Nathan Healy
Certified by Nathan Healy
Updated: October 2026
Quality Solar Solutions 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 in Florida

Florida ranks second in the nation for residential solar installations, but sunshine alone doesn’t determine whether solar is right for your home. Roof condition, shade, energy use, and local permitting rules all affect solar panel installation in Florida.

Learn what to expect, from system design and permits to installation and upkeep. For a helpful starting point, read our guide to home solar panels.

FLORIDA by the Numbers

2nd Most residential solar in the United States
251k Households have installed solar panels
5.6 Average daily peak sun hours
~$84k Florida average savings over 25 years
02

Florida Solar Panel Cost

Explore estimated solar costs using data from Palmetto installations across Florida, including communities like Tampa, Orlando, Miami, and Jacksonville. The calculator defaults to a monthly LightReach lease payment with no upfront investment and also shows a cash purchase estimate, so you can compare both options.

System Size
This system size is designed to offset approximately 100% of the average electricity usage for a home in Florida.
Recommended
System
10.53 kW
Typical for your home size in FL
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

  • Florida sunshine supports solar, but your home matters—roof condition, shade, energy use, and local rules shape system design and results.
  • Solar credits and utility rules vary across Florida—check local incentives and how your utility values extra electricity before choosing a system.
  • A LightReach lease has no upfront cost; Palmetto owns and maintains the system, with a 90% Production Guarantee and comprehensive protection.
05

Florida Electricity Prices

Florida electricity rates have shifted in recent years. Understanding the trend can help homeowners weigh how solar may fit their energy needs.

Florida’s average electricity rate rose from 11.9¢ per kWh in 2021 to 15.2¢ in 2023, then fell to 14.1¢ in 2024. The 2024 national average was 16.5¢ per kWh.

A rooftop solar system can generate some of a Florida home’s electricity, reducing how much it draws from the utility. The potential bill impact depends on system size, household use, and utility rate rules.

With a LightReach lease, homeowners can get solar with no upfront investment and a low fixed monthly payment, helping manage exposure to rising utility rates. Palmetto owns and maintains the system, with a 90% Production Guarantee and comprehensive protection program.

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

Florida Area Utility Providers

Florida electricity customers are served by utilities including FPL, Duke Energy Florida, TECO, OUC, and local cooperatives. The figures shown are 2023 rates: Florida averaged 15.20¢ per kWh, versus 16.0¢ nationally; 2024 utility data was unavailable.

Rates ranged from 12.3¢ per kWh at Lakeland Electric and WREC to 18.1¢ at Duke Energy Florida. Duke and TECO (16.6¢) exceeded both averages; the supplied figures show differences, not what caused them.

For Florida households, these comparisons can help frame the potential value of generating some electricity at home: solar may reduce grid purchases, while its value depends on household use and system details. Compare your utility’s rate with a tailored estimate.

Florida Utilities Electricity Rates

Lakeland Electric
12.30¢
-23%
Orlando Utilities Commission (OUC)
12.60¢
-21%
Duke Energy Florida
18.10¢
+13%
Florida Power & Light (FPL)
15.00¢
-6%
Lee County Electric Cooperative (LCEC)
14.50¢
-9%
JEA
13.20¢
-17%
Clay Electric Cooperative
12.50¢
-22%
SECO Energy
13.00¢
-19%
Withlacoochee River Electric Cooperative (WREC)
12.30¢
-23%
Tallahassee Utilities
13.00¢
-19%
Tampa Electric (TECO)
16.60¢
+4%
FL Average
15.20¢
-5%
US Average
16.0¢
—
06

Florida Solar Incentives

Florida homeowners may find state, utility, and local programs that help offset solar costs. Explore the solar incentives in Florida below.

Options include sales- and property-tax exemptions, utility bill credits for exported solar power, a local solar rebate, and financing programs. Eligibility, credit rates, and funding depend on the utility, location, equipment, and program rules.

The Big Beautiful Bill ended the 30% residential credit, but state and local incentives remain. With LightReach, Palmetto handles the commercial ITC, passing savings through as lower monthly lease 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 Utility Net Metering and Net Billing Net Metering / Net Billing Florida utility interconnection and export-credit programs can provide bill credits for customer-generated solar electricity, but compensation and battery-export rules vary by utility. Learn More
Boynton Beach Energy Edge Solar PV Rebate Local Solar Rebate Boynton Beach residents and businesses may receive a $1,500 rebate for an eligible solar PV installation, subject to program requirements and available funding. Learn More
Lakeland Electric REEnergize Lakeland Solar Financing 0% Interest Loan Eligible Lakeland Electric customers may apply for a $500–$5,000 zero-interest loan for qualifying home upgrades, with solar PV eligible for homes meeting the program’s HERS requirement. Learn More
Florida Keys Electric Cooperative Solar Loan Program Solar and Battery Financing Eligible Florida Keys Electric Cooperative members may apply for competitively priced financing of up to $35,000 for grid-tied solar PV and/or battery storage from a qualified installer. 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.

For customers of Florida investor-owned utilities, the state’s net-metering rule provides a framework for interconnecting qualifying customer-owned renewable-energy systems and crediting excess generation. Under the rule, eligible excess-energy credits generally carry forward to later billing periods, with remaining credits settled at the annual true-up using the utility’s avoided-cost rate rather than the retail rate. Customers remain responsible for applicable fixed charges, and the value depends on the serving utility’s tariff.

Municipal utilities and electric cooperatives set their own interconnection and export-credit terms, so there is no single statewide credit value for every Florida customer. Battery export is not automatically eligible: for example, FPL says a standalone battery is not net-metered renewable generation and that battery power paired with solar may not be exported under its current guidance. Confirm your utility’s tariff and battery rules before sizing a system. See Florida Rule 25-6.065 and FPL’s interconnection guidelines.

The City of Boynton Beach lists a $1,500 rebate for qualifying solar photovoltaic installations. It is a direct local incentive that can reduce the net cost of a system, but funding is first-come, first-served and the city caps the rebate at $1,500 per property in a 10-year period.

Applicants must meet the city’s eligibility requirements, which include residence or business eligibility, a certified solar contractor, and the listed minimum system criterion of 17.5% panel efficiency or a 5 kW system size. The application must be submitted within 90 days after the final permit inspection. Confirm current funding, documentation, and the exact system requirements with the city before signing a contract. See the official Energy Edge program page.

REEnergize Lakeland offers eligible Lakeland Electric customers a zero-interest loan of $500 to $5,000 for listed home upgrades, including solar PV when the home has a RESNET HERS rating of 80 or below. This is financing rather than a rebate: it spreads eligible costs over time but must be repaid.

Solar applicants must meet the program’s customer and property requirements, including at least one year as a Lakeland Electric customer, owning and living in the home, acceptable utility credit standing, and granting a property lien. The utility describes applications as subject to available funding and first-come, first-served. Confirm current loan terms and solar eligibility with Lakeland Electric.

The Florida Keys Electric Cooperative (FKEC) offers eligible members a solar loan of up to $35,000 for grid-tied solar photovoltaic systems and/or battery storage installed by a qualified installer. This is financing, not a rebate; it can help spread project costs, but the amount borrowed must be repaid at the program’s applicable simple-interest rate.

Residential and commercial members may apply. The program describes repayment terms of 10 years or less, with payments made on the electric bill; residential applicants need 12 months of clean billing history, and commercial applicants need 24 months. Check current rates, approval requirements, installer qualifications, and available loan capacity with FKEC.

Ready to go solar with no money down?

Speak with a Palmetto solar expert about LightReach leasing and Florida incentives.

Get a Free Quote
07

Florida Solar Irradiance

Solar panel production varies throughout the year based on daylight hours, weather patterns, and sun intensity. Florida’s strong sunshine supports solar, while summer storms, cloud cover, and changing day length shape monthly output. Even weather-wary cities like Seattle and Boston can produce plenty with well-designed systems.

What Can the Average Florida Solar System Power?

Summer Production (July)

42.7 kWh/day

In July, your 10 kW system could power:

  • 3.6 average Florida 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)

34.3 kWh/day

In December, your 10 kW system could power:

  • 2 average Florida 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

15485 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

See how affordable solar leasing can be for your home

Get a personalized LightReach quote based on your home, energy usage, and roof — no upfront cost required.

Get My Custom Estimate
08

Solar Installations in Florida

We’ve organized solar installation data from across the country to create this interactive map of Florida. Explore the hexagons to see how many systems are installed in each area, and discover neighborhoods and communities across the state where your neighbors have made the switch to solar.

09

How to Choose a Solar Installer in Florida

Verify the license

Paid rooftop solar installation generally requires an appropriate Florida contractor credential. The Florida Department of Business and Professional Regulation’s Construction Industry Licensing Board (CILB) lists Certified Solar Contractor (CV) and Registered Solar Contractor (RV) classifications. Certified credentials allow statewide contracting; registered credentials are limited to the authorized jurisdiction. A separate solar credential is not always required: another Chapter 489 contractor may perform solar work within that contractor’s authorized scope. Ask for the contractor’s credential and confirm it with DBPR/CILB and the city or county building department for your property. Review Florida’s contractor licensing law.

Look for certified installers

NABCEP offers solar-industry certifications. Ask which specific credential the person overseeing your project holds, what it covers, and check the details through NABCEP. Manufacturer certifications may indicate product-specific training or familiarity, so ask which proposed equipment and work they apply to. Treat these as useful qualifications to compare—not substitutes for the required Florida contractor credential or guarantees of a particular system’s results.

Compare quotes the same way

Request written quotes with the same assumptions and compare the details side by side. A lower total price may reflect a smaller system, different equipment, or different services. Check:

  • System size and price: size in kilowatts (kW), total price, and price per watt.
  • Equipment: panel and inverter brands and models.
  • Expected production: estimated kilowatt-hours (kWh) per year, and the assumptions behind the estimate.
  • Warranties: panel product and performance, inverter, workmanship, and roof penetrations; ask who handles a warranty claim.
  • Project responsibilities: who handles permits and utility interconnection.
  • Payment terms: total cost or monthly payment, plus any escalator and how it changes the payment.

Permits, interconnection and your HOA

Building and electrical permits go through the local enforcement agency—usually the city or county building department for the property. The homeowner or contractor deals with that office, so ask who will manage the applications. For interconnection approval and any required agreement or metering, apply through the electric utility serving the property. Florida utilities include Florida Power & Light Co, Duke Energy Florida, LLC, Tampa Electric Co, and JEA; confirm your provider and its program. Municipal utilities and rural electric cooperatives have their own standardized programs. Florida Statute § 163.04 bars binding agreements from prohibiting or effectively prohibiting solar 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 solar-access statute.

Red flags

  • Pressure to sign the same day instead of giving you time to compare written quotes.
  • Unlicensed or out-of-state crews, or reluctance to identify the credential and responsible contractor.
  • Vague production estimates without a clear annual kWh figure.
  • A large upfront deposit without clear written terms for what it covers.
  • Promises of federal homeowner tax credits for 2026 purchases; homeowner credits ended December 31, 2025.
10

Go Solar with LightReach — No Upfront Cost

Florida LightReach leases are available with OUC, FPL (including North/former Gulf Power), TECO, Duke Energy Florida, KUA, SECO, LCEC, PRECO, Winter Park, Tallahassee Utilities, Lakeland Electric, GRU, JEA, and WREC. Clay Electric is not open; New Smyrna Beach has no LightReach. Availability varies by address.

A lease uses a fixed monthly payment; a PPA charges per kWh generated. Florida availability listed here is for leases, with no upfront system purchase. Palmetto Finance owns, installs, maintains, and services the system at no extra cost. The plan includes a 90% Production Guarantee and comprehensive protection—unlike a cash purchase, where you pay upfront and arrange maintenance.

LightReach includes design, permits, installation, and project management. Compare buying or leasing solar, or explore the LightReach plan.

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. Florida has net metering for qualifying customer-owned renewable-energy systems served by investor-owned utilities. Eligible excess solar electricity generally earns bill credits that carry forward to later months. Any remaining credits are settled at the annual true-up at the utility’s avoided-cost rate, not the retail rate; fixed charges still apply.

Municipal utilities and electric cooperatives set their own credit and interconnection rules, so terms vary by address. Check your utility’s tariff and battery-export rules; see Florida Rule 25-6.065.

Yes, owned solar panels may increase a Florida home’s resale value. Zillow’s study found homes with solar panels sold for about 4.1% more on average; this is not a guaranteed increase for every Florida home.

That finding applies to purchased systems, not leased or other third-party-owned (TPO) systems. A leased system may affect resale differently because the buyer may need to assume the lease agreement. Roof condition, system performance, and buyer preferences also matter.

In Florida, a LightReach lease offers solar with no upfront cost and a low fixed monthly payment. The calculator above estimates $135 per month for a typical 10.53-kW system. Palmetto owns and maintains the system, with a 90% Production Guarantee and comprehensive protection program.

Cash purchase is another option; the calculator estimates $28,316 for that system size. Actual solar installation costs vary by home, roof, and energy use. The federal 30% tax credit is no longer available for residential cash purchases following the 2025 federal law change.

A lease lets you use solar panels for a fixed payment while Palmetto owns and maintains the system. LightReach has no upfront cost and covers installation, monitoring, maintenance, comprehensive protection, and a 90% Production Guarantee. A typical 10.53 kW Florida system is estimated at $135/month.

The estimate uses 1,462 kWh/kW/year and $0.105/kWh. Palmetto claims the commercial 30% ITC and passes savings into lease payments; cash purchases lost the residential credit in 2025. Lease payments are typically below current electric bills, so savings may begin when the system is active.

Palmetto Solar is a strong choice for solar panel installation in Florida, with a local installation network and 22,293 Florida installations since 2020. The best fit depends on your roof, energy use, utility rules, and project costs, so compare system design, installation process, warranties, and service.

Our LightReach lease has no upfront cost and a fixed monthly payment. Palmetto owns and maintains the system, with a 90% Production Guarantee and comprehensive protection program. Availability and terms depend on your address and home.

Florida incentives include a sales-tax exemption for qualifying solar and storage equipment; property-tax relief, including an 80% exemption for qualifying devices treated as tangible personal property; and utility export credits that vary by provider.

Local programs include Boynton Beach’s $1,500 rebate, Lakeland Electric’s eligible zero-interest loan, and Florida Keys Electric Cooperative financing. The federal 30% residential credit is no longer available for cash purchases after the 2025 law change. With LightReach, Palmetto claims the commercial ITC and passes savings through; it owns and maintains the system, with a 90% Production Guarantee and comprehensive protection.

Yes. Solar panels work well in Florida, which averages about 5.6 peak sun hours per day. They still generate electricity on cloudy days because sunlight reaches panels through clouds, though output is lower than in full sun.

Production changes with Florida’s seasons: longer summer days support higher output, while shorter winter days and cloud cover can reduce it. In the article’s example, a 10 kW system produces about 42.7 kWh per day in July and 34.3 kWh in December.