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 Rochester

Planning solar installation in Rochester, NY means looking closely at your roof’s condition and sun exposure, along with how local seasonal weather may affect system design and electricity production.

New York residential electricity rates are 24.37 cents per kilowatt-hour, a reason some homeowners compare their energy use with their home’s solar potential—without assuming savings are guaranteed. Explore our guide to home solar panels to learn what goes into that decision.

NEW YORK by the Numbers

4th Most residential solar in the United States
204 Households have installed solar panels
4.3 Avg peak sun hours per day
~$101k Rochester average savings over 25 years
02

How Much Do Solar Panels Cost in Rochester, NY?

Explore estimated solar installation costs in Rochester using Palmetto’s firsthand data from completed local installations, including projects in Brighton, Greece, Henrietta, and Pittsford. This calculator offers a useful starting point based on real area projects, not a generic national estimate.

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 New York.
Recommended
System
9.43 kW
Your Monthly Payment
Estimated monthly cost with LightReach
$102/mo
As low as
$102/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

  • Rochester solar output changes with the seasons—long summer days help balance shorter, cloudier winters, and roof condition and sun exposure also affect production.
  • Solar costs and savings depend on your home; the article’s calculator offers estimates, while energy use, system size, and utility rules shape actual results.
  • New York offers several solar incentives, but eligibility and availability vary, so check current program rules and compare lease and purchase terms.
05

Rochester Electricity Prices

Rochester homeowners can use recent electricity-price trends to put solar’s potential role—and its limits—in perspective.

U.S. Energy Information Administration (EIA) data show New York’s average residential electricity rate rose from 19.5¢/kWh in 2021 to 24.4¢/kWh in 2024, compared with U.S. rates of 13.7¢/kWh and 16.5¢/kWh. These are statewide averages, not Rochester-specific.

A properly sized rooftop system can supply some household electricity from sunlight, reducing the amount purchased from the grid. Actual output and bill effects depend on roof conditions, household usage, weather, and utility compensation rules.

Over time, solar may help limit exposure to future rate changes, but its value depends on installation cost, system performance, maintenance, and how long a home uses it. Comparing these factors with utility bills offers a clearer picture.

Price of Energy: New York vs National Average

0¢
10¢
20¢
30¢
13.7¢
19.5¢
15.0¢
22.1¢
16.0¢
22.2¢
16.5¢
24.4¢
2021
2022
2023
2024
US Average
New York

Rochester Area Utility Providers

For Rochester-area electricity, Rochester Gas & Electric (RG&E) averaged 16.1¢ per kilowatt-hour in 2023, versus 16.0¢ nationally and 22.20¢ across New York State. These are 2023 figures; 2024 utility data was not yet available.

RG&E’s rate was close to the national average and below the statewide figure. The comparisons reflect different scopes: RG&E is one local utility, while state and national averages combine broader areas. These figures alone do not explain the rate differences.

For households considering solar, electricity rates are one part of the picture: rooftop power can reduce utility purchases when a system is producing electricity. The rate alone cannot predict savings; household use and solar output also matter.

Rochester Utilities Electricity Rates

RG&E
16.10¢
+1%
NY Average
22.20¢
+39%
US Average
16.0¢
—
06

New York Solar Incentives

Rochester homeowners may find state and local support for solar installation. See the available solar incentives in New York in the table below.

Options may include NY-Sun upfront rebates for eligible households, a state income-tax credit, sales- and property-tax exemptions, battery incentives, community-solar bill credits, and utility credits through net metering or Value Stack compensation. Rules and availability vary.

The Big Beautiful Bill eliminated the 30% residential tax credit, but state and local incentives remain. LightReach leasing has Palmetto handle commercial tax credit; savings reduce monthly payments.

Incentive Type Description Source
NY-Sun Affordable Solar Residential Incentive Upfront solar rebate Eligible income-qualified homeowners and qualifying affordable housing may receive a contractor-applied NY-Sun incentive of $0.80 per watt upstate, including Rochester, and in Con Edison territory, or $0.40 per watt on Long Island, subject to program rules and available funding.
New York State Solar Energy System Equipment Credit State income tax credit Qualifying taxpayers may claim 25% of eligible residential solar expenditures, up to $5,000, for a qualifying system installed and used at their New York principal residence. Learn More
New York Residential Solar Sales-Tax Exemption Sales tax exemption Qualifying residential solar energy equipment and installation are exempt from New York State and Metropolitan Commuter Transportation District sales tax, although some local sales taxes still apply. Learn More
New York Residential Energy-Storage Sales-Tax Exemption Sales tax exemption Qualifying residential energy-storage equipment and installation are exempt from state and local sales and use taxes from June 1, 2024 through May 31, 2028. Learn More
New York Real Property Tax Law §487 Renewable-Energy-System Exemption Property tax exemption A qualifying solar energy system or approved electric energy-storage system may receive a 15-year exemption from property taxes on the increase in assessed value attributable to the system, subject to local adoption and other rules. Learn More
NYSERDA Residential Energy Storage Incentive Battery storage rebate Eligible homeowners may receive a block-funded, per-kWh incentive through an approved contractor for a new grid-connected residential battery, generally capped at 25 kWh and subject to regional rates and funding.
NYSERDA Residential Inclusive Storage Incentive Battery storage rebate Qualifying residential storage projects meeting NYSERDA’s inclusive-eligibility criteria may qualify for a higher block-based incentive; the initial incentive block was set at $450 per kWh, subject to current availability and approval.
Statewide Solar for All Household Bill Credits Community solar bill credits Income-eligible utility customers can receive bill credits from participating community-solar projects at no cost, in addition to any utility Energy Affordability Program benefit.
New York Distributed Solar Compensation: Net Energy Metering and Value Stack Net metering / net billing Eligible New York solar customers may receive bill credits through utility net energy metering or monetary Value Stack compensation, depending on the project, utility tariff, and location. Learn More

NYSERDA’s NY-Sun program provides an upfront incentive that is generally applied through a participating contractor rather than paid to the homeowner after installation. The 2026 program manual lists rates of $0.80 per watt of solar nameplate capacity upstate, including Rochester, and in Con Edison territory, and $0.40 per watt on Long Island.

Residential eligibility is limited to qualifying Affordable Solar projects. Income qualification generally uses household income below 80% of Area Median Income or State Median Income, whichever is higher, or specified categorical eligibility. Other customer and project rules apply.

Incentives depend on regional program blocks and available funds. Have a participating contractor verify eligibility, the applicable rate, and whether the block is open before signing a contract.

The New York State credit is 25% of qualified solar energy system expenditures, up to a maximum credit of $5,000. The system must use solar radiation to provide energy for residential use and be installed and used at the taxpayer’s principal residence in New York.

Depending on the arrangement, a taxpayer who purchases a system, leases it under a written agreement, or has a qualifying long-term written power-purchase agreement may be eligible. The credit is nonrefundable, and unused credit can generally be carried forward for up to five years.

This is a solar-equipment credit; state guidance does not clearly establish a separate credit for a standalone battery. Do not assume a battery-only purchase qualifies, and consult the Tax Department or a tax professional about storage installed with solar.

Qualifying residential solar energy system equipment and installation are exempt from New York’s 4% state sales tax and the 3/8% Metropolitan Commuter Transportation District tax. This reduces the upfront cost of an eligible residential solar installation.

The exemption does not eliminate every local sales tax. New York identifies jurisdictions where local tax continues to apply, so the final tax treatment depends on where the equipment is installed.

Ask the installer to itemize the equipment, installation, and applicable taxes on the contract. Separate rules can apply to electricity sold under a written solar power-purchase agreement.

New York exempts qualifying residential energy-storage equipment and its installation from state and local sales and use taxes for purchases or installations within the statutory period, June 1, 2024 through May 31, 2028. The exemption can reduce the purchase and installation cost of an eligible home battery.

This is a separate exemption from the state’s residential solar-equipment sales-tax exemption. Confirm that the equipment and installation meet the Tax Department’s requirements and that the seller applies the exemption correctly.

Under Real Property Tax Law §487, a qualifying solar energy system or approved electric energy-storage system may be exempt from property taxes on the increase in assessed value attributable to the installation for up to 15 years. The exemption is based on the system’s effect on assessed value, not the full property assessment.

This is a local-option benefit: municipalities and school districts may opt out, and a payment-in-lieu-of-taxes agreement or other local rules may affect eligibility. Local adoption and opt-out status should be checked for both the solar and storage components.

Eligible property owners generally apply through the state RP-487 process and must meet filing deadlines. Check with the local assessor before installation or promptly afterward to confirm the application requirements.

NYSERDA’s Residential Energy Storage Incentive provides an upfront, per-kWh incentive for eligible new, grid-connected home battery systems. The incentive is paid through a participating contractor, and eligible systems may generally receive support for up to 25 kWh of installed storage capacity.

Rates and remaining funding vary by region and incentive block. The program can support batteries paired with new or existing on-site generation and, where program rules allow, standalone storage.

Some utility territories and application dates have additional utility battery-program enrollment requirements. Ask an approved contractor to confirm the live rate, block status, capacity limits, utility requirements, and project eligibility before signing.

The Residential Inclusive Storage Incentive is a higher-rate NYSERDA incentive for qualifying residential battery projects. The initial block was set at $450 per kWh; at 25 kWh, that rate would calculate to $11,250 before applicable program limits. The actual award depends on current block availability and project approval.

Projects must meet the underlying residential storage requirements and at least one inclusive-eligibility criterion. Examples include location in a New York disadvantaged-community census tract, an eligible owner-occupied household below the applicable 80% AMI/SMI income threshold, or qualifying small affordable housing.

Rates, documentation, caps, and available funds are governed by the current NYSERDA manual and dashboard. Have the participating contractor verify the project’s eligibility and current incentive amount before relying on a quoted benefit.

Statewide Solar for All is a bill-credit program for eligible households, not a rooftop solar installation rebate. Participants receive credits on their utility bills associated with qualifying community solar, which can lower electricity costs without installing panels or a battery at home.

Eligibility and enrollment depend on program rules and utility territory. Customers enrolled in a utility Energy Assistance Program may be automatically enrolled where the program is operating; other customers may need to establish eligibility and provide documentation.

The bill credits are separate from rooftop-system incentives and from any utility affordability benefit. Confirm that the program is operating for your utility and review the enrollment and bill-credit terms before participating.

New York’s main solar export-compensation mechanisms include Phase One Net Energy Metering and the Value Stack, also known as Value of Distributed Energy Resources compensation. Under applicable net-metering tariffs, eligible customer-sited systems generally receive utility bill credits for exported electricity. Tariffs determine eligibility, credit treatment, and system limits.

The Value Stack credits eligible exports in monetary amounts based on components such as energy, capacity, environmental value, and location-specific grid benefits. Its value varies by utility, location, and time. It is an important compensation mechanism for community-distributed generation and may be available as an alternative for some on-site systems; export credits are not necessarily equal to the retail electricity rate.

Residential and small-commercial systems interconnected on or after January 1, 2022 may also incur a monthly Customer Benefit Contribution based on system capacity. This is a bill charge, not an incentive, and rates can change annually. Check the applicable utility tariff and current rate before estimating project savings.

Ready to start saving with solar?

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

Get a Free Quote
07

Rochester 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.

Rochester’s lake-effect clouds, snowfall, and short winter days can reduce seasonal output, but longer summer daylight helps; a well-designed solar system can perform well despite local weather.

Solar Production in Rochester 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 Rochester

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

09

How to Choose a Solar Installer in Rochester

Verify the license

New York does not require a statewide solar-installer license. Local authorities may require a home-improvement or electrical license, so ask what applies where your home is located and who will perform the work. New York’s Department of State lookup can check state-issued licenses, but it does not verify local contractor licenses. Check both the state license lookup and with your city, town, village, or county about local requirements.

Look for certified installers

Ask whether the company or the people working on your project hold NABCEP certification, and whether they have certifications from the manufacturers of the equipment they propose. These credentials can help you compare qualifications and product-specific training; ask exactly who holds each certification and what it covers. You can learn about NABCEP at NABCEP.org. Certification is one consideration, not a substitute for checking the contract, references, and project details.

Compare quotes the same way

Request written quotes with enough detail to compare the same scope of work. Check each of these items:

  • System size in kilowatts (kW) and price per watt.
  • Panel and inverter brands and models.
  • Estimated annual production in kilowatt-hours (kWh/year), and the assumptions behind each estimate.
  • Warranty terms for panel product and performance, inverter, workmanship, and roof penetrations.
  • Who handles permits and the utility interconnection application.
  • Total cost or monthly payment, plus any payment escalator and how it works.

Compare the full written terms, not just the monthly payment or a headline production figure.

Permits, interconnection and your HOA

For a typical residential rooftop system, the local authority having jurisdiction—usually a city, town, or village building department, and sometimes a county—issues required building or electrical permits. The statewide Unified Solar Permit is available only where a local government has adopted it. The New York State Public Service Commission sets the statewide interconnection process; your electric utility reviews and processes the application under state and applicable utility-specific requirements. Depending on your address, utilities include Consolidated Edison Co-NY Inc, Niagara Mohawk Power Corp., Long Island Power Authority, and New York State Elec & Gas Corp. Check your bill to identify your utility and ask the installer who will manage each step.

New York Real Property Law § 342 generally bars an HOA from effectively prohibiting or unreasonably limiting rooftop photovoltaic systems rated 25 kW or less. There is an exception for systems on HOA-owned or commonly owned property, and applicable safety rules and permitting requirements still apply.

Red flags

  • Pressure to sign the same day or before you have reviewed the full contract.
  • Unlicensed or out-of-state crews without a clear explanation of local licensing and who is responsible for the work.
  • Vague production estimates that omit the expected annual kWh figure or do not explain their assumptions.
  • A large upfront deposit without clear written payment terms.
  • Promises of federal tax credits for homeowner purchases in 2026; homeowner credits ended December 31, 2025.
10

Leasing Solar Panels

Rochester Gas & Electric (RG&E) customers may have access to a Palmetto solar lease through select partners. Availability depends on your location and project, so confirm eligibility. A PPA is not listed as an option for Rochester in the current availability information.

With a lease, you pay a set monthly amount rather than buying the system outright. By contrast, a PPA charges for each kilowatt-hour the panels produce, so payments can change with seasonal production. Learn more about buying versus leasing solar.

A lease can avoid the large upfront cash purchase, and the system provider handles maintenance under the agreement. With a cash purchase, you own the equipment but generally take responsibility for repairs and upkeep. Explore Palmetto LightReach and review contract terms to understand coverage and costs.

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. Rochester Gas & Electric (RG&E) offers 1:1 net metering for eligible solar customers. Each month, electricity sent to the grid is netted against the electricity you use from the grid.

Any excess credits carry forward month to month and year to year for up to 20 years, then expire; RG&E does not issue a check for unused credits. RG&E also applies a monthly Contribution Benefits Charge of $1.16 per kW-DC of solar capacity.

Yes—owned solar panels may increase a Rochester home’s value. A Zillow study found homes with solar panels sold for approximately 4.1% more. That figure is not a guaranteed Rochester premium; roof condition, system age, energy savings, and market conditions can affect resale value.

The potential value increase applies to panels the homeowner owns, not leased or third-party-owned (TPO) systems. A leased system may affect resale differently because the buyer may need to assume the lease agreement, subject to its transfer terms.

In Rochester, a LightReach solar lease has no upfront cost and a low fixed monthly payment. The article’s calculator estimates $76–$139 per month depending on home size, with $102 per month for a medium home.

As a cash-purchase estimate, the calculator shows $22,968 after its listed $5,000 in state incentives for a medium home. The federal 30% tax credit is no longer available for residential cash purchases after the 2025 federal law change. See the calculator above for estimates by home size.

With a solar lease, Palmetto owns the panels and you pay a set monthly amount to use the system. For a typical 9.43 kW system in Rochester, NY, the estimated payment is about $102 per month.

Palmetto’s LightReach lease has no upfront cost. One payment covers the system, installation, monitoring, maintenance, and protection program, including a 90% Production Guarantee. Payments may be less than your current electric bill, allowing savings to start when the system operates; actual bills depend on usage, production, utility charges, and contract terms.

Palmetto Solar is a solar installation option for Rochester homeowners. We pair a national service model with local project knowledge and have completed 2,278 installations across New York since 2020.

The right installer depends on your roof, energy use, and budget. When considering solar in Rochester, compare system design, installation support, financing terms, and how the proposal accounts for seasonal production and local utility rules.

NY-Sun offers $0.80/W upstate for income-qualified projects; New York provides a 25% solar tax credit up to $5,000, sales-tax exemptions, and a possible 15-year property-tax exemption on added assessed value where locally adopted.

Battery incentives and sales-tax exemptions may apply; eligible households can get Solar for All credits. RG&E customers may receive net-metering or Value Stack credits. Cash buyers cannot claim the federal 30% residential credit; Palmetto says its LightReach lease claims the commercial ITC and passes savings through in payments.

Yes. Solar panels work in Rochester, NY. The area averages about 4.3 peak sun hours per day, and panels can still generate electricity on cloudy days, though at a lower rate than in direct sun.

Production changes by season: Rochester’s longer summer days support more generation, while short winter days, lake-effect clouds, and snow can reduce it. Snow covering panels may temporarily limit output.