Avoided cost is the whole argument now
The 30 percent federal Residential Clean Energy Credit under Section 25D expired for property placed in service after December 31, 2025, and Maine has never had a state solar tax credit or rebate to fall back on.
Efficiency Maine, which many homeowners associate with energy incentives here, runs rebates for heat pumps and other efficiency measures rather than for solar panels.
So what remains is one-to-one Net Energy Billing at the retail rate, a property tax exemption you have to apply for, and the electricity you no longer buy. The last of those is the largest by a wide margin.
At around 30.4 cents per kWh it is also unusually large in absolute terms. A Maine household displaces roughly two-thirds more value per kilowatt hour than the national average household does.
Checking the rate the quote used
Ask which rate the projection applied and where the figure came from, then check it against a recent bill of your own. Central Maine Power and Versant Power charge different amounts, and a statewide average is an approximation where a real number exists.
Ask whether the figure is an all-in rate including delivery and supply, or only the supply portion. Maine bills separate the two, and a projection using only supply will badly understate savings.
Ask about fixed monthly charges. They do not fall when your consumption does, so a household that halves its energy purchase does not halve its bill, and a model assuming otherwise overstates the result.
Ask what escalation rate the projection applied over its term, and ask to see the version at zero escalation. A case that works without any assumed increase is a case you can rely on.
And the production side of the same number
Savings are production times rate, so an honest rate assumption paired with an inflated production estimate still produces a wrong answer.
Ask for the annual production estimate in kilowatt hours rather than only as a dollar saving, so the two assumptions can be checked separately.
Ask what the model assumed about snow. In Maine snow cover on panels is a genuine winter production loss, and a model built from generic irradiance without a snow allowance is describing a milder place.
Ask what shading analysis was done and what it assumed about tree growth over the system life. Maine lots are frequently wooded and canopy modelled at today height will overstate output in ten years.
Costing it out under the current tariff
Strike the federal residential credit from any quote that shows it, since Section 25D expired for property placed in service after December 31, 2025.
There is no Maine state solar tax credit or rebate to add in its place. Section 48E survives at 30 percent but is claimed by a third-party owner under a lease or power purchase agreement.
Rebuild from one-to-one Net Energy Billing at your actual retail rate, subject to the rolling 12-month credit elimination, plus the property tax exemption under 36 M.R.S. Section 655 with its April 1 application deadline.
Then add the electricity you stop buying, from a production estimate that accounts for snow and shading. Those two numbers are the quote.