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Cherry Hill is one of NJ's best suburban communities for solar. Spacious homes with excellent roofs accommodate 8-10 kW systems starting at $25,600. No federal 25D tax credit in 2026 -- but NJ's strong state incentives keep solar profitable. Section 48E PPA/lease deadline: July 4, 2026.
2026 Reality: The 30% federal tax credit (Section 25D) expired for homeowners December 31, 2025. All costs reflect $0 federal credit. PPA/lease via Section 48E offers $0-down solar -- but only until July 4, 2026. NJ incentives after the ITC
An 8-10 kW solar system in Cherry Hill costs $25,600--$38,000 in 2026. In PSE&G territory at $0.26/kWh, with ADI income of ~$600/yr and full retail net metering, the investment pays for itself in 9--11 years and generates ~$85,000 in savings over 25 years.
Cost Range
$3.2--$3.8/W
Fully installed
Payback
9--11 yrs
Cash purchase
ADI/SuSI
~$600/yr
Annual income
PSE&G Rate
$0.26
Per kWh
Cherry Hill is an affluent suburban community in Camden County with ~73,000 residents. Large single-family homes with good sun exposure make it an ideal candidate for residential solar.
Population
~73,000
Median Home Value
~$350,000
Primary Utility
PSE&G
Solar Irradiance
4.7 kWh/m²/day
Typical System Size
8-10 kW
Typical Roof Type
Asphalt shingle
Costs for different system sizes in Cherry Hill at $3.20-3.80/W. Large suburban homes typically accommodate 8-10 kW systems or larger.
| System Size | Panels | Low Cost | High Cost | ADI/SuSI | Best For |
|---|---|---|---|---|---|
| 6 kW | 13-14 | $19,200 | $22,800 | ~$410/yr | Townhouse / smaller home |
| 8 kW | 18-19 | $25,600 | $30,400 | ~$550/yr | Average Cherry Hill home |
| 9 kW | 20-21 | $28,800 | $34,200 | ~$620/yr | Typical suburban |
| 10 kW | 22-23 | $32,000 | $38,000 | ~$685/yr | Large home / pool / EV |
| 13 kW | 29-30 | $41,600 | $49,400 | ~$895/yr | High usage estate |
All costs are pre-incentive. Federal 25D ITC = $0. ADI calculated at $85.90/MWh (EY2025-26). Production estimated at ~1,300 kWh/kW/year in Cherry Hill.
The homeowner solar tax credit (Section 25D) is dead. But there is still one federal pathway -- Section 48/48E -- and it expires for projects that do not begin construction by July 4, 2026.
You sign a PPA or lease agreement with a solar financing company
The financing company owns the panels on your Cherry Hill roof
They claim the 30% Section 48/48E commercial ITC on their taxes
They pass the savings to you as a below-retail electricity rate
You pay ~$0.14-$0.18/kWh vs. PSE&G's $0.26/kWh -- day 1 savings
Before July 4, 2026
PPA/lease companies claim the 30% ITC, offering you rates of $0.14-$0.18/kWh. With domestic content bonuses (FEOC panels), the credit can reach 40%.
After July 4, 2026
No federal credit for anyone. PPA/lease rates will increase to $0.20-$0.24/kWh or higher. The $0-down value proposition weakens significantly.
Both options require signing before July 4, 2026 to benefit from Section 48E pricing. Complete NJ lease/PPA guide
The federal homeowner credit is gone, but NJ still has the strongest state solar incentive stack in the country. Here is what Cherry Hill homeowners can access right now.
~$600/yr for 15 years
~$9,000 lifetime
NJ's Administratively Determined Incentive (ADI) program pays $85.90 per MWh of solar production for 15 years. A 9 kW system in Cherry Hill earns approximately $600 per year.
~$2,700/yr savings
~$67,500 over 25 years
PSE&G credits excess solar at the full retail rate of $0.26/kWh. Credits roll over monthly and true up annually. Systems up to 25 kW eligible.
100% exempt
Lifetime of system
NJ exempts 100% of solar-added home value from property taxes. In Cherry Hill, where property taxes average $8,500/year, this prevents your assessment from increasing due to solar.
6.625% exempt
~$2,080 saved on purchase
Solar energy systems are exempt from NJ's 6.625% sales tax. On a typical 9 kW system in Cherry Hill, that saves approximately $2,080 at purchase.
30% ITC for system owner
Lower PPA/lease rate for you
Third-party system owners (PPA/lease companies) can claim the 30% commercial ITC on projects beginning construction before July 4, 2026. This savings is passed to you as a below-retail electricity rate.
NJ's ADI program (part of SuSI) pays $85.90/MWh for 15 years. With Cherry Hill's solar irradiance of 4.7 kWh/m²/day, here is what each system size earns. This income is on top of your electricity savings.
| System Size | Annual Production | Annual ADI | Monthly ADI | 15-Year Total |
|---|---|---|---|---|
| 6 kW | 7,800 kWh | $670 | $56 | $10,050 |
| 8 kW | 10,400 kWh | $893 | $74 | $13,400 |
| 9 kW | 11,700 kWh | $1,005 | $84 | $15,075 |
| 10 kW | 13,000 kWh | $1,117 | $93 | $16,755 |
| 13 kW | 16,900 kWh | $1,452 | $121 | $21,780 |
Annual ADI (9 kW)
~$1,005
$85.90/MWh x ~11.7 MWh
15-Year ADI Total
~$15,075
Guaranteed program income
Annual Production (9 kW)
~11,700 kWh
~4.7 peak sun hours/day
Note: The current ADI rate is $85.90/MWh (EY2025-26). A 10% automatic decrease is scheduled for March 13, 2026, but the NJ BPU may intervene. ADI income is available only for owned systems (cash/loan) -- PPA/lease companies keep the ADI income in exchange for lower rates. ADI program details
PSE&G credits excess solar at the full retail rate of $0.26/kWh. Credits roll over monthly and true up annually at avoided-cost rate.
~$2,700/yr
Annual electricity savings (9 kW)
Cherry Hill averages ~$8,500/yr in property taxes. NJ exempts 100% of solar-added value from property taxes for the system lifetime.
Up to $31,500 of added home value exempt
Lifetime system exemption
NJ exempts solar energy systems from the 6.625% state sales tax. Immediate savings at purchase.
~$2,080
Savings on typical system
Four ways to pay for solar in Cherry Hill. PPAs and leases offer $0 down because the third-party system owner claims the commercial Section 48/48E ITC -- but only until July 4, 2026.
| Method | Upfront | Monthly | Federal Credit | ADI Income | 25-yr Savings | Payback |
|---|---|---|---|---|---|---|
| Cash Purchase | ~$28,800-$34,200 | $0 | $0 (25D expired) | You keep 100% | ~$85,000 | ~9-11 years |
| Solar Loan | $0 down | ~$220-300/mo | $0 (25D expired) | You keep 100% | ~$55,000-68,000 | ~11-14 years |
| Solar PPA (Section 48E) | $0 | ~$0.14-0.18/kWh | 30% claimed by system owner | Kept by system owner | ~$28,000-38,000 | Day 1 savings |
| Solar Lease (Section 48E) | $0 | ~$110-155/mo | 30% claimed by system owner | Kept by system owner | ~$22,000-32,000 | Day 1 savings |
Section 25D (the 30% residential solar tax credit) expired December 31, 2025 under the OBBBA. Cherry Hill 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. This pathway expires July 4, 2026.
Read: NJ solar incentives that replaced the ITCCherry Hill has many developments with HOAs. Here is what you need to know before installing solar.
HOAs CANNOT ban solar installations
Aesthetic restrictions must be reasonable
Law protects homeowners in all NJ communities
Notify your HOA before installing -- approval not required
Cherry Hill combines spacious suburban roofs with NJ's strong solar incentives. Plus, it is just across the river from Philadelphia but benefits from NJ's significantly stronger solar market.
Large suburban roofs: easily fit 8-10+ kW systems
Good sun exposure with 4.7 kWh/m²/day solar irradiance
Single-family homes with excellent roof access
NJ incentives significantly stronger than PA across the river
Excellent tree canopy -- may need trimming for some installations
Solar Access Law protects against HOA restrictions
Despite being separated only by the Delaware River, solar incentives differ dramatically.
Estimate your costs, ADI income, and payback period based on your Cherry Hill home. Select your utility and financing method below.
Estimate your solar return on investment with SREC-II income, net metering credits, and NJ tax exemptions.
Federal Residential Solar Tax Credit (Section 25D) Expired
Homeowners who purchase solar with cash or a loan receive $0 in federal tax credits. Section 25D expired December 31, 2025.
Northern and central NJ (largest utility)
Electric Rate
$0.26/kWh
Net Metering
1:1 retail credit
SREC-II Rate
$85.90/MWh
Interconnection
2-4 weeks typical
NJ has the highest property taxes in the US
Payback Period
6.1
years
25-Year Savings
$118,441
total
Monthly Benefit
$486
per month
Estimates based on average 2026 NJ solar pricing, ADI rate of $85.90/MWh (EY2025-26), 1:1 retail net metering, 6.625% sales tax exemption, and 100% property tax exemption. Section 25D residential ITC expired Dec 31, 2025 — $0 federal tax credit for cash/loan purchases.
How Cherry Hill solar costs compare to nearby South and Central Jersey communities.
While most Cherry Hill homes are excellent rooftop solar candidates, community solar is an option for those who prefer no installation or have heavily shaded roofs.
Savings
10-20%
On electricity bill
Upfront Cost
$0
No installation
Contract
Flexible
Cancel anytime
Roof conditions and shading vary by neighborhood. Here is a general guide to the most solar-friendly areas.
Modern roofs, fewer mature trees, good south-facing orientation.
Large homes with good roofs. Mature trees may need trimming.
Dense tree cover may limit production. Shade analysis recommended.
Limited roof area, HOA rules. Community solar may be a better fit.
Solar panels in Cherry Hill cost $3.20-3.80 per watt installed in 2026. For a typical 8-10 kW system on a suburban home, that means $25,600-$38,000 before NJ state incentives. The 30% federal Section 25D residential tax credit expired December 31, 2025 -- all figures reflect $0 federal credit for homeowners.
Not directly for homeowners. The residential Section 25D credit expired. However, if you go solar through a PPA or lease before July 4, 2026, the third-party system owner can claim the 30% commercial ITC under Section 48/48E. This benefit is passed to you as a lower electricity rate -- typically $0.14-$0.18/kWh vs. PSE&G's $0.26/kWh. After July 4, 2026, even this pathway disappears.
No. New Jersey's Solar Access Law (N.J.S.A. 45:22A-48.2) prohibits HOAs and condominium associations from unreasonably restricting solar panel installations. Many Cherry Hill developments have HOAs, but they cannot ban solar outright. They may impose reasonable aesthetic requirements (placement, color) but cannot effectively prevent you from installing panels.
Cherry Hill is primarily served by PSE&G. PSE&G offers 1:1 retail-rate net metering ($0.26/kWh) for residential systems up to 25 kW. Excess generation credits roll over monthly and are trued up annually at the avoided-cost rate. PSE&G interconnection approval typically takes 2-4 weeks after installation.
The ADI (Administratively Determined Incentive) program pays $85.90 per MWh of solar production for 15 years. A 9 kW system in Cherry Hill produces approximately 11,700 kWh/year (11.7 MWh), earning about $1,005 per year in ADI income -- or roughly $15,075 over the 15-year program. This is paid on top of your electricity savings and makes a significant impact on payback calculations.
Section 48E allows PPA and lease companies to claim a 30% federal tax credit, which they pass to you as a lower electricity rate. This provision expires for projects that do not begin construction by July 4, 2026. After that date, PPA and lease rates will increase significantly because the financing company loses the 30% credit. If you are considering a $0-down solar option in Cherry Hill, signing before this deadline is critical.
Without the 25D federal credit, solar payback in Cherry Hill is approximately 9-11 years for a cash purchase. This accounts for PSE&G net metering at $0.26/kWh, ADI income of ~$1,005/year (9 kW system), NJ sales tax exemption saving ~$2,080, and the property tax exemption. Over 25 years, a typical system saves approximately $85,000.
Cherry Hill benefits from New Jersey's significantly stronger solar incentive structure compared to Pennsylvania. NJ offers the ADI/SuSI program ($85.90/MWh for 15 years), 1:1 retail net metering, a 6.625% sales tax exemption, and a 100% property tax exemption. PA has weaker SREC markets and no comparable property tax protection. Despite being just across the Delaware River, Cherry Hill homeowners see faster payback.
We will assess your specific roof, orientation, tree coverage, and PSE&G rate to show you exactly what solar costs and saves for your Cherry Hill home.
Section 48E PPA/lease deadline: July 4, 2026. Act soon for the best $0-down rates.
Complete hub for NJ solar, heat pumps, and utility resources.
Read moreComplete guide to going solar in New Jersey.
Read moreStatewide solar costs and city-by-city breakdown.
Read moreWhat replaced the federal tax credit for NJ homeowners.
Read moreHow the commercial ITC helps homeowners via PPA/lease.
Read more$85.90/MWh for 15 years. How to register and earn.
Read more1:1 retail credit. Lock in before potential changes.
Read morePost-ITC financing comparison for NJ homeowners.
Read more6.625% sales tax + 100% property tax exempt.
Read more$0-down options and Section 48E deadline details.
Read moreAlternative for shaded roofs or renters.
Read moreHow NJ solar works without Section 25D.
Read morePricing: EnergySage Solar Marketplace (January 2026), NuWatt Energy South Jersey installations.
Utility rates: PSE&G residential rate schedule, effective January 2026.
ADI/SuSI: NJ Board of Public Utilities, SuSI/ADI program guidelines (EY2025-26).
Tax exemptions: NJ Division of Taxation, Cherry Hill property tax assessor data.
HOA law: N.J.S.A. 45:22A-48.2 (Solar Access Act).
Section 48/48E: OBBBA (July 4, 2025), IRS Section 48E guidelines for clean electricity production.