A municipal utility sets its own terms
North Little Rock runs a municipal electric utility. Municipal utilities are governed by their own local authority rather than operating under the arrangements that apply to investor-owned utilities.
So the non-legacy net metering schedule, the September 30, 2024 grandfathering date and the avoided cost export compensation that dominate Arkansas solar coverage may not describe your account.
A municipal utility may compensate exports more generously than the investor-owned arrangement or less, may net across a billing period or measure instantaneously, and may set its own size limits and fees.
That is not a disadvantage in itself. It simply means the terms have to come from your utility rather than from a statewide guide, which is a phone call rather than a research project.
The questions that settle it
Ask how exported electricity is compensated and at what rate, and whether that rate is fixed or reset periodically.
Ask whether generation is netted across a billing period or measured instantaneously. That single answer changes how a system should be sized more than most equipment choices do.
Ask whether excess credits carry forward, whether there is an annual true-up, when it falls and what happens to remaining credits.
Ask what system size limits apply, what interconnection involves and costs, how long approval takes, and whether any solar-specific charge or minimum bill applies to customer generators.
Reconciling the quote with the answers
With those answers, ask which export arrangement the projection assumed and which retail rate it applied, then check both against what the utility told you and against a recent bill.
Ask what self-consumption share the model assumed. If your utility measures instantaneously rather than netting across a period, that assumption drives the savings figure far more.
Ask whether the installer has completed projects on your specific utility recently. Interconnection practice varies and recent local experience is what actually moves a project along.
And check the proposal against the Act 278 required contents, which apply to the seller regardless of which utility serves you.
What the number should be built from
The 30 percent federal Residential Clean Energy Credit under Section 25D expired for property placed in service after December 31, 2025, so a cash or loan purchase receives no federal tax credit, and Arkansas has no state solar tax credit.
Section 48E survives at 30 percent for third-party owners under leases and power purchase agreements, so ask what a provider claims and what reaches you in the rate.
Everything else comes from your own utility: the retail rate, export compensation, netting method, any true-up, size limits and interconnection.
Ask for the projection rebuilt from those answers, with your rate taken from a recent bill and any solar-specific charges included.