Check the bill before you check the quote
Utility boundaries in the Spokane Valley area do not follow the lines a resident would guess, and the difference between an investor-owned utility and a small municipal one shows up directly in the rate.
Because solar savings are the price of electricity you no longer buy, the rate is the largest single input into the payback calculation. A quote built on the wrong utility is wrong in its most important term.
So look at the utility name on a recent bill before reading any further into a proposal, and check that the rate in the projection matches what you actually pay rather than a state average of about 15 cents.
It also determines which utility-level programmes are available to you, since municipal utilities set their own on top of what state law requires. Ask your own utility directly what it offers.
The production advantage of being east of the Cascades
Eastern Washington receives considerably more sun than the Puget Sound region, and that is the main reason solar economics work better on this side of the state despite cheap power throughout.
A production estimate built on a statewide assumption will therefore understate a Spokane Valley roof. That is an unusual direction for an error and worth catching, because it makes a sound project look marginal.
Ask what data source the estimate used and whether it applies location-specific irradiance for your address. Ask for the annual figure in kilowatt hours rather than only in dollars.
Ask how the model treats snow. Winters here bring real snow cover, which is a temporary but genuine production loss, and a careful estimate accounts for it while a generic one does not.
Good production makes sizing discipline matter more
Under RCW 80.60 excess kilowatt hours are credited at the retail rate, and on April 30 each year any unused credit from the previous year is granted to the utility without compensation.
A stronger solar resource makes it easier to build a system that overshoots annual consumption, so the forfeit rule is a more live risk here than in the cloudier west of the state. The better the roof, the more carefully you should size.
Build from your last twelve months of bills, ask what percentage of annual usage the design covers, and require a specific reason for anything above it.
A planned heat pump is a particularly credible reason in a climate with cold winters, because it genuinely raises consumption in the months when your solar production is lowest. That is sizing ahead of a real change rather than a hoped-for one.
Rebuilding the Washington arithmetic
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 Spokane Valley receives no federal tax credit. Section 48E survives at 30 percent for third-party owners under leases and power purchase agreements.
Washington has no state income tax and therefore no state solar credit.
What exists is the sales and use tax exemption under RCW 82.08.962 on systems up to 100 kW AC through December 31, 2029, covering labour as well as equipment, retail-rate net metering with the April 30 forfeit, and any programme your own utility runs.
Then add the electricity you stop buying at the rate your actual utility charges. Confirm which utility that is before you accept any figure in the projection.