☀️ 2025 Solar Tax Credit & State Rebates
ROI Calculator & Best Financing Options
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1. Why install solar in 2025?
- 30 % Federal ITC locked-in through 2032 (Inflation Reduction Act)
- Average utility rates up 14 % since 2022 (EIA)
- Equipment prices hit an all-time low – module cost ↓ 37 % YoY
- Most systems now pay back in 6 – 8 years in sunny states
2. Federal Solar Investment Tax Credit (ITC) 30 %
The ITC lets you deduct 30 % of total project cost (equipment + labor + batteries) from your federal income taxes for installs completed 2022-2032.
- Battery-only retrofits qualify (≥ 3 kWh capacity)
- Uncapped – $0.30 on every $1 spent
- Carry-forward allowed for 5 tax years
3. State Rebates & Net-Metering Snapshot (Top 10 Savings States)
| State | Direct Rebate | Net-Metering Rate* | Extra Credit |
|---|---|---|---|
| CA | $0.15 /W | 75 % retail | SGIP battery grant |
| MA | SMART $0.06 / kWh | 100 % retail | State ITC 15 % |
| NY | $0.20 /W | Value-Stack | 25 % State ITC |
| NJ | SREC-II $90/MWh | Full retail | — |
| IL | Illinois Shines $70/MWh | Retail credit | Low-income adders |
| TX | Utility rebates up to $3 000 | Varies utility | — |
| CO | $0.40 /W (Xcel) | 1:1 kWh credit | Batteries rebate $500/kWh |
| AZ | $0.10 /W (Tucson) | 70 % retail | — |
| SC | 25 % State tax credit | Full retail | — |
| FL | — | Full retail | Property-tax exemption |
*Net-metering rate vs utility retail price, May 2025. Policies may change.
4. 5-Year ROI & Payback Calculator
5. Zero-Down Financing & Leasing Options
- Solar loans – 10-20 yr, rates from 3.99 %, interest deductible if property-secured.
- Power-purchase agreement (PPA) – pay per kWh, no upfront cost.
- Lease – fixed monthly, maintenance included; incentives claimed by installer.
6. FAQ
Can I stack the ITC with state tax credits?
Yes – claim state credits first; the ITC then applies to the remaining net cost.
Does battery storage qualify?
Standalone batteries ≥ 3 kWh installed after 2023 are eligible for the full 30 % ITC.
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