What is gone at tax level
The 30 percent federal Residential Clean Energy Credit under Section 25D expired for property placed in service after December 31, 2025. A cash or loan purchase now receives no federal tax credit.
Montana previously offered an alternative energy systems credit for residential installations. It is no longer available for recent tax years, so confirm the current position with the Montana Department of Revenue before letting a quote include one.
Section 48E, the commercial credit, survives at 30 percent for third-party owners under leases and power purchase agreements. The provider claims it, and whether any value reaches you depends on the rate offered.
So for a cash purchase the tax column is effectively empty, which is the same position as in most of the states covered on this site.
What Montana has that many states no longer do
Intact net metering. NorthWestern Energy proposed ending it and adding a demand charge, and the Public Service Commission unanimously rejected that proposal.
No solar-specific monthly charge. Alabama customers pay $5.41 per kW of installed capacity per month, close to $470 a year on a typical system, upheld in federal court in March 2026. Montana customers pay nothing equivalent.
A generous eligibility ceiling at under 50 kW, far above household need, so the programme does not constrain a residential design.
Those three things are worth real money and none of them appears as a line item, which is exactly why they get overlooked when people compare states.
Where the diligence belongs now
On the production estimate, since with an empty tax column the return is production multiplied by value and nothing else absorbs an overstatement.
Ask for the annual figure in kilowatt hours per year with the data source named, location-specific irradiance for your address, a stated snow allowance, terrain-aware shading and annual degradation.
On the value side, ask which retail rate the projection used, check it against a recent bill, and confirm fixed monthly charges were included.
And on the sizing, since credit remaining at the annual settle-up is granted to the utility without compensation. Ask for the credit balance tracked to the settle-up month.
What survives, and what to ask for
Strike the federal residential credit from any quote showing it, and confirm the state position with the Montana Department of Revenue rather than accepting a state credit line.
Rebuild from net metering under the NorthWestern arrangement, with credits accumulating across the year and unused credit forfeited at the annual settle-up.
Add the electricity you stop buying at your actual rate, with fixed charges included.
Ask for that version in writing with each line named, and with no solar-specific charge appearing in it, because none applies.