The short answer

The 120% rule, plainly

The electrical code lets the breakers feeding a panel's busbar add up to 120% of its rating: 125% of the inverter's output current plus the main breaker can't exceed 120% of the busbar. For a 200 A busbar and a 200 A main, that leaves 40 A for solar (plan-check guide). Bigger systems need a smaller main breaker, a different connection, or a new panel.

What it costs

WorkMedianMiddle half
Main service panel replacement$3,500$2,100–$5,000
Customer-side service increase$2,800—
Utility-side costs passed to the customer$3,500—
Subpanel$1,500—

Industry-reported costs for single-family homes, national survey (Berkeley Lab, Aug 2026).

Permits

SolarAPP+ handles panel upgrades and breaker derates in most of the SoCal cities that use it, and the City of San Diego's self-issued solar permit allows upgrades up to 320 A. A service upgrade may also need the utility to change the connection; ask the installer to include that time in the schedule.

Checked against official sources on Oct 1, 2026. Sources are linked in the text. Not legal, tax or financial advice.