In EU it would be some $3k for inverter, $5k for panels, another $5k for cables, connectors and mounting and that's it if you DIY everything. Prices with VAT included.
Payback time is 2-4 years.
It reminds of healthcare and infrastructure in the US. When you really dig into why both are so expensive, it's literally every step. Every link in the chain between supplier and consumer is some kind of inefficient market, or burdened by regulations, etc.
Americans are just so rich they don't care enough to see these huge margins and undercut the competition, which is what happens here and keeps markets much more efficient.