If you’re like most Texas homeowners, your electric bill is rising every year — and you’re getting nothing in return.
✅ You rent power from the utility.
✅ The cost goes up every year — about 3% annually.
✅ Over 25 years, you could pay more than $110,000 — and still be at the mercy of the grid.
But there’s a smarter way: own your power with solar.
We recently ran the numbers on a typical home and loan structure for one of our clients — here’s what we found:
The Scenario
- Average electric bill today: $250/month
- Annual utility rate increase: 3%
- Solar system cost: $40,000
- 20-year solar loan at 8% APR
- 30% Federal tax credit applied in Year 2
- Solar covers 100% of electricity usage
- Same monthly payment for the solar loan: $334.58/month, paid off in ~11 years
Lifetime Savings Over 25 Years
| Options | Total Paid Over 25 Years |
| Stay on Utility | $110,873.71 |
| Go Solar (with loan) | $43,494.88 |
| Lifetime Savings | $67,378.83 |
That’s right: you could save over $67,000 — and that assumes you stay in your home the full 25 years.
Even if you move earlier, solar adds value to your home…. can be realized at the Point of Sale and transfer to the new owner.
How It Plays Out Over Time
Monthly Cost Comparison
- You use the Federal Tax Credit to pay down the principal of your loan in year 2
- First 11 years: you pay your solar loan ($334.58/month).
- After that, your cost drops to $0/month for power, while your neighbors keep paying more and more.
- Utility rates double every 24 years at 3% annual increases. Solar locks in your cost.
Cumulative Payments
- By Year 12, solar breaks even — from there, you’re ahead.
- By Year 25, you’ve saved over $67K — all while powering your home with clean energy.
Why You Should Add a Battery Backup
Most homeowners we talk to are also considering battery storage — and here’s why it makes sense:
✅ Keep your lights on during grid outages
✅ Power critical appliances (fridge, lights, security, phones)
✅ Use your own stored solar power at night
✅ Further reduce your electric bill with advanced battery savings programs
Typical cost to add a battery: ~$10K–$15K
30% Federal tax credit applies → ~$3K–$4.5K savings instantly
Payoff time: Often adds only $50–$75/month to your solar loan — yet gives you energy independence.
Bonus: Homes with solar + battery often appraise for 5–10% more than similar homes without.
Bottom Line
If you’re thinking about solar — now is the time:
✅ 30% Federal tax credit Expires End of 2025
✅ Utility rates keep climbing — every year you wait costs you more
✅ Solar loans let you go solar with no upfront cost
✅ Adding a battery gives you peace of mind and energy freedom
Ready to See Your Own Savings?
Click below to schedule a free solar and battery savings analysis.
We’ll run YOUR numbers — no obligation.
👉 Schedule My Solar Savings Estimate