I did my own solar installation for about $1000, and it's enough for me to live lightly on (no AC, no microwave, no electric heater, but laptop and phone and hotspot stay charged, and fans can run indefinitely). Fridge runs on propane, when I'm off-the-grid. I'd need to quadruple that to turn on the AC or electric heat for any length of time, and would need a lot more batteries (I have three group 27 deep cycle batteries and a 3000 watt inverter).
Anyway, I got sidetracked a bit. We're currently at the point where a DIY installation can pay for itself in under 9 years. Maybe even as little as 7. Professionally installed systems, with subsidies, are probably around the 10 year repayment mark. And, the panels get cheaper every time I look into it. The batteries stay pricey, though.