May 29, 2025
Solar is still surging in 2025, but the rules of the game just changed. On July 4, 2025, President Trump signed the “One Big Beautiful Bill Act,” a sweeping law that accelerates the phase‑out of clean‑energy incentives and eliminates the 30 % federal tax credit for leased residential systems starting this year. Homeowners now have a narrower window—credits for purchased systems begin winding down in 2026 and disappear after 2028—to lock in the biggest savings. In this guide, we unpack how the new law reshapes the buy‑vs‑lease math and outline the fresh pros and cons so you can choose the smartest path to solar ownership in the post‑OBBB era.
Factor | Buying | Leasing / PPA |
---|---|---|
Up‑Front Cost | High (cash or loan) | Low to none |
2025 Federal Tax Credit | Yes (30 %) | No |
Ownership | You | Third party |
Maintenance | Your responsibility | Provider handles it |
Monthly Payment | Loan payment (ends) | Lease payment (often escalates) |
Lifetime Savings* | $47k–$65k (typical CA 6 kW system) | $15k–$25k |
Home Resale Value | +3 %–4 % | Small or none (buyers must assume lease) |
*Estimates assume 3 %/yr utility inflation and 25‑year panel life.
Policy Change | Impact on Buyers | Impact on Lessees |
---|---|---|
Credit sunset moves to 2028 | Encourages earlier installs | Same deadline, but credit removed |
Credit removed for leased systems | N/A | Adds ~30 % to net cost |
Stricter project timelines | Faster install = better ITC timing | Delays hurt lease economics |
Lease payments that rise 2–3 % per year can erase up to 40 % of projected savings by year 20. Always compare the escalator to your utility’s historic rate hikes.
Either way, pick a solar installer that explains every line of the contract—especially post‑2025 tax credit rules.
In 2025, the decision to buy or lease solar panels comes down to your long-term goals, budget, and how recent policy changes may impact your investment. Buying offers greater long-term savings and full ownership benefits, while leasing provides a low-commitment, maintenance-free path to solar energy.
At US Power, we’re here to guide you every step of the way. Whether you're leaning toward ownership or considering a lease, our solar experts will help you find the most cost-effective solution for your home. We’ll run the numbers for buying vs. leasing, explain every incentive, and handle paperwork from permit to PTO.
Ready to go solar? For a detailed comparison and to explore your options further, Book a schedule with our consultant: Book Here!
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