<human>: I will start by providing some background: I am 25 years old, have a bachelor's degree, live in Texas, and make about $65k annually. I contribute $500 a month to my Roth IRA, $440 per month to a 401k, and on average $200 per month into an investment account I play around with (currently valued at ~$5300). I own a home and owe about $148k on my mortgage (my ONLY debt). My mortgage payment is about $1200/month, but i have 3 roommates who cover about $1050 of that. The home is worth $160k currently. I pray that all this information will magically inspire one of you to paint a wonderfully colorful picture about the advantages and drawbacks of the proposal mentioned in the title, and detailed below...

I have been toying with the idea of outfitting my residence with a solar system. I can buy a 6.25KW DC Solar Electric (PV) system through a local and trusted company. They value the system at $19,000. Through a local subsidy/incentive, the cost to me would be $14,000. Add to that the federal income tax incentive, valued at ~$4000 for me, that brings the cost to around $10,000 after it's all said and done. I've read several articles that say that adding solar panels can increase the property value of your home, and also manifest savings in utilities bills. Electricity in my area is expensive. We're talking $0.15 per kWh for an annual total of ~$3,000 for ~20,000 kWh. The system they want to install will effectively cut that usage and the bill in half. To do this, I would want to take out a small home improvement loan so as to not diminish my savings/emergency fund at 3.8%.

My question to you, r/personalfinance, are what are the advantages and disadvantages to this? It seems great, but if it is so awesome, why don't more people do it?  Would it increase my home value and if so by how much? Would it be worth doing if I were going to move out and convert this to a rental property (would it add rental value?)?  Any and all commentary and discussion here would be appreciated.

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<bot>: I want to install a 6.25 KW DC solar PV system. What are the ups/downs and potential value added to my home value, both retail and as a rental?