Pennsylvania solar panels: The complete guide in 2025

Solar panels will save you a lot of money over time, but the upfront costs aren't cheap. The average Pennsylvania homeowner needs a 12.81 kW solar panel system to cover their electricity needs, which comes out to $33,684 before incentives. Prices range from $28,631 to $38,737, but after the federal tax credit, that drops by 30%. 

While this may sound high, it will pay off in Pennsylvania. That's why over 44,000 Pennsylvania homeowners have used EnergySage to receive and compare quotes for solar installations. You can expect to earn back your initial solar investment through electricity savings in about 7 years, while most systems last at least 25 years. You'll often see this number referenced as your solar payback period.

There are a few ways to pay for your solar panel system, each with its pros and cons.

• Cash purchase: You pay for your system upfront. While it’s the most expensive option initially, it provides the best long-term savings.

• Solar loan: You owe little to nothing upfront and make monthly payments on your system. With a solar loan, you get to maintain ownership of your panels. Still, they aren't all created equal: If you have access to subsidized clean energy loans through local incentive programs, that's usually your best bet. If not, go with a home equity loan or a personal loan. Private solar loans typically come with higher interest rates or upfront fees.

• Solar lease or power purchase agreement (PPA): You have little to no upfront costs, but a third-party company owns your system. Depending on your contract, you’ll either lease your solar panels (solar lease) or purchase the electricity they generate (PPA). While more affordable upfront, third-party ownership models generally provide the lowest savings and have the worst reputation for reliability. They can be beneficial, but remember to read the fine print.