For a household using 26 kWh a day, about $810 a quarter at Victoria's 30c a unit, the calculator puts 10–13kW solar at $6,270 to $11,270 after rebates, and 10–13kW solar + ~15kWh battery at $9,640 to $20,640. This page also covers New Gisborne.
I am an advisor, not an installer and not a lead broker. You pay nothing at any point.
See what my home should costA large family in a four-bedroom house, someone home some days, using 26 kWh a day.
A ballpark for one example household, not a quote. The low end of each range is what a competitive installer charges; the high end is a poor quote for the same equipment. Prices are from the same calculator the free assessment uses, with Victorian rates and rebates, and sun hours are its figure for Victoria. Gisborne's postcode is in Zone 3 of the federal small-scale scheme, which carries a rating about 17% higher than Melbourne's Zone 4[1]. The panel discount on this page is priced for that zone; the sun hours are still the calculator's Victoria-wide figure.
Four real households, run through the same calculator this site uses for an individual report. Panels only, no battery, clean roof, someone home some of the time. Prices are after every rebate that applies in Victoria.
| Household uses | Their quarterly bill | System | After rebates | Saves a year | Pays for itself |
|---|---|---|---|---|---|
| 10 kWh | $373 | 5–6.6kW solar | $4,070 to $6,100 | $350–$530 | 9–10+ years |
| 15 kWh | $510 | 6.6kW solar | $4,850 to $6,850 | $500–$750 | 8–10 years |
| 22 kWh | $701 | 10–13kW solar | $6,600 to $11,600 | $760–$1,140 | 7–10+ years |
| 30 kWh | $919 | 10–13kW solar | $6,600 to $11,600 | $990–$1,480 | 6–9 years |
The bill column is what that household actually pays in Victoria at 30c a unit, which is why the same house has a different bill in every state. Savings depend on how much of the generation gets used on site rather than exported, and at 1c a unit for exports that is the number that decides the answer. A household out all day saves less than the figures above; one home most days saves more. Every figure is produced by the calculator, not written down, so it moves when the published rates move.
Gisborne is the Macedon Ranges town a lot of families commute from: big houses, high home ownership and a lot of mortgages. For solar the bigger story is the season. Up in the ranges, a house can need more power through the cold months, which is exactly when panels make the least.
Your retailer sells you the power. Your distributor owns the poles and wires, and it is the distributor that decides how much solar you may send back to the grid. Gisborne is inside Powercor's distribution area[2], so Powercor's rules are the ones a quote here should be designed to. Look for Powercor Australia on your bill, near the meter details.
Jemena's network reaches north as far as Gisborne South[3]. If your address is towards the southern side of town, check the name on your bill rather than assuming: Jemena sets its own export rules, and a quote should be designed to whichever network you are actually on.
The export limit is changing. Powercor's connection policy for 2026 to 2031, approved by the Australian Energy Regulator in April 2026, says it will lower the maximum static export limit to 1.5kW per phase during that period, and that rather than give anyone a zero limit it will offer flexible exports instead: up to 10kW per phase, varying with what the local network can take[4]. From 1 July 2026 flexible exports were first offered to customers whose pre-approval came back at 0kW. They need an inverter that supports CSIP-AUS and a reliable internet connection, and in Powercor's trial participants exported freely more than 90% of the time[5][6].
What that means in practice: the limit is set for your address at pre-approval, and your installer lodges that through Powercor's eConnect portal. Ask to see it before you sign. Power the house uses, or a battery stores for the evening, is worth the full import price. Power that runs into the export limit is simply lost, and even what gets out earns about 1c a unit. So size the array to what the house uses, not to the size of the roof.
At the 2021 Census, 57.6% of occupied homes in Gisborne had four or more bedrooms, against 32.6% across Victoria, and 47.7% were owned with a mortgage. Only 15.9% were rented, against 28.5% statewide.[7]
Big houses mean big roofs, but also big heating and cooling loads. What decides the right system here is usually the winter bill, not the summer one.
Things worth knowing before an installer walks the roof:
All of that describes the area, not your house. Two homes on the same street can be completely different jobs. Put your address in and the assessment works off the actual property rather than a town average.
Panels everywhere in Victoria make far less in June than in December. A Gisborne house that heats with electricity uses the most power in exactly those months, and in the evening, when there is no sun at all. That does not make solar a bad idea here. It means a quote should be judged on what it does across the whole year, not on a sunny January day.
A battery helps with the evening, because it stores the afternoon's surplus for after dark. It cannot move summer surplus into winter. If someone tells you a battery will carry you through the cold months, ask them to show you June, not January.
These are examples, not an average for Gisborne. They are picked to show how the answer moves for the kinds of household the census shows are common here. Clean roof, no shading, Victorian rates and rebates, and the battery prices assume it is installed before the federal battery discount steps down on 1 January 2027.
| Option | System | After rebates | Saves a year | Pays for itself |
|---|---|---|---|---|
| Change plan and cut waste first | No system | $0 | $160–$490 | Nothing to pay back |
| Solar panels only | 10–13kW solar | $6,270 to $11,270 | $870–$1,310 | 6–10 years |
| Solar plus a 10kWh battery | 10–13kW solar + 10kWh battery | $7,400 to $18,000 | $1,560–$2,260 | 4–9 years |
| Solar plus a 15kWh batteryPays back fastest | 10–13kW solar + ~15kWh battery | $9,640 to $20,640 | $1,890–$2,550 | 5–9 years |
Solar plus a 15kWh battery. It pays back fastest of the options open to you, which is the only measure here that accounts for what the thing actually costs.
Before any of it: get onto a competitive retail offer. It costs nothing, it takes an afternoon, and on a bill your size it is worth roughly $160 to $490 a year. Every payback below gets shorter once you are paying less per kWh, so it is worth doing first either way.
| Option | System | After rebates | Saves a year | Pays for itself |
|---|---|---|---|---|
| Change plan and cut waste first | No system | $0 | $110–$340 | Nothing to pay back |
| Solar panels onlyPays back fastest | 6.6kW solar | $4,560 to $6,560 | $720–$1,080 | 5–7 years |
| Solar plus a 10kWh battery | 6.6kW solar + 10kWh battery | $6,140 to $14,040 | $1,360–$1,740 | 4–9 years |
Solar panels only. It pays back fastest of the options open to you, which is the only measure here that accounts for what the thing actually costs. Solar plus a 10kWh battery takes more off the bill, about $695 a year more, for more capital up front. If keeping the lights on through an outage matters to you, that is the trade you are actually being offered, and it is a reasonable one.
Before any of it: get onto a competitive retail offer. It costs nothing, it takes an afternoon, and on a bill your size it is worth roughly $110 to $340 a year. Every payback below gets shorter once you are paying less per kWh, so it is worth doing first either way.
"Pays for itself" is the range between a competitive quote and a poor one for the same equipment, and 10+ means not inside ten years. The battery ranges are wide for the same reason. Your own usage, roof and timing will move every figure here, which is what the free assessment works from.
Applied by the installer as a discount on the quote, not something you claim. It scales with system size: on the 10–13kW solar in the first example above the calculator counts $2,330. It falls a little each year until the scheme ends in 2030. One local difference: this postcode is in Zone 3, where the same system earns about 17% more STCs than in Melbourne[1], and the figure above already counts it.
Up to $1,400, or half the cost after the STC discount if that is less, plus a matching interest-free loan you choose when you apply. Household taxable income under $150,000, property under $3 million, and no solar installed at the address in the last ten years. Owner-occupiers, owners of homes under construction and rental properties can all apply. Rebates are released in batches, so check what is left in the current release before you count on it. From 1 July 2027 household solar support moves into the Victorian Energy Upgrades program[8][9].
Victoria's own battery support has closed, so the federal Cheaper Home Batteries Program is the one that applies[10]. On a 10kWh battery the calculator counts $2,520. The rate is set by the date the battery is installed, not when you order it, and it steps down on 1 January 2027 and every six months after that[11]. Larger batteries earn less per extra kWh: the full rate applies to the first 14kWh.
There has been no minimum feed-in tariff in Victoria since 1 July 2025. Retailers set their own, and it cannot go below zero[12]. The calculator assumes 1c a unit, which is why every example on this page is decided by how much power the house uses itself.
The full breakdown, with dates, is in Victorian solar rebates explained.
Already holding a quote? This is how I read one, line by line.
For the first example household on this page, 26 kWh a day, the calculator puts 10–13kW solar at $6,270 to $11,270 after Victorian rebates, and 10–13kW solar + ~15kWh battery at $9,640 to $20,640. The range is the gap between a competitive installer and a poor quote for the same equipment. Your own figure depends on your usage and roof, which is what the free assessment works out.
Mostly Powercor. Gisborne itself sits inside Powercor's distribution area, and Jemena's network reaches up as far as Gisborne South, so an address towards the southern edge is worth checking on the bill. Whichever it is, the distributor sets your export limit at pre-approval, not your retailer, so ask your installer for the approved limit before you sign.
Usually, yes, but judge it on the whole year. Panels earn most of their saving between spring and autumn, and a house that heats with electricity has its biggest bills in winter, when the panels make least. The worked examples on this page show the calculator's answer for two Gisborne-sized households; your own winter usage is what the free assessment should be given.
The installer, and only when a job completes. Never the homeowner. No installer can buy placement, and nothing about you reaches one until you ask me to make the introduction.
About a minute. You get the system size, what it should cost, and what it saves. No one calls you unless you ask.
Start My Free CheckIndependent explainers on the parts of this that actually change the answer.
Prices, savings and paybacks come from this site's calculator, using Victorian rates verified 2026-08. Everything else is from the sources below, read on the date shown. Rules and rebates change, so check the source before you rely on one.