Pennsylvania homeowners · E-Minded Plan
On a real Pennsylvania bill, the electricity itself was $88.80 of $185.47. The other $96.67 was wires, fixed charges and taxes. You can shop your supplier — most people here already have — but the delivery piece is captive: no supplier, no plan and no phone call lowers it. The only thing that reaches it is power that never travels down anyone's wires.
We don't install. We read your actual bill and tell you whether this makes sense at your house. If buying is the better move for you, we say so — and further down this page we explain exactly when it is.
An actual Pennsylvania bill
What it actually is
01
The system isn't yours. No down payment, no loan, no debt in your name. You'll still get a bill from the utility — a much smaller one — and you pay the rest to whoever produces the power.
02
There are agreements out there that climb around 2.9% every year for 25 years. That's real, and it's what burned people. This one has no annual increase written into it at all — the rate in year one is the rate in year ten. Your utility, meanwhile, resets its price twice a year.
03
Monitoring, maintenance, labor, roof penetrations, panels, inverters — covered for 25 years. If the system produces less than promised, that's their problem to fix, not yours.
What changed on January 1st
The homeowner credit ended December 31, 2025.
The 30% residential credit for buying your own system — cash or financed — expired. A system bought in 2026 gets nothing back from the federal government.
The credit for third-party-owned systems is still there.
When the system belongs to the company that installed it — a lease or a PPA — a different section of the tax code still applies, and it runs through the end of 2027.
You don't claim it. It's applied to your rate.
The company that owns the system claims the incentive and applies that value to bring your monthly rate down. You never file anything, and you never receive a check. That's the honest version, and it's why the rate can start below what you pay the utility today.
And if you're a PECO customer, there's $500 that is yours.
PECO pays a $500 rebate on a residential solar installation — and unlike the tax credit and the SRECs, this one goes to the account holder. That's you. We file the paperwork with you so it doesn't get left on the table. One system per customer, per property, and the program runs through 2031. This one is PECO's own program, so it applies in PECO territory only — PPL, Met-Ed, Penelec and Duquesne have rebates too, but theirs are for solar water heaters, not panels. We'd rather be precise than let you expect a check that isn't coming.
How it compares
The Pennsylvania question
01
Your system overproduces from spring through fall. Every extra kilowatt-hour goes onto the grid and comes back as a credit. Those credits sit on your account and get used when the days are short.
02
Pennsylvania's regulated utilities are required to credit exported solar at the full retail rate — not a wholesale fraction. That's the rule that makes the winter math work here, and it's why we check your utility before anything else.
03
Any honest design looks at a full year of your usage, including the two months that hurt. If someone sizes your system off a summer bill, that's how you end up short in February.
Before you spend any more time
Said out loud
Production is guaranteed in writing. Savings are not a fixed number.
The agreement commits to a minimum amount of power from the system. What you save depends on your usage and your utility's rate — which is why anyone quoting you a percentage before reading your bill is guessing.
You will still get a bill from the electric company.
You stay connected to the grid, so a fixed interconnection charge remains. It's small compared to what you pay now. It is not zero, and we're not going to tell you it is.
You do not receive the SRECs or the tax credit.
On a leased system, the company that owns it owns the incentives. That value is applied to bring your monthly rate down. Anyone telling you that you'll be cashing state credit checks on a leased system is telling you something that isn't true.
There is no buyout option.
This program doesn't convert into ownership partway through. If owning the system is what you want, the route is buying it — and we'll tell you that instead of selling you around it.
Pennsylvania law gives you three days to cancel.
Any door-to-door agreement in this state carries a three-day right to rescind. We're telling you before you've agreed to anything. If you need those three days, take them.
The uncomfortable questions
No. There is no annual increase written into this agreement — not 2.9%, not 1%, zero. The rate you agree to in year one is the rate in year ten. This matters because it's the exact thing that burned people: there are agreements out there that climb roughly 2.9% every year for twenty-five years, and after a decade the homeowner is paying more than they would have paid the utility. Your own proposal states the rate and the escalator in writing before you sign anything — read that line first, on ours or on anybody else's.
Over twenty-five years and with cash in hand, yes — and we put that in the comparison table above rather than hiding it. What changed in 2026 is the gap. The federal credit for buying ended December 31, 2025, so a purchased system now costs about 30% more out of pocket than the same system did last year. The credit for third-party-owned systems is still in place through 2027. That doesn't make buying wrong. It makes the comparison different than it was, and worth running with real numbers instead of assumptions.
Pennsylvania is not Arizona, and we're not going to pretend otherwise. Two things make it work here anyway. First, your rate is high — every kilowatt-hour you don't buy is worth more here than it would be in a cheap state. Second, the regulated utilities are required to credit exported power one-for-one at full retail, so the surplus you generate in June is banked at full value and waiting for January. The system is sized against twelve months of your usage, not a summer month.
The agreement transfers to the buyer — that's the normal path and it's built into the paperwork. A house with a locked-in energy rate is usually an easier sell, not a harder one, especially in a market where the utility is resetting its price twice a year. If the buyer doesn't want it there's a defined process for that too, and an advisor walks you through it line by line before you sign.
Yes. You stay connected to the grid, so there's still a fixed interconnection charge each month. It's small next to what you pay today, but it doesn't go to zero. Anyone promising you a zero electric bill is setting you up to be angry at your first January statement.
You read right about the credits — Pennsylvania law does require utilities to buy solar renewable energy credits. But on a leased system, the company that owns the system owns those credits, not you. That value is applied to bring your monthly rate down, which is part of why the rate can start below what you're paying now. If you want to own and sell the SRECs yourself, that means buying the system. We'll tell you that either way.
Then that's a conversation to have before anything goes on it, not after. Roof penetrations are covered under the 25-year warranty, and if a re-roof is needed later the panels can be removed and reinstalled — there's a cost to that and it's disclosed up front. If your roof is genuinely at the end of its life, we'll say so and tell you to deal with the roof first.
You don't, yet — and that's a reasonable position. Complaints about solar companies rose more than 500% between 2018 and 2023, so the caution is earned. Here's what we can do about it: everything on this page is checkable, we've told you what isn't guaranteed, we've told you when buying is better, and we've told you that Pennsylvania law gives you three days to cancel any door-to-door agreement. None of that helps us close you faster. It's just what's true.
No, and neither is that. There is no state-run solar program in Pennsylvania that pays for your system. What Pennsylvania actually has is a law requiring regulated utilities to credit your exported power one-for-one, a law requiring them to buy solar renewable energy credits, and a state sales tax exemption. Those are real. A "state-approved program" that's "first come, first served" is a private company's ad written to sound like a government notice. We'd rather tell you that than let you find out from us later.
We're not going to put a percentage on this page. It depends on your usage, your roof, your utility and how the system gets designed — and a number invented before anyone read your bill is worth nothing to you. Send us one bill and you'll get the real one.
Start with one bill
We read your actual statement and show you what you're paying for power versus what you're paying to deliver it — on your utility, at this year's rates. If your roof, your utility or your timeline doesn't fit, we'll tell you that and we're done. You keep the breakdown either way.
Start with your ZIP code
One field to start. We'll ask for the rest only if your area checks out.
How long
About 20 minutes, by phone or video.
Cost
Free. No card, no catch.
Commitment
None. You decide, at your pace.