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The "City of Presidents" with ~101,000 residents, South Shore's gateway to Boston, and a mix of urban density and coastal neighborhoods. Eversource territory at $0.2836/kWh. SMART 3.0 + ConnectedSolutions make Quincy a strong solar market.
Eversource territory • SMART 3.0 • ConnectedSolutions eligible • South Shore gateway
2026 Reality: The 30% federal tax credit (Section 25D) expired for homeowners December 31, 2025. All costs in this guide reflect $0 federal credit. Full details
A 10 kW solar system in Quincy costs $30,500-$34,000 in 2026. In Eversource territory at $0.2836/kWh, with SMART income of ~$360/yr and full retail net metering, the investment pays for itself in 7.5-9 years and generates ~$105,000 in savings over 25 years.
Cost Range
$3.05-$3.4/W
Fully installed
Avg System
10 kW
Quincy average
Payback
7.5-9 yrs
Cash purchase
25-Year Savings
~$105K
Estimated total value
Quincy is the eighth-largest city in Massachusetts with ~101,000 residents. Known as the City of Presidents (birthplace of John Adams and John Quincy Adams), it serves as the gateway between Boston and the South Shore. Its diverse neighborhoods range from dense urban areas to coastal communities.
Population
~101,000
Median Home Value
~$530,000
Primary Utility
Eversource
Electric Rate
$0.2836/kWh
Typical System Size
8-13 kW
Solar Irradiance
4.2 kWh/m²/day
Costs for different system sizes in Quincy at $3.05-3.40/W. Quincy homes range from condos (6-8 kW) to larger single-family homes in West Quincy (13-16 kW).
| System Size | Low Cost | High Cost | SMART 3.0 | Best For |
|---|---|---|---|---|
| 6 kW | $18,300 | $20,400 | ~$216/yr | Condo / small apartment |
| 8 kW | $24,400 | $27,200 | ~$288/yr | Mid-size cape or ranch |
| 10 kW | $30,500 | $34,000 | ~$360/yr | Typical Quincy single-family |
| 13 kW | $39,650 | $44,200 | ~$468/yr | Large home / EV + battery |
| 16 kW | $48,800 | $54,400 | ~$576/yr | High usage / multi-zone HVAC |
Prices include equipment, labor, permits, and grid interconnection. No federal tax credit included (expired). $1,000 MA state tax credit not deducted.
Quincy's neighborhoods range from dense urban areas near the T to coastal communities along the harbor. Here is how solar conditions vary across the city.
Home Types
Ranches, capes, colonials
Avg System
9-12 kW
Residential neighborhoods with good lot sizes and south-facing roof potential. Many post-war homes with simple roof lines that are ideal for solar. Strong adoption rates.
Home Types
Colonials, Victorians, bungalows
Avg System
9-11 kW
Established residential area near Wollaston Beach. Mix of older and renovated homes. Some mature tree canopy but generally good solar access. Coastal proximity is not an issue for modern panels.
Home Types
Multi-family, condos, triple-deckers
Avg System
7-9 kW
Denser urban areas with significant multi-family housing and new condo development. Triple-deckers can install solar with shared benefits. Some buildings better suited for community solar.
Home Types
Ranches, capes, waterfront condos
Avg System
8-11 kW
Coastal neighborhood with excellent sun exposure due to fewer tall buildings and trees. Salt air is not a concern for modern panel frames and racking. Waterfront homes benefit from unobstructed solar access.
Quincy has significant coastline along Quincy Bay and the Boston Harbor. Coastal neighborhoods like Squantum, Marina Bay, Houghs Neck, and Wollaston Beach are fully suitable for solar. Modern panels use anodized aluminum frames and stainless steel hardware designed for marine environments. Most panel warranties (25 years) cover coastal installations without restrictions.
Salt spray
Not a concern for modern panels
Wind loads
Engineered racking handles coastal wind
Sun exposure
Often better -- fewer tall trees near coast
Quincy's Building Department handles solar permits. The process typically takes 2-4 weeks. Some coastal neighborhoods may require additional review for flood zone compliance.
Installer evaluates roof condition, shading, orientation, and structure. Coastal properties assessed for wind load requirements.
Application to Quincy Building Department with electrical and structural plans. Flood zone properties may need additional documentation.
Typical installation 1-3 days. Electrical and building inspection by the City of Quincy.
Eversource approves grid connection. 2-4 weeks. Net metering activated once approved.
Massachusetts offers one of the strongest solar incentive packages in the country. Here is what Quincy homeowners can stack.
$0.03/kWh for all electricity produced for 20 years. A 10 kW system generates ~$360/yr in SMART income.
~$360/yr
~$6,840 over 20 years
1:1 credit at full retail rate of $0.2836/kWh. Credits roll over monthly and true up in April.
~$3,403/yr
Annual electricity savings (10 kW)
Eversource demand response. Earn $275/kW summer + $50/kW winter for discharging your battery during peak events.
$3,250/yr
Typical 10 kW battery
15% of system cost, capped at $1,000. Claimed on your MA state tax return.
$1,000
One-time credit
Solar systems are exempt from the 6.25% MA sales tax. Immediate savings at purchase.
~$2,016
Savings on typical system
Solar-added value is exempt from property tax for 20 years.
~$345/yr
20-year exemption (~$6,900 total)
Section 25D (the 30% residential solar tax credit) expired December 31, 2025 under the OBBBA. Quincy homeowners buying cash or loan receive $0 in federal credit. However, third-party system owners (PPA/lease) can still claim the commercial Section 48/48E ITC -- which translates to lower PPA rates for you.
Read: What happened to the solar tax creditThree ways to pay for solar in Quincy. PPAs offer $0 down because the third-party system owner claims the commercial Section 48 ITC.
Upfront
~$30,500-$34,000
Monthly
$0
25-yr Savings
~$105K
Ownership
You own it
Best long-term ROI. 7.5-9 year payback. Full SMART income + net metering yours.
Upfront
$0 down
Monthly
~$210-290/mo (5.5-8% APR)
25-yr Savings
~$65-85K
Ownership
You own it
10-25 year terms through local lenders. SMART income + net metering offset monthly payments.
Upfront
$0
Monthly
Fixed ~$0.14-0.18/kWh
25-yr Savings
~$30-45K
Ownership
Third party owns
Third-party owner claims Section 48 ITC. You buy power at a discount. Immediate savings.
How Quincy solar costs compare to South Shore and Greater Boston neighbors.
| City/Town | Cost/W | Avg System | Utility | Notes |
|---|---|---|---|---|
| Quincy | $3.05-3.40 | 10 kW | Eversource | South Shore gateway, coastal areas, diverse housing |
| Braintree | $3.00-3.35 | 11.5 kW | BELD (Muni) | Municipal electric, NO SMART/ConnectedSolutions |
| Milton | $3.10-3.45 | 12 kW | Eversource | Affluent suburb, larger homes |
| Weymouth | $3.00-3.35 | 10 kW | Eversource | Similar South Shore market |
| Boston (Dorchester) | $3.10-3.50 | 8 kW | Eversource | Dense, smaller systems, higher costs |
Solar panels in Quincy cost $3.05-3.40 per watt installed in 2026. A typical 10 kW system costs $30,500-$34,000 before MA state incentives. The federal Section 25D residential tax credit expired December 31, 2025 -- homeowners receive $0 in federal credit. Massachusetts state incentives (SMART 3.0, net metering, state tax credit, and tax exemptions) still make solar profitable in Quincy.
Modern solar panels and racking systems are designed to withstand coastal conditions. Quincy neighborhoods like Squantum, Marina Bay, and Wollaston Beach are fully suitable for solar. Panel frames are anodized aluminum, and mounting hardware is stainless steel or galvanized. Most manufacturers offer 25-year warranties that cover coastal installations. In fact, coastal areas often have less tree canopy and more unobstructed sun exposure.
SMART 3.0 (Solar Massachusetts Renewable Target) pays solar system owners $0.03/kWh for all electricity produced, locked in for 20 years. A 10 kW system in Quincy generates approximately $360/year in SMART income, totaling roughly $6,840 over the program duration. Low-income households qualify for $0.06/kWh (double rate). Battery storage adds $0.04/kWh on top.
Yes. Quincy has substantial multi-family and condo housing, especially in Quincy Center and North Quincy. Condo associations can vote to install solar on shared roof space, with costs and benefits split among unit owners. For triple-deckers (common in Quincy), the building owner can install solar and allocate credits. For buildings where rooftop solar is not feasible, community solar is an excellent alternative -- subscribe to a local solar farm for 10-20% bill savings.
Yes. Quincy has slightly longer payback (7.5-9 years) than some inner-ring suburbs because average system sizes are slightly smaller at 10 kW. However, the high Eversource rate ($0.2836/kWh), SMART 3.0 income, and 1:1 net metering still make solar a strong investment. Over 25 years, a typical system saves approximately $105,000.
We will assess your specific roof, neighborhood, coastal factors, and Eversource rate to show you exactly what solar costs and saves for your Quincy home -- including SMART 3.0 and ConnectedSolutions.
Complete guide to solar in Massachusetts.
Read moreStatewide solar costs and city-by-city breakdown.
Read more$0.03/kWh for 20 years. How to enroll and earn.
Read moreEarn $225-$1,500/yr per battery.
Read moreMunicipal electric neighbor. Different incentives.
Read moreCity of Boston solar guide. $3.10-3.50/W.
Read more25D expired. What options remain.
Read moreCompare utility rates, net metering, and solar economics.
Read moreTrack rate changes across MA utilities since 2020.
Read moreLive installation data, capacity trends, and market stats.
Read moreCurrent wait times, bottlenecks, and how to get connected faster.
Read morePricing: EnergySage Solar Marketplace (January 2026), NuWatt Energy South Shore installations.
Utility rates: Eversource residential rate schedule RS, effective February 2026.
SMART 3.0: MassDOER / MassCEC, SMART program guidelines PY2026.
ConnectedSolutions: Eversource demand response program rates, 2026 season.
Tax exemptions: MA Department of Revenue, Quincy Assessor data.