Where do you live? How many panels and what power?
I live in north central Minnesota, 47 degrees north latitude. The system is rated at 12,300 kW, 46 panels, 5 year average annual production is 15,435 kWh (rounded to 15,500 kWh for following comments).
are you seeing any signs that the panels are starting to become less efficient because of dirt or aging?
No measurable impact of either. Summer rains and winter snow clearing keep the panels clean. A couple of summers ago I washed 1/2 of the panels and then compared output to the unwashed panels. Could not discern a difference.
what did it cost to install and how long do you think it'll take you to recoup your money?
I think this is the wrong question to ask because I consider the system to be a long term investment, not a costs, with a return on investment starting the day the switch is turned "on." And the investment is insulated from increase in electric rates and from taxes. The panels are warranted for 25 years, and experience shows that substantial panel output continues long after that. And, the system also will add substantial value to our house so that when it may be sold, a large portion of the initial panel purchase cost will be recouped in the sale.
Not only do we no longer have an electric bill, but the system now also fuels our Chevy Bolt (BEV), annual mileage about 14,000 miles, and no fuel/oil/maintenance expense, except tires, which I value at a minimum of $1,500/yr. When that value is added to the rate of return on the PV system, economic payback is about 10 years. That is with no state, local or utility incentives.
Importantly, for my wife and I, we now have nearly eliminated fossil carbon into the atmosphere from our household energy use, we are providing clean air and water for the benefit of all living things, we are making substantial effort to protect our earth home as best we can, and we are setting an example for our children, grandchildren, friends and neighbors to follow. Our son now also has installed solar on his house and purchased two BEV electric cars, our neighbor is planning on installing a solar system during 1919, another friend installed a solar system three years ago, and numerous people have come to see our system and talk to us about installing solar. Win/win/win in all respects.