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| System size | Typical home | Estimated cost |
|---|---|---|
| 6 kW | Smaller / efficient home | ~$20,000 |
| 8 kW | Average Massachusetts home | ~$26,500 |
| 10 kW | Larger / high-usage home | ~$33,000 |
Massachusetts has some of the highest electricity rates in the country (~30¢/kWh) and about 4.2 peak sun hours/day. Those high rates are the single biggest reason solar still pays off well here without the federal credit — every kWh you self-generate is an expensive one avoided.
(Programs and rates change — confirm with the MassCEC/DOER, your utility, and a tax professional.)
With very high electricity rates, SMART payments, the state credit, and full net metering — even without the federal credit — many Massachusetts homeowners still see payback in about 7–10 years, then largely free power for the rest of the system's 25+ year life.
Yes — a 15% state income-tax credit up to $1,000, separate from the (now-ended) federal credit. It stacks with SMART payments and net metering.
SMART pays you a fixed amount per kWh your system produces for 10 years (about $0.03/kWh, more with a battery), on top of your net-metering savings.
The 30% federal residential credit ended nationwide on Dec. 31, 2025 for purchased systems. Massachusetts' state credit, SMART, net metering, and exemptions still apply.
Solar Cost Advisor is a free, neutral tool — we don't sell panels. We help Massachusetts homeowners understand real solar costs and, if they choose, connect with vetted local installers. Get your free estimate →