Home · 2026
What home solar costs and saves in Montana this year — built on the state's real 13.35¢/kWh rate and full retail rules.
Avg electricity rate
13.35¢/kWh
Net metering
Full retail
Federal status
25D ended (2025)
Verified 2026-06-26 · source
In Montana, the average residential electricity rate is about 13.35¢/kWh — below the U.S. average of roughly 17.6¢. Because a solar system's payback is driven mostly by the utility rate it offsets, Montana's low rates make home solar a longer-term play that hinges on incentives and rising rates in 2026.
Montana still offers full retail-rate net metering, so every kWh you export is credited at the same price you pay. That is the most favorable arrangement for solar economics and shortens payback.
The federal 30% residential tax credit (Section 25D) ended for systems installed after December 31, 2025. In 2026, home-solar value comes from offsetting your utility bill, net metering, and battery backup — not a federal credit.
For a typical Montana home spending about $150/month on electricity, our model estimates a 9.63 kW system costing roughly $28,890 after incentives, paying back in about 16.1 years, with on the order of $16,106 in 25-year savings. These are estimates built from Montana's real electricity rate — get a quote to confirm your numbers.
With Montana's net-metering rules, 2026 home solar is increasingly about energy independence — pairing panels with a battery to ride through outages and shift usage — not just shaving the monthly bill.
Estimates only — not tax, financial, or legal advice. Verify all incentives and savings with a qualified professional before acting.
No — the federal residential credit (Section 25D) ended for systems installed after December 31, 2025. Montana home solar now pays through your electricity rate (about 13.35¢/kWh), net metering, and battery backup rather than a federal credit.
Montana uses full retail-rate net metering. That affects how the power you export is credited and, in turn, your payback — full retail-rate crediting is most favorable, while net billing makes pairing solar with a battery more attractive.
At about 13.35¢/kWh, Montana's residential electricity rate makes a longer-term case for solar economics in 2026. Run your address through the calculator above for a source-backed estimate of system size, net cost, and payback.
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