It depends on what you want the system to do, and where you live, and if you have full retail sell back to the grid.
If you only want to sell back to the grid, and you live in an area with really good solar hours, and especially if you live in an area where electrical costs are high, and especially if you can ground mount the system, then right now it would pay for itself in short order. (Less than 5 years unless they d*ck you on price.) The drawbacks to this grid-tie only system is that when the grid is down, you have no power, even though solar is working, because a grid tied system must shut down when the grid shuts down. Also, if you have to mount on your roof, the price will be higher because of the rapid shutdown and disconnect systems required for the fire department.
So, if you want power when the grid is down, you have to go to a hybrid system. This is the system I am currently specing out. THis system requires a battery bank to keep you up when the grid goes down, and allows you to continue to use your solar even when the grid is down.
My system is stout, because I need it to power most everything if the grid goes down. It may not be able to power EVERYTHING simultaneously if the grid goes down, but it can power most things at the same time. (Including central AC, water pump, water heater, etc.)
So the system I'm looking at is 2 Sol-Ark 12K's in parallel, which can supply 18.5KW of power on grid, or 16K off grid. (ANd can handle a 38KW surge for 5 seconds) Because of the need to power the AC/Heat at night, it will have a 45KWH battery bank and 15KW of solar panels.
But I'm lucky. I'm putting this in in Arkansas, where we can sell back to the grid at full retail. And I'll have that contract in place for 20 years. With the 26% tax rebate in place for this year, it has a 10.5 year payback period, which is still quite long. However, since this would eleviate the need for me to buy a generator of similar power size, the payback of not having to purchase the generator would be about 5 years. Over 20 years, the system will generate a net profit of $25K, not including having to replace anything that goes bad along the way. (The battery bank will need to be replaced in 11 years, and thats taken into account. ) THe Sol-Arks have a 10 year warranty, which is nice.
The issue I have is that I HAVE to have a power backup system to keep the ac on (I have terrible sinuses) and for my work. If I didnt, I probably still wouldnt do this because of the high up-front cost (although the tax rebate would come back to me fairly quickly, which is 26% of the price) But the time horizon is still so far out that there is a significant risk that I wouldnt really save any money. THe good news would be I"m shielded from future higher electrical prices (electricty is dirt cheap here, which is one reason its hard to cost justify. ) NOw, if the electrical prices were 15 cents per KWH, AND I could sell back at full retail, it becomes a no-brainer because I would would gain back 50% of the payback period, and generate a far greater 20 year profit. SO if you live in an area that has good solar hours, high electrical prices, and full retail sellback, thats kind of the trifecta you are looking for.
By the way, there's a kilowatt and electricity calculator for your solar system for your area at
https://pvwatts.nrel.gov/pvwatts.php
I am required to submit the simulators result to the state and Entergy so they can determine how much power I would be pushing back onto the grid. But you can also use that to see how much electricity your system is projected to generate in dollars, and can use that for your ROI calculations.