Nathan Healy
Certified by Nathan Healy
Updated: October 2026
Quality Solar Panels Since 2011
Palmetto has served 20,000+ customers across 31 states with an approval rating over 85%.
About Nathan Healy

Nathan Healy is a Vice President at Palmetto, where he helps homeowners cut through the confusion around solar and figure out whether it actually pencils out for their home, roof, and budget. With energy prices climbing and the federal incentive landscape shifting, his focus is simple: give people a straight, honest answer instead of a sales pitch.

He reviews Palmetto’s local solar guides so the costs, incentives, and utility details on this page reflect what’s really happening in your area.
He believes in solar so much, that he had Palmetto install solar on his own parents’ house, the home he grew up in.

01

Solar Power in Naples

Considering solar panel installation in Naples, FL? The area’s abundant sunshine is a starting point, but a well-planned system also depends on roof condition, shade, household electricity use, and local permitting.

Florida ranks second in the nation for residential solar installations. Naples homeowners can learn about equipment and the installation process in our guide to home solar panels.

FLORIDA by the Numbers

2nd Most residential solar in the United States
251 Households have installed solar panels
5.8 Avg peak sun hours per day
~$87k Naples average savings over 25 years
02

How Much Do Solar Panels Cost in Naples, FL?

Explore solar installation costs in Naples using Palmetto’s firsthand data from real installations in the area. The calculator draws on local experience from communities such as North Naples, Golden Gate, and Marco Island to help you understand what homeowners may pay.

Small Home Up to 2,000 sq ft
Medium Home 2,000-3,000 sq ft
Large Home Over 3,000 sq ft
System Size
This system size is designed to offset approximately 100% of the average electricity usage for a home of this size in Florida.
Recommended
System
10.53 kW
Your Monthly Payment
Estimated monthly cost with LightReach
$135/mo
As low as
$135/mo
Why Lease Solar?
Following the 2025 Big Beautiful Bill, the federal 30% solar tax credit is no longer available for cash purchases. With a LightReach lease, Palmetto owns the system and still qualifies for the commercial ITC — passing those savings through to you via lower monthly payments.
  • No upfront investment
  • Palmetto handles all maintenance
  • 90% Production Guarantee
  • Comprehensive protection program included
03

Palmetto Reviews

04

Key Takeaways

  • Naples sunshine is a strong starting point, but roof condition, shade, electricity use, and permitting shape a solar system’s fit and output.
  • Local estimates help compare costs: a typical 10.53 kW system is estimated at $28,316 to buy or $135 monthly to lease; actual results vary.
  • Florida offers tax benefits for qualifying solar equipment, while leases and cash purchases differ in upfront cost, ownership, and maintenance.
05

Naples Electricity Prices

Electricity prices affect household budgets in Naples, but Florida’s statewide averages offer useful context for the chart beside this section.

Florida’s average electricity price rose from 11.9¢ per kWh in 2021 to 15.2¢ in 2023, then eased to 14.1¢ in 2024. These are statewide averages, not Naples-specific rates.

The adjacent chart compares Florida with the national average, which increased from 13.7¢ per kWh in 2021 to 16.5¢ in 2024. A solar system may reduce how much electricity a home draws from the grid.

Over time, generating some electricity at home may help Naples households manage exposure to future rate changes. Actual bill impacts depend on system size, energy use, sunlight, and utility policies.

Price of Energy: Florida vs National Average

0¢
10¢
20¢
30¢
13.7¢
11.9¢
15.0¢
13.9¢
16.0¢
15.2¢
16.5¢
14.1¢
2021
2022
2023
2024
US Average
Florida

Naples Area Utility Providers

In Naples, electricity is supplied by Florida Power & Light (FPL) and Lee County Electric Cooperative (LCEC). The latest figures provided are for 2023: FPL averaged 15.0¢ per kWh and LCEC 14.5¢.

Both rates were below Florida’s 2023 average of 15.20¢ per kWh and the national average of 16.0¢. These figures show the difference, but do not establish why either utility’s rate was higher or lower.

Electricity rates help shape the potential value of solar: panels may offset some electricity bought from a utility. The effect depends on a home’s energy use and applicable utility rates, so these averages alone cannot predict savings.

Naples Utilities Electricity Rates

FPL
15.00¢
-6%
LCEC
14.50¢
-9%
FL Average
15.20¢
-5%
US Average
16.0¢
—
06

Florida Solar Incentives

Naples homeowners may find state and local options to help offset solar costs. Review the solar incentives in Florida below.

Florida offers several tax provisions: qualifying solar and storage equipment is exempt from sales tax; qualifying renewable-energy devices are excluded from residential property assessments; and qualifying devices treated as tangible personal property receive an 80% assessed-value exemption from ad valorem taxes.

Area-specific financing: eligible Lakeland Electric customers may apply for $500–$5,000 zero-interest loans for solar PV if homes meet HERS requirements; Florida Keys Electric Cooperative members may seek up to $35,000 for solar or batteries from qualified installers. The Big Beautiful Bill ended the federal 30% residential tax credit; state and local incentives remain. With LightReach leasing, Palmetto handles the commercial ITC, passing savings through as lower payments.

Incentive Type Description Source
Florida Solar and Energy-Storage Equipment Sales Tax Exemption Sales Tax Exemption Florida exempts qualifying solar-energy system components, including eligible photovoltaic and energy-storage equipment, from state sales and use tax. Learn More
Florida Residential Renewable-Energy Property Assessment Exclusion Property Tax Assessment Exclusion For qualifying residential property, Florida excludes the just value attributable to qualifying renewable-energy devices, including eligible solar and storage equipment, from the property assessment. Learn More
Florida Renewable-Energy Device Tangible Personal Property Tax Exemption Property Tax Exemption Florida exempts 80% of the assessed value of qualifying renewable-energy devices that are treated as tangible personal property from ad valorem taxation. Learn More

Florida exempts qualifying solar-energy system equipment from sales and use tax, reducing the upfront purchase cost by the tax that otherwise would apply. Eligible components identified by the Florida Department of Revenue include photovoltaic and power-conditioning equipment, solar collectors, and qualifying energy-storage units and integral accessories.

The exemption is for qualifying equipment, not automatically for every product or charge included in an installation. The purchaser certifies eligibility to the seller, and equipment must meet the state’s applicable requirements. Ask the installer to identify eligible items separately and confirm how the exemption is applied to your purchase. Florida Statute §212.08 and Florida Department of Revenue guidance.

Florida excludes the portion of a residence’s just value attributable to a qualifying renewable-energy device from the property-tax assessment. This can reduce the assessed value used to calculate property taxes after installing eligible solar equipment or qualifying energy-storage equipment; it is not a rebate or a dollar-for-dollar tax credit.

The residential provision covers qualifying devices installed on or after January 1, 2013, and the current statute provides for the exclusion through December 31, 2037. The amount of any tax savings depends on the value attributed to the equipment and local tax rates. Contact your county property appraiser about documentation and how the provision applies to your system. See Florida Statute §193.624.

Florida exempts 80% of the assessed value of a qualifying renewable-energy device from ad valorem taxation when the device is tangible personal property. For an eligible solar installation, this may reduce the taxable value attributable to qualifying equipment; the actual savings depend on the assessment and local tax rates.

The provision generally applies to qualifying devices installed on real property on or after January 1, 2018, and is distinct from the real-property assessment treatment under §193.624. It is not a cash payment, and it applies only where the equipment qualifies as tangible personal property. Ask your county property appraiser whether your system qualifies and what filing or records are required. See Florida Statute §196.182.

Ready to start saving with solar?

Speak with a Palmetto solar expert to find out exactly how much you can save with Florida incentives.

Get a Free Quote
07

Naples Solar Irradiance

Solar panel production varies throughout the year based on daylight hours, weather patterns, and sun intensity. Understanding how seasons affect your solar system helps set realistic expectations for your investment.

Naples’ abundant sunshine and high sun angle support strong solar production, while summer storms and heat can affect monthly output. With a well-designed system, weather patterns needn’t rule out solar.

Solar Production in Naples by Month

Daylight Hours
Energy Production (kWh/day)

What Can Your Solar System Power?

Summer Production (July)

[SummerProduction] kWh/day

In July, your 10 kW system could power:

  • 3.6 average homes (15 kWh/day per home)
  • or Run central AC for 18 hours AND power all other appliances
  • or Fully charge 5.4 Tesla Model 3 electric vehicles

Winter Production (December)

[WinterProduction] kWh/day

In December, your 10 kW system could power:

  • 2 average homes (15 kWh/day per home)
  • or Keep your home heating system running for 15 hours
  • or Fully charge 3 Tesla Model 3 electric vehicles

Annual Production

[AnnualProduction] kWh/year

Over a year, your 10 kW system could:

  • Offset 10 tons of carbon dioxide emissions
  • or Equal the environmental benefit of planting 175 trees
  • or Save approximately $4,234 in electricity costs

Want to know exactly how much solar can power your home?

Get a personalized solar analysis based on your actual home, energy usage, and roof characteristics.

Get My Custom Estimate
08

Solar Panel Systems in Naples

We’ve organized address-level solar installation data from across the country and are excited to share this map of Naples. Explore the hexagons to see how many homes in each area have gone solar, and discover the neighbors and communities across Naples making the switch.

09

How to Choose a Solar Installer in Naples

Verify the license

For paid rooftop solar installation in Florida, the contractor generally needs an appropriate state contractor credential. The Florida Department of Business and Professional Regulation (DBPR), through the Construction Industry Licensing Board (CILB), lists Certified Solar Contractor (CV) and Registered Solar Contractor (RV) classifications. A certified credential allows contracting statewide; a registered credential is limited to its authorized jurisdiction. A separate solar classification is not always required: another Chapter 489 certified or registered contractor may perform solar work within the scope of that credential. Ask for the responsible contractor’s name, credential classification and number, then confirm the credential and its scope with the state and, where relevant, your city or county. Florida contractor licensing statutes explain the applicable requirements.

Look for certified installers

Ask whether the people designing or installing your system hold a NABCEP certification, and what the certification covers. Also ask about manufacturer certifications for the specific panels or inverters in your quote. These are additional qualifications to compare; check who holds each certification and whether it applies to the equipment and work proposed. They do not replace verifying the contractor’s Florida credential.

Compare quotes the same way

Request written quotes with the same information so you can compare the proposed systems and costs, rather than just the headline payment.

  • System size: Compare kilowatts (kW) and calculate price per watt using the quoted system price and size.
  • Equipment: Record panel and inverter brands and models.
  • Production: Compare the estimated kilowatt-hours (kWh) per year and ask what assumptions the estimate uses.
  • Warranties: Separate panel product and performance coverage, inverter coverage, workmanship, and roof-penetration coverage; ask who handles a claim.
  • Project responsibilities: Confirm who handles permits and utility interconnection.
  • Payment: Compare total cost or monthly payment, financing or lease terms, and any payment escalator. Ask how the amount changes over time.

Permits, interconnection and your HOA

Building and electrical permits go through the local enforcement agency, typically the city or county building department for the property. Confirm whether you or the installer will handle the applications. You apply to the electric utility serving your home for interconnection approval and any required agreement or metering; ask the utility about its program. Local utilities include Florida Power & Light Co, Duke Energy Florida, LLC, Tampa Electric Co, and JEA. Florida Statute § 163.04 generally bars binding restrictions that prohibit or effectively prohibit solar collectors and other renewable-energy devices. An association may set a roof location within the statute’s specified south-facing orientation if that does not impair effective operation. Read the statute and raise HOA questions before signing.

Red flags

  • Pressure to sign the same day instead of time to review the quote and contract.
  • A contractor who cannot show an appropriate Florida credential, or out-of-state crews whose responsible contractor and Florida credentials you cannot verify.
  • Vague production estimates or reluctance to explain the assumptions behind them.
  • A large upfront deposit without clear written payment terms and project milestones.
  • Promises of federal homeowner tax credits for purchases in 2026. Homeowner credits ended December 31, 2025; treat a contrary promise as a warning sign.
10

Leasing Solar Panels

In Naples, Palmetto offers a solar lease through LightReach for eligible homes served by Florida Power & Light (FPL) or Lee County Electric Cooperative (LCEC). A Power Purchase Agreement (PPA) is not listed as available for these utilities. Availability can depend on your address and utility, so confirm local eligibility.

With a lease, you pay an agreed monthly amount rather than buying the system upfront. Unlike a cash purchase, this can avoid a large initial expense; Palmetto retains system ownership and handles maintenance under the lease terms.

Cash buyers own their equipment and are responsible for arranging service and repairs, while lease customers get ongoing system support as outlined in their agreement. Learn more about buying or leasing solar and the LightReach program.

Go solar without the investment

With LightReach, there are no investment costs to recoup, loan payments to manage, or maintenance needs to take on. As soon as your panels are active, your solar savings are too!

Explore LightReach Leasing
11

Frequently Asked Questions

Yes. Naples residents generally have net metering through Florida Power & Light (FPL) or Lee County Electric Cooperative (LCEC), depending on their address. Both utilities credit solar exports on a 1:1 kilowatt-hour basis and let unused credits roll over from month to month.

Annual credits are settled differently: FPL pays about 1.5¢/kWh in December, while LCEC settles in January at its calculated avoided-power cost. LCEC’s net-metering rate also has a $2.22 higher monthly customer charge. Check your bill to confirm your utility and current terms.

Yes, an owned solar panel system may increase a home’s resale value in Naples. Zillow’s study found homes with solar panels sold for about 4.1% more on average, though that is not a Naples-specific estimate or a guaranteed premium.

This finding applies to purchased systems, not leased or other third-party-owned (TPO) systems. A lease may affect resale differently because the buyer may need to assume the agreement, so review its transfer terms.

In Naples, homeowners can use the LightReach lease to go solar with no upfront cost and a low fixed monthly payment. The calculator above estimates $102–$174 per month depending on home size ($135 per month for a typical 2,000–3,000-square-foot home).

A cash purchase is another option: estimates range from $22,093 to $35,967, with $28,316 for a typical home. The federal 30% residential solar tax credit is no longer available for cash purchases following the 2025 federal law change. See the calculator above for pricing details; actual costs vary by home and system.

In Naples, a typical 10.53 kW solar lease is estimated at about $135 per month, based on Florida’s production ratio of 1,462 kWh per kW annually and a rate of $0.105/kWh. With LightReach, there is no upfront cost, and one monthly payment covers the system, installation, monitoring, maintenance, and protection program, including a 90% production guarantee.

Palmetto owns the leased system and claims the commercial 30% Investment Tax Credit, passing those savings through as lower monthly payments. The lease payment is typically less than a homeowner’s current electric bill, so savings may begin when the system is operating; utility charges may still apply.

Palmetto Solar is a solar installation option for Naples homeowners, with a local focus backed by 22,293 installations across Florida since 2020 and an installation network. We offer financing options, including solar leases for eligible homes.

The best fit depends on your roof’s condition and shade, electricity use, installation plan, total cost, and service terms. Compare a proposal with your home’s needs and confirm utility and permitting requirements in Naples.

Yes. Solar panels work in Naples, where the article estimates about 5.8 peak sun hours per day on average. They can still generate electricity on cloudy days, though reduced sunlight means lower output.

Production changes with the seasons: the article’s estimates show stronger daily production in spring, while shorter winter days and summer storms and heat can affect monthly totals. Shade and roof conditions also influence a home system’s output.

A 10-kW solar system in Naples is estimated to produce about 16,100 kWh per year. A typical 10.53-kW home system would generate roughly 17,000 kWh annually, based on the article’s NREL PVWatts estimates.

Actual output varies with roof direction and angle, shade, weather, and season. Naples systems generally produce less on some cloudy or stormy days and more during sunnier periods.