
No, not at all. In fact, the Midwest receives enough sunlight all year long to heat water for any household with an appropriately sized array. Even in the winter months with sub-zero temperatures, or on days where the clouds cover the whole sky, having a solar hot water system is beneficial and efficient. Unlike earlier generations of solar heating systems, newer systems are simple to operate and easy to maintain year round.
Depending upon your solar system size, household hot water use, and locational energy rates, you could see a payback in as little as ten years--maybe even less. Your payback time will be shorter if you shower, wash dishes and wash clothes in the afternoon and early evening when the conventional heater is barely needed. Heat and hot water costs represent the largest portion of monthly utility bills for both homes and businesses. An appropriately sized solar thermal system for domestic hot water can lower water heating bills by 75% or more. Why not let the sun do your heating?
Absolutely. The federal government just extended the 30% tax credit for both commercial and domestic solar hot water installations until 2016. In addition to federal incentives the Database of State Incentives for Renewables and Efficiency (DSIRE) lists state-specific rebate and incentive programs for renewable energy purchases. For example, residents in Wisconsin installing a solar hot water system in their home qualify for up to 25% cash-back reward from Wisconsin Focus on Energy (FOE).

Besides cheaper energy costs, you'll also increase the value of your home by installing a solar hot water system. Having a renewable energy facility is a very attractive feature in the housing market. You'll also be making a positive impact on the environment; by using less conventional gas or electricity energy, one household can reduce greenhouse gas emissions by up to two tons per year.
Bubbling Springs Solar warrants the Main Stream solar collectors for 15 years--however, a well-maintained solar hot water system will last 40 years or more, making solar thermal a very wise investment.