Don't pay your power bill, you'll be off the grid soon enough.
The problem is that urban and suburban areas typically have restrictions that prevent the use of windmills which requires the least amount of capital and micro-hydro requires not only certain geologic features on your land which is unlikely in urban and suburban environments but also the water rights to such features.
You can get real close with solar thermal collectors which can take care of your hot water, and residential heating needs which is the bulk of your energy use. It can also take care of your air-conditioning needs via the absorption chillers which are the original refrigeration/air conditioning techniques and still the one used on large scales. Unfortunately absorption chillers are expensive in small residential scale implementations. Solar thermal can easily be 1/10th the cost of solar photovoltaic but residential absorption chillers would consume that difference very quickly. Effectively, so long as air-conditioning is not needed, solar thermal can be the solution at a tenth the cost of solar photovoltaics.
Another concept would be to lease a small lot of land from a farmer that is close to transmission lines, put a windmill there and sell the power to the power company while purchasing back that power in the city. You would have to find a loophole or two in the legislation that allows for residential net metering but the idea would be to leverage the grid to address the geographic problems of an urban location which is why the grid exists in the first place. There are significant limits to this concept as power generated remotely is less valuable to grid operators then power generated local to the consumption and remote generation involves greater transmission losses and more instability to the grid, grid operators only allow for net metering because legislators require them to do so.
