Yes — affordable solar panels with high efficiency are available, but it depends on what you mean by “high-efficiency” and “affordable.” Here are the important facts and practical guidance:

1. What “high-efficiency” means

• Efficiency = percent of sunlight converted to electricity.
• Typical mainstream residential panels: ~18–21% efficiency.
• “High-efficiency” panels: generally ≥21% (many premium panels reach 22–23% or more).
• Ultra-high-efficiency cell technologies (heterojunction/HJT, TOPCon, back-contact like n-type) push the top end but cost more.

2. Affordability tradeoffs

• Higher-efficiency panels cost more per panel, but because they produce more watts per square foot they can reduce balance-of-system costs (fewer panels, less racking, possibly lower labor and permitting costs).
• If roof space is limited, high-efficiency panels often give the best value.
• If you have ample roof area and lowest upfront cost is priority, mid-efficiency, lower-cost panels can be cheaper overall.

3. Typical costs and value drivers (conceptual)

• Cost metrics: dollars per watt (installed) and dollars per watt for panels alone.
• Installed system cost depends heavily on labor, inverters, permitting, and local incentives — panel price is only part of it.
• Consider lifetime energy production (efficiency × degradation rate × warranty) when comparing value.

4. Technologies to look for

• PERC (widely used, good efficiency/cost balance).
• TOPCon and heterojunction (HJT) — higher efficiencies and better low-light performance, often a premium.
• N-type silicon and back-contact cells (e.g., IBC) — top performance but higher price.
• Bifacial panels can add extra energy if your mounting/ground reflectivity suits them.

5. What “affordable high-efficiency” practical advice

• Aim for panels ≥21% if you need high efficiency; compare price-per-watt and expected annual energy output for your site.
• Compare warranties: look for 25-year performance warranties and at least 10–15 years equipment warranty.
• Check degradation rate: lower annual degradation (e.g., 0.3–0.5%/yr) increases lifetime energy.
• Get multiple quotes from reputable installers; ask for modeled production for your roof to compare real-world value (not just nameplate watts).
• Consider total system cost (installed $/W) and payback/ROI, not just panel sticker price.

6. Other cost-lowering levers

• Federal, state, and local incentives and tax credits can make higher-efficiency panels more affordable in practice (e.g., investment tax credits and utility rebates).
• Purchasing during promotions or choosing a slightly lower-efficiency but well-reviewed panel can improve cost-effectiveness.
• Leasing or PPA options may reduce upfront cost but change long-term savings.

7. Risks and quality signals

• Prefer manufacturers with long warranties, strong bankability/reputation, and independent test results.
• Look for certified test standards (IEC, UL) and independent performance reports where available.

Bottom line Yes — you can get panels that are both relatively affordable and high-efficiency, especially if you value roof space savings or long-term production. The best choice depends on your roof size, local incentives, and whether you prioritize lowest upfront cost or best energy per area and lifetime yield. If you want, I can help you compare realistic options for your roof (panel efficiency vs. cost) if you tell me your location, roof area/orientation, and whether you prefer lowest upfront cost or maximum lifetime energy.