It has been stated that Minnesota has the same solar potential as Houston, Texas. One of the best things we have going for the northern latitudes is the reduced overall temperatures. Much like electronics, solar panels do better when the temperatures drop. In fact, the size of the electrical devices and overloads need to be calculated for the coldest day.
The best way to make a solar system pay off is to first reduce YOUR demands. Get your house to be more energy efficient by replacing old appliances, installing occupancy sensors to reduce the lighting load, and installing new windows to reduce the cooling load. An added benefit of reducing your load is a smaller required solar system to support your living needs!