Cincinnati (where I live) is about half a year away from completing the largest city financed solar array in the US [0,1]. Ohio gets plenty of sun, in fact it averages more sun than _anywhere_ in Germany which is known for it's solar [2,3].
In Ohio for residential, which is a good bit more expensive than commercial/utility scale solar, the payback period is about 12 years[4], well within the margin of getting your money back and then some.
0: https://www.cincinnati-oh.gov/mayor/news/cincinnati-to-const... 1: https://newmarketsolar.com/ 2: https://www.nrel.gov/gis/assets/images/solar-annual-ghi-2018... 3: https://solargis.com/file?url=download/Germany/Germany_PVOUT... 4: https://www.energysage.com/local-data/solar-panel-cost/oh/