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Solar panels in San Francisco, CA

Every figure below is produced by simulating a full year — 8,760 hours — of sun angles, cloud cover, air temperature and wind for San Francisco, then running the result through a panel and inverter model. No rules of thumb.

1,510kWh per kW / year
10,569kWh from a 7 kW roof
0.802performance ratio

What a system actually produces here

Solar output in San Francisco peaks in July and bottoms out in December, a swing of about 2.3×. That seasonal shape matters more than the annual total if your utility settles exports monthly rather than annually — a big summer surplus can be worth much less than the same energy spread evenly.

MonthSun (kWh/m²/day)kWh per kW7 kW system
Jan2.277539
Feb3.190627
Mar4.4126880
Apr5.91501,047
May6.71631,142
Jun7.21641,145
Jul7.21701,193
Aug6.41591,115
Sep5.3137962
Oct3.9117818
Nov2.685593
Dec2.073510

Electricity rates that shape the payback

What a solar system saves in San Francisco depends less on how much it produces than on when it produces, and what your utility pays for the surplus. These are the CA schedules modelled by the calculator:

PG&E — E-TOU-C

Peak 4–9pm every day, year round. PG&E’s legacy default TOU rate. Fixed charge $24.00/month. Summer Peak $0.52, Off-peak $0.32. Winter Peak $0.40, Off-peak $0.29.
Source: PG&E residential rate plan pricing, effective 1 Mar 2026

PG&E — E-ELEC

The default rate for new PG&E solar customers under net billing. Deep midnight–3pm off-peak. Fixed charge $24.00/month. Summer Peak $0.55, Part-peak $0.39, Off-peak $0.33. Winter Peak $0.32, Part-peak $0.30, Off-peak $0.28.
Source: PG&E residential rate plan pricing, effective 1 Mar 2026

Southern California Edison — TOU-D-PRIME

What new SCE solar and storage customers are put on. No baseline credit; $24.15/mo basic charge. Fixed charge $24.15/month. Summer On-peak $0.60, Mid-peak $0.43, Off-peak $0.27. Winter On-peak $0.52, Mid-peak $0.46, Off-peak $0.29.
Source: SCE Schedule TOU-D-PRIME; Base Services Charge from Nov 2025

SDG&E — TOU-DR1

The highest residential prices in the continental US. On-peak 4–9pm daily. Fixed charge $24.15/month. Summer On-peak $0.70, Off-peak $0.48, Super off-peak $0.39. Winter On-peak $0.62, Off-peak $0.54, Super off-peak $0.45.
Source: SDG&E Schedule TOU-DR1 total rates table, effective 1 Jan 2026

Export rule: PG&E — net billing — exports earn the hour-by-hour avoided-cost value rather than retail, which in the middle of a sunny afternoon is a small fraction of it. PG&E — net billing — exports earn the hour-by-hour avoided-cost value rather than retail, which in the middle of a sunny afternoon is a small fraction of it. Southern California Edison — net billing — exports earn the hour-by-hour avoided-cost value rather than retail, which in the middle of a sunny afternoon is a small fraction of it. SDG&E — net billing — exports earn the hour-by-hour avoided-cost value rather than retail, which in the middle of a sunny afternoon is a small fraction of it. Under net billing, exported kilowatt-hours earn far less than the retail price you pay to import them — which is why self-consumption and batteries change the maths so much. The calculator settles every hour individually rather than netting annually.

Run your own numbers

Payback depends on what you pay for the system, how much power your household uses after dark, and which incentives you qualify for — none of which a city page can know. The calculator asks for those and settles all 8,760 hours against your actual rate.

Open the payback calculator

See also: solar incentives in California — the state credit, the export rules, and what the §25D expiry changed for buyers here.

Other cities

Method

Irradiance is decomposed into beam and diffuse components and projected onto the array plane with the Perez model, with incidence-angle losses, a cell-temperature model driven by air temperature and wind, and an inverter efficiency curve including clipping. Annual yield is checked against NREL PVWatts v8 across all 18 modelled cities; RMS error is 2.70%. See the glossary for what each term means.