While buying (with cash or a loan) is generally considered the best financial move for most homeowners, leasing can be a viable path if you have limited tax liability or prefer not to handle system upkeep. Comparison of Features Buying (Cash/Loan) Leasing (Lease/PPA) High (~$30,000 avg) or $0 down with loan $0 Ownership You own the system Solar company owns it Tax Incentives You keep federal tax credits & rebates Company keeps incentives Maintenance Your responsibility (often warrantied) Company handles all repairs Home Value Increases by 5–10% on average Little to no impact Monthly Cost $0 (cash) or fixed loan payments Monthly fee (often has 1–5% annual increases) Selling Home Straightforward; loan can be paid off Can complicate sales; lease must be transferred Why You Might Buy
In 2026, products have become popular. You pay a discounted lump sum upfront (which factors in the tax credits the company receives) and then take full ownership after Year 6 . This offers a middle ground with professional maintenance during the first few years and full ownership for the rest of the system's life. Is it better to buy or lease solar panels? - EnergySage solar system lease or buy
: The solar provider is responsible for monitoring and fixing the system for the entire 20–25 year term. While buying (with cash or a loan) is
Deciding whether to lease or buy a solar system depends on whether you prioritize or immediate cash flow and zero maintenance . This offers a middle ground with professional maintenance