Momentum Solar
Your Numbers
kWh per year — CT average ~8,500
$
per kWh
$
per month — what utility would charge for same kWh
% increase per year
$
per kWh
% increase per year
Payment Trend
Year-by-Year Breakdown
YearUtility
Monthly		Solar Monthly
(before EPP)		Solar Monthly
(EPP)		Yearly
Savings
Your 25-Year Summary
💡

If You Do Nothing

$0
Total utility payments over 25 years
📈

Savings (before EPP)

$0
💰

Savings With EPP Pricing

$0
💡 What is Efficient Partner Pricing (EPP)? ▼
Save Even More

Efficient Partner Pricing (EPP) rewards homeowners who help us operate efficiently. It's the same idea insurance companies use with non-smoker discounts — people who cost less to serve get better rates.

Here's how it works for you:

  • You set aside time to go through all the information and upgrade to solar in one visit
  • That saves us from making a second trip to your home
  • Each home we don't have to revisit lets us help one additional homeowner that month
  • We pass those efficiency savings back to you as a lower monthly rate

To lock in your EPP rate today, we just need three things:

  • ✅ Sign the agreement — get your solar journey started right now
  • ✅ Schedule your Engineering Visit — we send a specialist to finalize your custom system design
  • ✅ Set up autopay — enroll in automatic bank draft (ACH) to waive the monthly billing fee and lock in your lowest rate

It's a win-win. You get a better price today, and we get to help more families switch to solar. That's why the EPP rate you see above is lower than our standard pricing.

📄 Your Solar Lease — What You're Signing Up For

▼
1. Who Is This Agreement Between? ▼

This agreement is between you (the homeowner) and IGS Solar, LLC (the company that owns and maintains the solar system).

IGS Solar leases the equipment to you. You pay a monthly amount to use the system and keep the power it generates. IGS handles installation, insurance, repairs, and monitoring for the full 25 years.

All obligations start on the "Transaction Date" listed on your agreement — that's the day you sign.

2. How Long Is This Agreement? ▼

This is a 25-year lease — 300 months total. Think of it like leasing a car, but for solar panels.

The clock starts on the first day of the month right after your system gets turned on and connected to the grid. We call that the "Interconnection Date." Every year after that is a "Contract Year."

What this means for you: You're locking in your solar rate for 25 years. No renegotiating, no surprises. After 25 years, you choose what happens next — renew, buy the system, or let us remove it for free.

3. Your Monthly Payment ▼

You pay one fixed monthly amount for using the solar system. That's it. No equipment costs, no installation fees, no maintenance bills.

When you sign up, you'll set up automatic payment by credit card, debit card, or bank transfer (ACH). If you set up auto-pay through your bank (ACH), we usually waive the small monthly billing fee — so it's basically free to pay.

You'll get an email invoice every month. If a payment bounces, there's a standard returned-check fee (same as any other bill). If you're late, the fee is 1.5% per month on the past-due amount.

Sales tax may apply to your monthly payment, just like it does on your utility bill. That's normal.

Bottom line: Set it and forget it. One predictable payment. No utility bill roller coaster.

4. What Each Side Handles ▼

What IGS handles (so you don't have to):

  • Installation and construction start to finish
  • A revenue-grade meter that tracks every kilowatt-hour your system produces
  • Insurance on the system against damage or loss
  • All repairs if something breaks
  • No lien on your house — your home title stays clean. We may file a simple equipment notice (like a car loan notice) just to show we own the panels, but that's it

What we ask from you:

  • Keep trees and bushes trimmed so they don't shade the panels
  • Don't clean or modify the system yourself — call us if something looks off
  • Tell us ASAP if you see damage or something missing
  • Sign permit and inspection paperwork within 7 days when we send it
  • Keep your internet on — the monitoring system needs a connection to track performance. We can use your WiFi or install a cellular gateway
  • Get HOA approval if your neighborhood requires it
  • Don't use the system to heat a pool or hot tub
  • Share utility bills when we ask — helps us verify your savings

Roof work: If you're getting a new roof or doing construction that affects the panels, give us 30 days' notice. We'll coordinate removal and reinstallation. You keep paying your lease during any brief downtime.

Access: We need to get on your roof occasionally for maintenance or monitoring. We'll always try to give you reasonable notice. Access continues for 90 days after the lease ends, just in case we need to remove the system.

Bottom line: IGS handles the technical stuff. You handle basic homeowner stuff. Fair trade.

5. Before We Install ▼

Before installation day, we do our homework:

  • Engineering site audit to make sure your roof is solid
  • Final system design customized for your home
  • Real estate due diligence
  • All city permits, zoning, and building approvals
  • We claim any available rebates and renewable energy credits

You just need to return any paperwork we send you and get HOA approval if it applies.

If for some reason your roof can't support solar or the city won't approve it, we can cancel the agreement — but that's rare and protects both of us.

6. Changes to This Agreement ▼

The only way this agreement changes is if both of us sign a written amendment. No handshake deals, no verbal promises. We can fix utility paperwork to match the lease terms, but nothing changes your rate or your obligations without your signature.

7. Your Warranties ▼

Your protection comes from two documents:

  • The Limited Warranty (Exhibit 2) — covers defects, workmanship, and materials for 25 years
  • The Production Guarantee (Exhibit 3) — makes sure your system performs

Those two documents cover everything that matters. IGS doesn't make promises beyond what's in those exhibits — but honestly, they cover all the important stuff.

8. Can IGS Sell This Lease to Someone Else? ▼

Your lease may be transferred to a qualified financing partner — just like your mortgage gets sold to another bank. This is standard for solar leases.

Your rate, your terms, your warranty — nothing changes for you. The new company takes over the backend, and the old company is off the hook. Same as when your mortgage gets sold.

9. Who Owns the Equipment? ▼

IGS owns the panels, inverters, and equipment. It's considered personal property — like a leased car, not a built-in appliance. It doesn't become part of your house.

You can't let anyone put a lien on the equipment. If a contractor you hire separately tries to file a lien on the panels, you have 30 days to clear it.

Bottom line: You get all the benefits of solar without the headaches of ownership.

10. Who Owns the Power? ▼

You do. Every kilowatt-hour that hits your roof is yours. That's what you're paying for — the power, not the hardware.

11. Tax Credits & Incentives ▼

Since IGS owns the equipment, we claim the federal tax credits, state rebates, and renewable energy credits (SRECs). That's how we can offer you such a low monthly rate. We take the tax benefits on the front end, you take the savings on the back end. Win-win.

You'll need to sign some utility paperwork so we can process the incentives, but that's standard and takes two minutes.

Bottom line: The tax credits are baked into your low monthly payment. You're already getting the benefit — just in the form of savings instead of a tax form.

12. Can You Buy the System Later? Yes. ▼

Starting at year 5, you can buy the system outright if you want. The price is based on whichever is more fair:

  • Your remaining payments at a discount: All remaining lease payments, discounted at 5% per year. Basically "pay off the lease early at a discount."
  • What the system is actually worth: An independent appraiser figures out the fair market value. IGS pays for the appraisal.

If you buy it, you get any remaining manufacturer warranties and a bill of sale. From that day on, you're responsible for maintenance and repairs — just like you own it.

Bottom line: You have an exit ramp. Most people don't buy because the lease savings are already great, but the option is there if your situation changes.

13. What If You Sell Your House? ▼

You have three easy options. Most buyers love taking over a solar lease because it means lower electric bills from day one.

Option 1: Transfer the lease. Give us 30 days' notice, we run a quick credit check on the buyer. If they qualify, they take over the payments. This is the most common route — buyers see solar as a selling point.

Option 2: Prepay the lease. Pay off the remaining payments in a lump sum. The new owner pays nothing but still gets the solar power. Great for cash buyers.

Option 3: Buy the system (only if you're past year 5) and include it in the home sale. Now the buyer owns the panels free and clear.

Bottom line: Solar doesn't trap you in your house. It's a selling point. And if none of these work, talk to us — we want to help, not punish.

14. What Happens After Year 25? ▼

About 3 months before your lease ends, we mail you renewal forms. You have three choices:

  • Renew — sign the forms and keep going
  • Decline — sign the forms saying you're done, and the lease ends
  • Do nothing — your lease continues year-to-year at the same low rate, and you can stop anytime with 30 days' notice

If you don't renew or buy, we can remove the system for free at a time that works for you. Or we may transfer ownership to you as-is at no charge, and the system becomes yours to keep.

Bottom line: No cliff at year 25. You have options, and if you want out, we clean up after ourselves.

15. System Removal ▼

If you don't renew or buy after 25 years, we can remove the system for free and schedule it at your convenience. We'll take the panels off, seal the roof penetrations, and leave your roof as close to original as possible.

Or we may transfer ownership to you as-is at no charge, and the system becomes yours to keep.

16. Storms, Damage & Insurance ▼

Unless you intentionally damage the panels or are grossly negligent, IGS covers everything — hail, wind, fire, theft, you name it.

Your lease payment stays the same during repairs, but remember — you're still getting power from the grid, so your lights stay on while we fix the system. The repair is on us, not you.

Bottom line: Sleep easy. A tree falls on your roof? Not your wallet. Lightning strikes an inverter? We replace it.

17. Liability Limits ▼

If something goes wrong, IGS is only on the hook for direct damages — not lost profits, emotional distress, or other indirect stuff. Your liability to IGS is capped at what you'd owe under the default section.

Standard lease language. Every contract has it.

18. When Would This Go Bad? ▼

You're in default if:

  • You miss a payment and it's 30+ days late
  • You break a major rule and don't fix it within 14 days of us notifying you
  • You alter the system without permission
  • You give us false info on the application
  • You try to sell or transfer the lease without our okay
  • You go into bankruptcy or foreclosure

Bottom line: Pay your bill, don't mess with the equipment, and be honest. Do that, and you'll never think about this section. 99% of customers don't.

19. What Happens If Things Go South? ▼

This is the worst-case scenario section. If you default, we can try to fix the situation, take the system back, ask for the remaining value, or report it to credit bureaus.

This almost never happens because most people just pay their bill and enjoy the savings. If you're struggling, call us before you miss a payment — we'd rather work with you than against you.

20. Credit Check ▼

We run your credit when you apply. We report your payment history to credit bureaus.

Pay on time, build credit. Miss payments, it can hurt — just like any other bill. Standard stuff.

21. Photos of Your System ▼

We might take pictures of the panels on your roof for our website or marketing materials. Your name, address, and personal details stay private.

Your house might be a solar model home. No big deal.

22. Waivers ▼

If we don't enforce a rule one time, that doesn't mean we can't enforce it later. Standard contract language.

23. Legal Stuff ▼

This agreement follows the laws of your state. If there's a dispute, it gets handled in your local courts. No jury trials, no class actions — just straightforward resolution.

Standard legal boilerplate. Every contract has it.

24. Notices ▼

Important stuff has to be in writing — email, mail, or hand delivery. No "he said, she said."

25. The Whole Deal ▼

This document is the whole deal. No side agreements unless both of us sign them. If a court says one part doesn't work, the rest still stands.

26. Your Right to Cancel — 7-Day Safety Net ▼

You have 7 business days to change your mind. Zero cost. Zero hassle.

Sleep on it. Talk to your spouse. Google us. If you're not 100% in, cancel within a week and it's like it never happened. We'll refund any payments within 10 business days.

To cancel, just send a written notice to:

IGS Solar, LLC
6100 Emerald Parkway
Dublin, Ohio 43016
Email: SolarSupport@igs.com

Before You Sign ▼

By signing, you're saying:

  • "I've read this agreement and I understand it's legally binding"
  • "I know utility rates change over time, so savings can vary month to month — but over 25 years, the math is strongly in my favor"

Don't sign if there are blank spaces. Everything should be filled in before you put pen to paper.

Bottom line: You're making an informed decision. No pressure, no rush. You have 7 days to back out. Let me make sure every blank is filled and every question is answered before you sign.

Your 25-Year Warranty ▼

System Warranty: Professional install, free from defects in workmanship and materials for 25 years under normal use.

Roof Warranty: All roof penetrations are watertight for 5 years. If we put a hole in your roof, we seal it right.

Operation: The system will operate within manufacturer specs. If not, we repair or replace defective parts and restore operation.

Monitoring: Free monitoring for the full 25 years (unless you buy the system). We watch your production remotely. If something's off, we know before you do and we fix it.

Claims: Email SolarSupport@igs.com, call 888.974.0114, or mail overnight to 6100 Emerald Parkway, Dublin, OH 43016 — ATTN: IGS Residential Solar.

What's NOT covered: Damage you cause, unauthorized repairs, new tree growth shading the panels, or failures not caused by a system defect. Acts of God (hurricanes, earthquakes) — but remember, IGS still insures the system against those.

Bottom line: You're covered for 25 years. If the system breaks, underperforms, or leaks — we handle it. That's the whole point of leasing instead of buying.

PSE&G Territory · North & Central NJ

The Complete PSE&G Solar Guide
for 2026

PSE&G rates are at all-time highs. Here’s exactly how 1:1 net metering works, what the suitability map means for your address, and how to eliminate your bill — not just reduce it.

Omar Jackson Solar by Omar PSE&G territory
Omar Jackson — Founder, Solar by Omar | PSE&G Territory Expert I spent 9 years closing solar contracts across PSE&G territory in North and Central NJ. I know how the interconnection process actually works, which circuits are constrained, and how to engineer a system that gets you to a $5 monthly bill.

Is solar worth it with PSE&G in 2026?

Yes — PSE&G territory is one of the strongest solar markets in New Jersey. At approximately $0.26/kWh all-in with the highest residential rates in the state, the savings math on a $0-down solar lease is compelling from day one. PSE&G’s 1:1 retail net metering means every kWh your panels export earns a full $0.26 credit. NJ SuSI TREC payments add $815+/year on top of bill savings. The key PSE&G-specific considerations are the Solar Power Suitability Map — some North Jersey circuits are approaching capacity — and the annual Anniversary Month credit cashout which most homeowners don’t know about until it’s too late.

PSE&G (Public Service Electric & Gas) is New Jersey’s largest utility — serving over 2.3 million customers across North and Central NJ including Newark, Jersey City, Paterson, Elizabeth, Clifton, Edison, and hundreds of suburban communities. If your electric bill has a PSE&G logo on it, this guide is for you.

$0.26PSE&G All-In Rate Per kWh
$85.90NJ SuSI TREC per MWh
2.3MPSE&G NJ Customers

Understanding Your PSE&G Bill — The Real Rate

The most confusing thing about a PSE&G bill is the gap between what they advertise and what you actually pay. Your bill prominently shows the “Price to Compare” — PSE&G’s Basic Generation Service rate of approximately $0.17/kWh. But that’s supply only. Your actual bill includes delivery charges, transmission, societal benefits charges, taxes, and fixed fees on top of that.

When you divide your total monthly bill by your total kWh used, PSE&G customers in 2026 are paying approximately $0.26/kWh all-in. That’s the number that matters for solar savings math — because solar replaces your entire bill, not just the supply portion.

💡 What’s Actually On Your PSE&G Bill

Basic Generation Service (supply) ~$0.17/kWh
Delivery charges (wires, substations) ~$0.06/kWh
Societal Benefits Charge (SBC) ~$0.02/kWh
Taxes, fees, fixed customer charge ~$0.01/kWh + $5 fixed
All-in effective rate ~$0.26/kWh

The delivery portion — which solar doesn’t eliminate entirely — is what’s been growing fastest. Rate cases, grid modernization investments, and infrastructure upgrades all flow through delivery charges. A solar system eliminates your supply costs and dramatically reduces your delivery charges through net metering, leaving you with only the fixed monthly customer connection fee of approximately $5/month.

How PSE&G 1:1 Net Metering Works

New Jersey law requires PSE&G to offer 1:1 retail net metering to residential solar customers. This is the single most important financial mechanism in the NJ solar equation — and it’s what makes PSE&G territory particularly compelling.

Here’s how it works in practice: your solar panels produce peak power during the day when you’re not home. That excess power flows into the PSE&G grid, and PSE&G credits your account at the full $0.26/kWh retail rate — the same rate they charge you. When you come home in the evening and pull from the grid, you use those banked credits instead of paying cash.

☀️ The Summer-Winter Banking Strategy

In NJ, solar systems overproduce heavily in April, May, June, and July — long days, optimal sun angle, low home cooling load during the day. Those months build up your credit bank. December, January, and February drain it as shorter days and higher heating loads mean you’re net consuming more than you produce. A properly sized system designed for 95–100% annual offset builds enough summer credits to cover winter deficits, netting out close to zero over a full year.

The PSE&G Anniversary Month Cashout — What Nobody Tells You

This is the most important PSE&G-specific section in this guide. Most homeowners don’t learn about it until after it’s already cost them money.

🚨 The Anniversary Month Wholesale Cashout

Net metering credits roll over month to month — but not indefinitely. Once per year, on your “Anniversary Month” (typically April or May for most NJ customers), PSE&G performs an annual reconciliation. Any excess credits remaining in your account are wiped to zero and PSE&G pays you out at the wholesale rate — approximately $0.03–$0.04/kWh. Not the $0.26/kWh retail rate you built them at. That’s a 85%+ reduction in value. A homeowner who accumulated 1,000 kWh in banked credits gets a check for $30–$40 instead of $260 in credit value. The solution is to design your system to match 95–100% of your annual usage — not 120% or 150%. You want to use what you produce, not give it away at wholesale.

This is why system sizing matters. An oversized system sends excess credits to PSE&G at a massive discount. Solar by Omar sizes every PSE&G system to target 95% annual offset — maximizing your net metering value without overproducing into the anniversary month trap.

The PSE&G Time-of-Use Rate Trap

PSE&G has been aggressively expanding its Time-of-Use (TOU) rate program — RS-TOU — which prices electricity based on when you use it. Off-peak hours (overnight, weekends) are cheap. On-peak hours (4pm–8pm weekdays) are significantly more expensive.

For most homeowners without solar, TOU is a trap. You get home at 6pm, run the oven, turn on the TV, and charge your EV — all during the most expensive window of the day.

For solar homeowners with battery storage, TOU becomes an advantage. Your panels charge your Tesla Powerwall during the day at low solar marginal cost. At 4pm when peak pricing kicks in, your battery discharges — powering your home through the expensive window without touching the grid. You arbitrage PSE&G’s own rate structure against them.

📌 Should you switch to TOU with solar? Not automatically — it depends on your usage pattern and battery setup. For solar-only systems without battery, staying on the standard flat rate is usually better. For solar + Powerwall, TOU can add meaningful value. Omar checks your usage profile before recommending a rate switch.

PSE&G Solar Power Suitability Map — What It Means for Your Address

PSE&G publishes a Solar Power Suitability Map showing each distribution circuit’s current solar capacity status. As North and Central NJ solar adoption has accelerated, some circuits are approaching their hosting capacity limits.

Green — Open

Standard interconnection. Application reviewed within normal 30-day window. No design constraints.

Yellow — Caution

Additional PSE&G engineering review required. May add 2–4 weeks. System size may need adjustment.

Red — Restricted

Standard export may be limited. Non-export battery configuration or detailed study required before approval.

Your circuit status is specific to your street — not your zip code. A neighbor two blocks away may be on a green circuit while yours shows yellow. Solar by Omar checks your exact address against the live PSE&G database before any proposal. Check your PSE&G solar eligibility here.

PSE&G Territory Solar Incentives in 2026

⚠️ Federal Tax Credit — Gone for Direct Purchases in 2026

The 30% federal residential solar tax credit (Section 25D) was eliminated January 1, 2026. PSE&G territory homeowners who purchase solar with cash or a loan receive zero federal tax benefit. The only remaining federal pathway is through a $0-down lease or PPA — where Solar by Omar claims the commercial Section 48E credit and passes it through as a lower monthly rate. See our updated lease vs loan analysis.

  • NJ SuSI TREC — $85.90/MWh for 15 years. Quarterly income on top of bill savings. On a typical 8kW PSE&G territory system — approximately $876/year, $13,140 over the full term.
  • PSE&G 1:1 Net Metering at $0.26/kWh. Full retail credit for every kWh exported. Among the most valuable net metering rates in the country.
  • NJ Property Tax Exemption. Solar adds real market value but NJ law prohibits municipalities from raising your property tax assessment because of it.
  • 0% NJ Sales Tax. All solar equipment exempt from NJ’s 6.625% tax at purchase — automatic.
  • PSE&G EV Make-Ready Rebate. PSE&G offers a $1,500 rebate when you install a Level 2 EV charger — stackable with solar installation.

PSE&G Territory Communities Solar by Omar Serves

Newark
Jersey City
Paterson
Elizabeth
Clifton
Edison
Woodbridge
Sayreville
Old Bridge
Hamilton
Montclair
West Orange

PSE&G Solar — Frequently Asked Questions

Yes. NJ law requires PSE&G to offer 1:1 retail net metering. Every kWh your solar panels export to the PSE&G grid earns a credit at the full $0.26/kWh retail rate — the same rate they charge you. Credits bank monthly and automatically offset future bills.
Once per year on your anniversary month (typically April or May), PSE&G zeroes out any remaining net metering credits and pays you at the wholesale rate — approximately $0.03–$0.04/kWh, not the $0.26/kWh retail rate you built them at. This is why proper system sizing matters. A system sized at 95–100% of your annual usage avoids this trap by using what it produces rather than accumulating excess credits that get wiped at wholesale.
After your solar system is installed and passes municipal electrical inspection, PSE&G typically takes 2–4 weeks to swap your meter for a bi-directional smart meter and issue your Permission to Operate (PTO) letter. You cannot turn the system on until you receive PTO. Solar by Omar submits your interconnection paperwork directly with PSE&G and manages the full process.
Almost. Even a system producing 100% of your annual energy needs will leave one line on your PSE&G bill — the mandatory monthly customer connection fee of approximately $4.95–$5.00/month. This is your fee for staying connected to the grid as a backup. You cannot eliminate it even with a battery system unless you go fully off-grid, which is rare and complicated in NJ.
PSE&G does not offer cash rebates for solar panels themselves. Your incentives come from NJ’s SuSI TREC program ($85.90/MWh for 15 years) and net metering. PSE&G does offer a $1,500 EV Make-Ready rebate when you install a Level 2 EV charger alongside your solar project. The 30% federal residential ITC expired December 31, 2025 for direct purchases.
PSE&G publishes a Solar Power Suitability Map showing each distribution circuit’s current solar capacity — green (open), yellow (approaching limit), or red (restricted). On restricted circuits, PSE&G may require additional engineering or limit export. Your status depends on your specific street, not your zip code. Learn more about the PSE&G suitability map here.
NJ SuSI TREC payments ($85.90/MWh for 15 years), PSE&G 1:1 retail net metering at $0.26/kWh, NJ property tax exemption, 0% NJ sales tax, and PSE&G’s $1,500 EV Make-Ready rebate. The federal 30% residential ITC expired December 31, 2025. See the full 2026 NJ incentives guide.

Stop Paying PSE&G’s Climbing Rates

Omar checks your PSE&G circuit status, reviews your roof, and gives you honest numbers on solar savings for your specific home — free, no pressure.

⚡ Check My PSE&G Solar Eligibility

PSE&G eligibility checker · PSE&G suitability map · NJ incentives 2026 · PSE&G TOU rates explained · All NJ service areas

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