Download Full Research Report (PDF) — Provider evaluations, NJ incentives, decision framework
NJ Home Solar Analysis 2026
Interactive financial comparison for residential solar in Hawthorne & Ramsey, NJ. Compare providers, financing models, and long-term costs — no ITC, NJ incentives only.
⚠ Industry Context — Recent Bankruptcies
Choose financially stable providers. Warranty and service obligations die with the company.
Provider Comparison
7 providers evaluated for Bergen County. Sorted by recommendation tier.
Financial Calculator
Adjust inputs to compare 5 financing scenarios over 25 years.
System
Utility (PSE&G)
Financing
Analysis
Cumulative Cost Over Time
Annual Cash Flow (Cash Purchase)
Total Cost Comparison
Monthly Payment Trends
Net Present Value (5% discount rate)
Scenario Comparison
Save up to 3 calculator configurations to compare side by side.
Home Sale Impact
How does solar affect your home value and net cost if you sell?
Owned System (Cash)
Leased System
No Solar (Utility Only)
Net Cost by Sell Year
Provider Meeting Checklist
Questions to ask every solar provider. Progress is saved locally.
Red Flags & Decision Framework
Warning signs to watch for during the sales process.
Decision Matrix: Which Financing Model?
| Factor | Cash | Loan | PPA | Lease |
|---|---|---|---|---|
| Long-term savings | Best | Good | Moderate | Lowest |
| Upfront cost | $20K+ | $0 | $0 | $0 |
| SREC-II income | You keep | You keep | Company keeps | Company keeps |
| System ownership | Yours | Yours | Theirs | Theirs |
| Home sale ease | Easy | Easy | Complex | Complex |
| Maintenance risk | You | You | Company | Company |
| Best if... | Have capital, staying long-term | Want ownership, keep capital liquid | Want simplicity, okay with less savings | Fixed budget, short-term stay |