Why long grandfathering is worth so much
In Utah the export credit is recalculated every March and the new rate applies to existing customers, so nobody locks in a rate at all. In Louisiana the avoided cost rate is republished annually by utility. In Iowa a value of solar review is written into statute.
Mississippi grandfathers its adders for 25 years. That removes a category of risk that homeowners in several other states carry for the entire life of their system.
It does not fix the underlying avoided cost component, which is a separate matter, but the adders sitting on top of it are locked.
For a twenty-five year purchase, certainty about the compensation terms is worth real money even when the terms themselves are modest.
What to confirm about your own grandfathering
Ask which adders apply to your project and confirm in writing that the 25-year grandfathering attaches from the date your net metering service begins.
Ask what happens to the grandfathered terms if you sell the house, and what the new owner has to do to preserve them. An arrangement that does not survive a transaction is worth less than it appears.
Ask whether the grandfathering covers only the adders or the whole export credit including the avoided cost base. Those are different, and a projection assuming the whole figure is fixed may be overstating certainty.
Ask what the projection assumed about the avoided cost component over the term, since that is the part that can still move.
Certainty does not change the design brief
Even with adders locked, an exported kilowatt hour at 5.5 or 7.5 cents is worth well under half of one consumed at the roughly 16 cent retail rate.
So the design should still be built around what your household consumes during daylight rather than around your annual total.
Ask what percentage of your annual usage the system covers and what share of generation the model expects you to consume directly, and ask for a smaller system modelled alongside.
Heavy summer air conditioning helps considerably here, because it absorbs generation at the full retail rate exactly when the array produces most. Pre-cooling on hot afternoons extends that at no cost.
What the arithmetic actually rests on
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 in Hattiesburg receives no federal tax credit, and Mississippi 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.
What exists is retail value for self-consumed generation, an export credit built from avoided cost plus adders grandfathered for 25 years, and the electricity you stop buying at around 16 cents per kWh.
Ask for the grandfathering confirmed in writing, the avoided cost assumption stated separately, and the self-consumption share shown on the page.