Loveland prices by system size
A 5 kW array runs roughly $14,000–$16,250; a 7 kW array $19,600–$22,750; a 10 kW array $28,000–$32,500. There’s no federal homeowner credit on a purchased system anymore — §25D ended for systems completed after 2025 — and we haven’t found a city rebate to subtract.
What you do keep: solar equipment is exempt from Colorado state sales tax, and residential solar is generally exempt from property tax as personal property. Local sales tax is a separate question for Loveland; we show it on the quote.
Size to usage, not to the buyback
Loveland Water & Power pays for year-end leftover credits under its own buyback terms, and that kind of payout is typically worth less than retail power. The panels that cover your own use are the ones that earn the most. We size from 12 months of your LWP bills, then trim anything that would mostly produce buyback credits.
When Loveland solar may not pay off
Low-usage homes, heavily shaded lots near the river and roofs that need replacing within a few years are the common cases where we’d slow down. A lease or PPA — typically 20–30% below retail rates, about $125–$240 a month — can make sense if you want savings without upfront cost; verify current terms.
FAQ
Questions we hear
How much is a 7 kW solar system in Loveland?
About $19,600–$22,750 at our $2.80–$3.25 per watt, before any incentives. Roof complexity, panel upgrades and shading move it within or beyond that range.
Can I still get the 30% federal solar credit in Loveland?
Not on a system you buy. The §25D homeowner credit ended for installations completed after December 31, 2025. Lease and PPA owners can still claim §48E on systems placed in service by the end of 2027, which is why those offers can be priced lower.
Is solar cheaper on Loveland Water & Power than on Xcel?
The install cost is the same; the savings differ because the utilities’ rates and export credits differ. We model your actual LWP rate schedule rather than borrowing Xcel assumptions.
Do I need HOA approval for solar in Loveland?
If you have an HOA, usually yes — but Colorado law (C.R.S. 38-30-168) voids covenants that prohibit solar and limits restrictions to those adding no more than 10% to cost or cutting performance by no more than 10%.