Yeah a fully decked solar home would kick ass. In the sunnier states, the gov. kicks in less rebates and incentives, but your payoff will still be quick.
Around here, rebates and incentives get you 45% back since NY is not a very sunny state. We have Net metering here, which means your summer excess is given back to you in winter when you need it more and there is less sun.
Check your U.S. States government incentives and local rebates here:
http://www.dsireusa.org/