I'm in a very similar location to you and have looked into solar panels, and will probably get them at some point, but not most pressing need, expenditure wise.
From my research into your original question the answer is yes, probably, depending on specifics of usage on average, as well as seasonal demand. For instance, unless you have a big open array at extreme angle, adjustable or other wise, they aren't going to help much with winter heat.
The first question to ask is how you can conserve to cut your electrical usage first, before thinking about alternative energy. LED bulbs save me over $80 a month, and I still use incandescent in a few places where I prefer them.
On the domestic hot water, maybe look into conditioning tank, and or alternate heat source. Might be time to look at an on demand propane unit, at least for some of hot water needs.
Always nice not be reliant on one source for energy needs, in my opinion.