Summary: 40 x 340W panels = 13.6kW capacity + inverters, racking, odds and ends = Total: $17999.52

You can save a little more on shipping, probably bring the cost down by about $900 so let's call it $17k. If you live in the Bay Area, you could just pick it up yourself and get it down to $16k.

Probably $3k on a roofer, $2k on an electrician. Total $21-22k. Before tax incentives. Sounds like you are paying about $3,200 for the amount of power this setup would produce in a year. Break even on after-incentive cost = 4.5 years. You might be eligible for other incentives in your state/city if you check.

I can send you the quote from renvu if you want.