings from multiple angles, sourced from the same Google Earth imagery used in the Google Earth desktop app. The video is approximately 8 to 12 seconds long and loops automatically. If no video is available for your address, the button does not appear and you continue with the flat satellite view; the calculator estimate is identical either way. The 3D video is purely a visualization aid.

Calculator says solar makes sense for your home?

The next step is a free real quote: in-person roof inspection, custom system design in Aurora Solar, walked through with Josh or Tori personally. No pressure tactics. If anything looks different from the calculator estimate after the inspection, we explain why before any contract.

Find your city & get a free quote

or call us directly

(636) 679-0998