Why the payback is long here
Savings are the price of the electricity you no longer buy. West Virginia has historically had cheap electricity, so each displaced kilowatt hour is worth less than in a high-rate state.
Export crediting has also been reduced. Appalachian Power moved to roughly 12.4 cents per kWh for generation outside the 2026 transition window, and Mon Power and Potomac Edison have paid 9.3 cents for excess since January 1, 2025.
And the incentive column is empty. The federal residential credit expired for property placed in service after December 31, 2025, and West Virginia has no state solar tax credit.
Those three together are why the payback figure here is in the mid teens rather than in single digits. That is arithmetic rather than pessimism.
What still works in your favour
Self-consumption. Electricity you use at the moment it is generated offsets a purchase at the full retail rate, which is more than any export credit pays.
Rising rates. The Public Service Commission approved a double-digit residential increase for Mon Power and Potomac Edison, so the value of avoided purchases is increasing even as export crediting falls.
Reasonable installed costs, around $2.95 per watt, which is close to the national middle rather than at the high end.
And crediting that, while reduced, remains substantially better than the avoided-cost regimes in several neighbouring states. Roughly 67 to 75 percent of retail is not one-to-one, but it is not three cents either.
What a workable design looks like
Sized to your consumption rather than your roof, since credited generation is worth less than avoided purchases. Ask what percentage of your annual usage the design covers.
Paired with load shifting where you can, so that more generation lands inside household demand at the full retail rate.
Quoted with the two values separated: avoided purchases at retail, and credited generation at the applicable rate, with the self-consumption share stated.
And stress-tested. Ask to see the projection at a lower self-consumption share and at zero rate escalation. In a fourteen-year payback, an optimistic assumption anywhere has a long time to compound.
Building the number from the meter and the credit
Strike the federal residential credit from any quote showing it, and do not expect a state credit in its place, because West Virginia has none.
Rebuild from retail value for self-consumed generation and credited generation at the rate applicable to your utility and your transition tier.
Ask your county assessor how residential solar is treated for property assessment at your address, since that is administered locally.
Then ask for the projection in writing with both values separated, the self-consumption share stated, and a version at zero rate escalation.