Solar Panels in Swampscott, MA: Cost, Payback & Savings
A typical 5.2 kW home solar system in Swampscott costs about $17,680 and pays for itself in about 7.8 years, saving roughly $50,383 over 25 years at Massachusetts' average electricity price of 30.1¢/kWh.
Monthly solar production in Swampscott
Estimated output of a 5.2 kW south-facing roof system. May is the strongest month (774 kWh); Dec the weakest (358 kWh).
Solar production (kWh) Typical home use, 570 kWh/month
Solar payback calculator for Swampscott
Pre-filled with Swampscott's sunshine and Massachusetts' average electricity price. Enter your own bill and an installer's price per watt to see your payback.
Leave export credit blank where the utility offers full net metering. Where exports earn less, solar used at home as it's produced is worth the full price and the rest earns the export credit.
How Swampscott compares
- Each kW of panels here produces about 1,358 kWh a year — 5% more than the Massachusetts median and about the same as the US median city (1,371 kWh).
- Payback ranks #6 of 183 Massachusetts places we cover.
- Sunshine varies little across a state; electricity price, installed cost and how utilities credit exported power drive most of the difference between states.
Net metering, tax credits and incentives in 2026
Massachusetts offers net metering: power you send to the grid is credited at or near the retail price, so every solar kWh is valued at 30.1¢ here.
There is no federal tax credit for buying home solar installed in 2026. The 30% Residential Clean Energy Credit (Section 25D) ended for systems placed in service after December 31, 2025, so the costs and paybacks on this page include no federal credit.
Massachusetts and local utilities may still offer rebates, performance payments, property-tax or sales-tax exemptions. Search the DSIRE incentives database for Massachusetts and ask installers which programs they apply for you.
Frequently asked questions
Is solar worth it in Swampscott, MA?
For a typical home, a solar system pays for itself in about 7.8 years and then keeps saving money. Over 25 years the estimated net savings are $50,383. Verdict: strong investment. Your own payback depends on your roof, your bill and the quotes you get.
How many solar panels do I need in Swampscott, MA?
A home using 570 kWh a month (the Massachusetts average) needs about 13 panels of 400 W — a 5.2 kW system — to cover its annual use. Divide your own yearly kWh by 1,358 to get the kW you need.
How much do solar panels cost in Swampscott, MA?
At 3.40 dollars per watt, a 5.2 kW system costs about $17,680 before any state or utility incentives. There is no federal tax credit for systems installed in 2026.
How much sun does Swampscott get?
Swampscott averages 4.7 peak sun hours per day, so each kilowatt of panels produces about 1,358 kWh a year.
Does Massachusetts have net metering?
Yes. Power sent back to the grid is credited at or near the retail price (30.1¢ per kWh on average).
How much does electricity cost in Massachusetts?
Residential electricity in Massachusetts averages 30.1¢ per kWh, and a typical home uses 570 kWh a month (EIA).
Solar payback in nearby places
- Lynn8.2 yrs
- South Peabody8.0 yrs
- Salem7.9 yrs
- Marblehead7.8 yrs
- Peabody8.1 yrs
- Saugus8.1 yrs
- Beverly7.9 yrs
- Revere8.1 yrs