Solar comes up in many transactions I’m involved in — buyers asking whether a leased system is a problem, sellers wondering how to position it, homeowners deciding whether to go solar before listing. With the rules changing in 2026, I wanted to share a clear, straightforward breakdown.
What changed: The federal 30% tax credit for homeowners who purchase solar expired January 1, 2026. Leases and PPAs still qualify for a version of that credit through end of 2027, passed to you as lower payments or an upfront discount.
Buying: You own the system, capture all the long-term savings, and the panels transfer as a free asset at sale — which OC buyers value. Payback in OC is typically under 6 years. Strong ROI long-term, but you’re paying full price without the federal credit now.
Leasing: $0 down, no maintenance, and in 2026 you benefit from a tax credit the buying route no longer gets. Downside: when you sell, the buyer must assume your lease or you buy it out — which can complicate a transaction. OC buyers prefer owned systems.
My take: If you’re staying 10+ years, buying still wins. If you’re within a few years of selling, talk to me before signing any solar lease — I’ve seen it create friction at escrow that nobody anticipated.
