Momentum Solar
Your Numbers
kWh per year — CT average ~8,500
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per kWh
$
per month — what utility would charge for same kWh
% increase per year
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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.

Newark & North Jersey — PSE&G Territory

Solar Panels in Newark, NJ:
2026 Urban Energy Guide

PSE&G rates at $0.26/kWh and rising. Newark homeowners — from the Ironbound to Forest Hill — are going solar with $0 down and cutting their bills by 30–45% from day one.

⚡ Get My Free Newark Solar Quote
Omar Jackson — Newark NJ Solar Installer
Omar Jackson — Founder, Solar by Omar | Serving All 21 NJ Counties I’ve installed solar on everything from South Jersey ranch homes to Newark row houses and Jersey City brownstones. Urban installs have unique requirements — flat roofs, shade analysis, tight setbacks — and this guide covers all of it.

Is solar worth it in Newark, NJ in 2026?

Yes. Newark is served by PSE&G at approximately $0.26/kWh — among the highest residential rates in New Jersey. At that rate, an 8kW solar system saves approximately $2,470/year in net metering credits alone, plus NJ SuSI TREC income of $815+/year for 15 years. On a $0-down lease, most Newark homeowners save 30–45% on their monthly electric bill from the first month. The main engineering challenge in Newark is flat and low-slope roofs — which Solar by Omar handles with ballasted and mechanically attached mounting systems designed specifically for urban NJ properties.

Newark has one of the highest electricity cost burdens of any city in New Jersey. PSE&G’s rates have increased steadily for years, and North Jersey homeowners are increasingly turning to solar to break free from utility volatility. This guide covers what solar actually looks like in an urban NJ environment — from flat roof engineering to neighbor shading to the exact incentives available in 2026.

$0.26PSE&G Rate Per kWh
$85.90NJ SuSI TREC per MWh
$0Down Available

Why Newark is a Strong Solar Market Despite Urban Density

The conventional wisdom is that urban solar is harder than suburban solar — and there’s some truth to that. But Newark’s high PSE&G rates make the financial case compelling even when engineering is more complex. Here’s why:

PSE&G’s $0.26/kWh rate means every kilowatt-hour your panels produce saves you more money than it would in a lower-rate utility territory. New Jersey’s 1:1 retail net metering credits your account at that full retail rate — so surplus production during daylight hours banked at $0.26/kWh offsets your evening usage at the same rate.

Combined with NJ’s SuSI TREC program ($85.90/MWh for 15 years), property tax exemption, and 0% sales tax on solar equipment, the incentive stack for Newark homeowners is as strong as anywhere in New Jersey. The challenge isn’t the economics — it’s the engineering. And that’s where local expertise matters.

💡 Newark’s Solar ROI at PSE&G Rates

An 8kW system producing 9,500 kWh/year saves approximately $2,470/year at PSE&G’s $0.26/kWh rate through net metering. Add $815/year in SuSI TREC income and you’re looking at over $3,285 in annual value — before accounting for the portion of production consumed directly (which saves you at the full retail rate too). Over 25 years with modest rate increases, total savings typically exceed $65,000.

Flat Roof Solar in Newark — The Urban Engineering Reality

This is the section that separates a real Newark solar installer from a company that’s never worked in North Jersey’s urban environment. Many Newark and Jersey City homes feature flat or low-slope roofs with TPO, EPDM, or modified bitumen membranes. Standard roof-flush mounting systems designed for sloped asphalt shingles don’t work here — and any company that tries to use them on your flat roof is either inexperienced or careless.

Flat Roof Solar — What We Actually Use

Solar by Omar uses two primary mounting approaches for Newark’s urban roof profiles — chosen based on your specific roof material, load capacity, and HOA or landlord requirements.

Both systems avoid penetrating your roof’s waterproof membrane unnecessarily — protecting your roof’s integrity for the full life of your solar installation.

Most Common

Ballasted Tilt-Up System

Concrete ballast blocks hold the racking in place using weight — no roof penetrations required. Panels tilt at 10–15 degrees for optimal North Jersey sun exposure. Best for TPO and EPDM flat roofs in good condition.

Penetrating

Mechanically Attached Racking

Bolts through the roof deck into structural members with waterproof flashing. Provides maximum wind resistance for high-exposure Newark rooftops. Required when ballast weight would exceed roof load capacity.

Hybrid

Hybrid System

Combination of ballast and selective mechanical attachment. Used on older Newark buildings where full ballast weight is a concern but full penetration isn’t preferred by building management.

Urban Shading Analysis — Neighbor Buildings & Trees

Urban density creates shading challenges that suburban solar systems don’t face. A neighboring building to the south, mature street trees, or a rooftop water tower can significantly reduce a system’s output if not accounted for in the design.

Every Solar by Omar Newark proposal includes a full shading analysis using 3D satellite modeling — identifying obstructions, calculating shadow angles by season, and sizing the system around your actual available sun exposure. We won’t propose a system that doesn’t pencil out because of shading your neighbor’s building creates.

📌 Microinverter advantage for urban installs: In shaded urban environments, microinverters or power optimizers are typically the right technology choice over string inverters. They allow each panel to operate independently — so one shaded panel doesn’t drag down the output of an entire string. We specify the right inverter technology for your specific shading profile.

Newark’s Urban Heat Island — A Hidden Solar Benefit

Newark’s dense brick and concrete infrastructure creates an Urban Heat Island effect — temperatures in Newark and surrounding North Jersey urban centers often run 5–10°F higher than suburban areas. This drives significantly higher air conditioning loads, which directly increases your utility bill and your solar ROI.

Solar panels installed on your roof also function as a thermal barrier. Studies show roof-mounted panels reduce attic temperatures by up to 38°F compared to exposed roof surfaces, because the panels absorb solar radiation before it reaches your roof membrane. This cooling effect reduces your air conditioning load independently of the electricity your panels produce — a dual benefit specific to urban environments.

Newark Solar Incentives in 2026 — What’s Available

⚠️ Federal Tax Credit — Gone for Direct Purchases in 2026

The 30% federal residential solar tax credit (Section 25D) was eliminated January 1, 2026. Newark homeowners who buy solar with cash or a loan receive zero federal tax benefit. The only remaining federal pathway is through a lease or PPA — where the installer claims the commercial 48E credit and passes it through as a lower monthly rate. See the full lease vs loan comparison for NJ here.

New Jersey’s own incentive stack remains fully intact:

  • NJ SuSI TREC Program — $85.90/MWh for 15 years. Quarterly income payments for every megawatt-hour produced. On an 8kW Newark system producing 9,500 kWh/year — that’s ~$815/year for 15 years. Worth $12,000+ over the full term.
  • 1:1 Retail Net Metering from PSE&G. Every kWh exported to the PSE&G grid is credited at full $0.26/kWh retail rate. Credits bank monthly and offset evening and overnight consumption automatically.
  • NJ Property Tax Exemption. Solar panels add real market value to your Newark home but NJ law prevents your municipality from raising your property tax assessment because of them.
  • 0% NJ Sales Tax. All solar equipment is exempt from NJ’s 6.625% sales tax at point of purchase — applied automatically, no application needed.
  • $0-Down Lease / PPA. No upfront cost. Immediate monthly savings. The installer claims the Section 48E credit and passes it through as a lower rate.

PSE&G Solar Grid Status in Newark & North Jersey

PSE&G uses a Solar Power Suitability Map showing each circuit’s capacity in red, yellow, or green. Newark spans multiple PSE&G circuits with varying capacity levels — some neighborhoods have open green circuits while others are approaching limits.

The good news for Newark homeowners: PSE&G’s North Jersey grid has been receiving significant infrastructure investment. Many circuits that were restricted 12–18 months ago have reopened as PSE&G upgrades substations and distribution lines to support the region’s growing solar adoption.

Your specific address and circuit determine your approval timeline — not your zip code or neighborhood. Check your PSE&G solar eligibility here.

Newark Neighborhoods Solar by Omar Serves

The Ironbound
Forest Hill
Weequahic
Vailsburg
North Ironbound
Branch Brook
Clinton Hill
Upper Roseville

Solar by Omar — North Jersey Service Area

Beyond Newark, Solar by Omar serves all of North and Central Jersey across PSE&G territory. Here are the primary cities and towns we serve regularly:

Jersey City

Hudson County — PSE&G. Flat roof brownstone specialists.

Elizabeth

Union County — PSE&G. High-density residential.

Paterson

Passaic County — PSE&G. Urban row home installs.

Union Township

Union County — PSE&G. Suburban/urban mix.

Kearny

Hudson County — PSE&G. Urban flat roof.

Harrison

Hudson County — PSE&G. Dense residential.

Montclair

Essex County — PSE&G. Mature suburban.

West Orange

Essex County — PSE&G. Strong solar market.

Clifton

Passaic County — PSE&G. High bill territory.

Wayne

Passaic County — PSE&G. Suburban installs.

East Orange

Essex County — PSE&G. Urban density.

Irvington

Essex County — PSE&G. Row home installs.

Staying on PSE&G vs Going Solar in Newark

Factor Staying on PSE&G Solar by Omar
Monthly Cost Variable — rising ~5% annually Fixed — 30–45% lower from day 1
Flat Roof Compatible N/A ✓ Ballasted & attached systems available
Urban Shading Analysis N/A ✓ 3D satellite shading model included
SuSI TREC Income None $815+/year for 15 years
Net Metering Credits None 1:1 at PSE&G’s $0.26/kWh
Property Value Unchanged Increased — 0% tax impact
Upfront Cost None $0 — lease/PPA available

Newark Solar FAQs

Yes. Solar by Omar specializes in flat and low-slope roof installations common in Newark, Jersey City, and North Jersey’s urban housing stock. We use ballasted tilt-up systems for most flat roofs — heavy concrete blocks hold the racking at the optimal tilt angle without penetrating your roof membrane. For roofs that can’t support ballast weight, mechanically attached systems with waterproof flashing are used instead.
It can, and it’s one of the first things we assess on every Newark proposal. Neighboring buildings, rooftop structures, and street trees all create shading that reduces production. Solar by Omar runs a full 3D shading analysis for every urban property using satellite modeling — and we specify microinverters or power optimizers for shaded installations so each panel operates independently rather than dragging down a full string.
Newark is served by PSE&G (Public Service Electric & Gas). PSE&G’s residential rate of approximately $0.26/kWh is among the highest in New Jersey, which makes solar savings particularly valuable. PSE&G offers 1:1 retail net metering, meaning every kilowatt-hour your panels export to the grid is credited at the full $0.26 retail rate. Check your PSE&G eligibility here.
Yes — if the roof has adequate usable space and acceptable shading. Row homes and brownstones typically have smaller roof footprints than suburban homes, which means a smaller system. But at PSE&G’s $0.26/kWh rate, even a 4–6kW system produces meaningful bill savings and SuSI TREC income. The key is a proper shading analysis to confirm usable production before committing.
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, and 0% NJ sales tax on solar equipment. The federal residential 30% ITC expired December 31, 2025 for direct purchases — lease/PPA financing still accesses it indirectly. See the full 2026 NJ incentives guide.
Yes — Solar by Omar serves all 21 NJ counties including Essex, Hudson, Passaic, Union, and Bergen. We install in Jersey City, Elizabeth, Paterson, Kearny, Harrison, Montclair, West Orange, Clifton, Wayne, and throughout North Jersey PSE&G territory. See our full NJ service area directory.

Get a Free Urban Solar Quote for Your Newark Home

Omar runs a full 3D shading analysis and flat roof assessment for your specific property — free, no pressure, no sales games.

⚡ Get My Free Newark Solar Quote

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

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