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Solar panels in Bloomington, IL

Roofs in Bloomington get about 1,551 hours of usable sunlight a year — more than 58% of the cities we've measured. Here's what that means in cost, savings and payback, using real rooftop data rather than a national average.

1,551Sun hours / yr
21Panels typical
$16,758Cost after credit
9.5 yrPayback
Solar is reasonable in Bloomington, not spectacular. A 9.5-year payback still beats most savings accounts over the panel's 25-year life, but it is not the slam dunk you'll see advertised.

Check your specific roof in Bloomington → City averages are a starting point; your own roof's size, pitch and shading change the answer a lot.

What a typical Bloomington solar system costs

A 21-panel system (8.4 kW) is about right for an average Bloomington home using 10,800 kWh a year. It would produce roughly 11,074 kWh annually and offset 100% of that usage.

Estimated economics by system size in Bloomington, at 16.3¢/kWh after the 30% federal tax credit
SystemSizekWh/yr Net costSaves/yrPayback
8 panels3.2 kW 4,219$6,384 $688 9.3 yrs
12 panels4.8 kW 6,328$9,576 $1,031 9.3 yrs
16 panels6.4 kW 8,437$12,768 $1,375 9.3 yrs
20 panels8 kW 10,547$15,960 $1,719 9.3 yrs
26 panels10.4 kW 13,711$20,748 $1,879 11 yrs

How we worked this out for Bloomington

Every number on this page comes from these seven steps. Nothing is a national average — the sunlight figure is measured from Bloomington rooftops.

#StepResult
1What one panel makes here
400W ÷ 1000 × 1,551 sun hrs × 0.85 system losses
527 kWh/yr
2Panels needed to cover typical usage
10,800 kWh ÷ 527 kWh per panel
21 panels
3System size
21 panels × 400W
8.40 kW
4Annual production
8.40 kW × 1,551 hrs × 0.85
11,074 kWh/yr
5Installed cost
8,400 W × $2.85 per watt, then −30% federal credit
$16,758
6Annual saving
3,780 kWh used as generated × 16.3¢  +  7,294 kWh exported × 16.3¢
$1,772/yr
7Payback
$16,758 ÷ $1,772 per year
9.5 years

Step 6 matters more than it looks. Only 34% of what a system this size produces in Bloomington is used the moment it is generated; the other 7,294 kWh is exported and credited one-for-one under net metering. Because exports here are credited at or near retail, that split changes the payback very little — 9.3 years against the 9.5 we show. In places where exports pay a fraction of retail the same split moves payback by years, which is why we model it explicitly rather than assuming.

Assumptions: 400W panels, 15% system losses (inverter, wiring, heat, soiling), $2.85/W installed, 10,800 kWh typical annual household use, 16.3¢/kWh electricity. Change any of those and every figure above moves — which is exactly why a single national "solar costs X" number is misleading.

Notice that payback barely improves as systems get bigger, and eventually gets worse. That's because you can only save money on electricity you were going to buy anyway. Once a system covers your usage, extra panels mostly generate exports at a much lower rate.

Why Bloomington gets 1,551 sun hours

That figure comes from Google's analysis of real rooftops across Bloomington — it already accounts for shading from trees, chimneys and neighbouring buildings, which is why it's lower than the raw "hours of daylight" figures you'll see elsewhere. An unusually open, unshaded roof in Bloomington reaches about 1,629 hours, roughly 5% better than typical.

The numbers behind this page

Typical usable sunlight1,551 hrs/yr
Unshaded roof1,629 hrs/yr
Electricity rate (Illinois avg)16.3¢/kWh
Installed cost assumed$2.85/W
Panel size assumed400 W
Federal tax credit30%
Typical household usage10,800 kWh/yr
Power used as generated34%
Paid for exported powerfull retail (net metering)
Rooftops sampled here12
Google imagery from2023

When Bloomington actually produces

Annual totals hide the thing that catches people out: 36% of Bloomington's yearly sunlight arrives in May–July, and just 13% across November–January.

Estimated usable sun hours by month in Bloomington (latitude 40.5°)
MonthSun hrsShare of year
Jan 69
Feb 93
Mar 125
Apr 159
May 182
Jun 192
Jul 187
Aug 168
Sep 137
Oct 102
Nov 74
Dec 62

Bloomington produces about 3.1× as much in Jun as in Dec — a normal mid-latitude swing. Expect real winter shortfall and summer surplus rather than steady year-round output.

The annual total is measured from Google's rooftop imagery. Its split across months is calculated from solar geometry at Bloomington's latitude, not separately measured, so treat the monthly figures as the shape of a typical year rather than a forecast.

How Bloomington compares to the other 788 cities

MeasureBloomington Rank of 788
Usable sunlight1,551 hrs333rd
Sunlight lost to shade5%425th most
Median roof size308 m²112th largest
Electricity rate16.3¢334th highest
Payback9.5 yrs307th fastest
Grid carbon892 kg/MWh21st dirtiest

What actually stands out about Bloomington:

  • Plenty of roof to work with. Typical roofs here fit around 121 panels — roughly 5× what an average home needs. Roof size will not be what limits your system in Bloomington.
  • Every kWh counts more here. The grid serving Bloomington emits 892 kg CO₂ per MWh, among the highest of the 788 cities measured — so the same panels displace more emissions than they would elsewhere.

Cities with almost the same sunlight

These are the closest matches to Bloomington's 1,551 usable sun hours from other states and provinces. Same sunlight, different electricity prices — which is usually what decides whether solar is worth it.

CitySun hrs RatePayback
Muncie, IN 1,55015.3¢ 10.1 yrs
Ames, IA 1,55213.2¢ 11.7 yrs
Suffolk, VA 1,55214.2¢ 10.9 yrs
Rome, GA 1,55214.1¢ 10.9 yrs

Nearby cities

See all of Illinois → statewide sunlight, rates, incentives and every city we've measured.

Bloomington solar questions

How many solar panels do I need in Bloomington?

About 21 panels for an average home using 10,800 kWh a year. Bloomington roofs get 1,551 usable sun hours, so each 400W panel produces roughly 527 kWh annually. A typical Bloomington roof fits about 121 panels, so roof space is unlikely to be your limit.

Is solar worth it in Bloomington?

At 16.3¢/kWh and 1,551 sun hours, a typical system pays for itself in about 9.5 years and returns roughly $27,531 over a 25-year panel life. That is a solid return, and it improves further if electricity prices rise. Exported power earns full retail credit here.

How much do solar panels cost in Bloomington?

A 8.4 kW system costs about $23,940 before incentives and $16,758 after the 30% federal tax credit. That works out near $2.85 per watt installed. Roof pitch, shading, electrical panel upgrades and equipment choice move the price most, which is why quotes for the same house can differ by thousands.

Worth reading before you buy

Estimates only, generated 2026-08-22 from Google Solar API rooftop samples and average Illinois electricity rates. Not a quote and not financial advice. Your roof, usage, utility plan and local incentives will change these numbers — get real quotes before buying.