Residential arrays
Home solar
Sized to the roof, the shade, and the utility on the bill. Not to a federal credit that ended.
The 30% federal residential clean energy credit, Section 25D, does not apply to homeowner-owned systems placed in service after December 31, 2025. That is the law after the One Big Beautiful Bill Act. A lease or a power-purchase agreement is a different structure: the company that owns the system may still have a commercial credit, and that may or may not show up in the price they offer you. It is not a credit you claim on your own return.
Florida has no state income tax to stack a second credit on. Some property-tax and sales-tax treatment of residential solar equipment has been favorable for years. Confirm the current statute with your property appraiser and a tax professional before you put it in a spreadsheet. This site will not invent a percentage for you.
What actually sets the savings
- The utility named on the bill: FPL, Duke, TECO, OUC, Lakeland Electric, KUA, SECO, UCNSB, or Winter Park
- How much of your solar you use while it is being made, versus sold back
- Shade, orientation, and roof age
- Whether a battery is solving a real evening or outage problem
The solar calculator puts those in the open. The utility guide says why a Tampa TECO bill and an Orlando OUC bill should not share a payback.
What we need from the roof
A remaining life that matches the array, a deck that can take the attachments, and a layout that does not turn the hips and drains into an afterthought. If the roof should be replaced, we say that before the panels are ordered. Start with reroof before solar.