The 2026 pricing reality
The federal residential solar credit (Section 25D) expired December 31, 2025. If you buy with cash or a loan in 2026, there is no federal tax credit for you to claim — full stop. On lease, PPA, and prepaid plans, the financing company that owns the system can still claim the commercial Section 48E credit and pass roughly 30% of that value through as a lower price or payment, generally through about 2027. That's a price benefit baked into the plan — not a credit on your tax return. Any Los Angeles proposal still showing you a 30% homeowner credit is your cue to keep shopping.