You’re in the USA? If so, your permit and installation costs are the single largest part of the whole thing. The actual panels and inverters are cheap, utility-scale PV is cheap even in the USA, and even home solar is cheap when the government isn’t getting in your way — my parents and my in-laws in the UK (the entirety of which is north of the entire contiguous USA and which is not known for lacking building regulations) have PV systems which each cost about half your quote and which generate about £1,000/year each.

The cost of solar is now about half what they spent.