01 — Overview
The short version
A typical New Jersey homeowner who installs an 8 kW solar system in 2026 will spend approximately $22,000 to $26,000 before incentives. The 30% federal Residential Clean Energy Credit knocks that down by $6,600 to $7,800. New Jersey's SuSI (Successor Solar Incentive) program then pays the system owner per megawatt-hour of production for 15 years — adding roughly $10,000–$12,000 in income on top of bill savings. With $0-down financing, most homeowners start saving money the first month because the loan payment is lower than the utility bill it replaces.