FPL's 2026 residential rate is now roughly 15¢/kWh — meaning a typical 1,000 kWh Miami-Dade household pays $136–$150 a month before summer AC loads push that higher. With 5.2 peak sun hours per day, solar cuts directly into that recurring cost.
Use the calculator below to see your personalized payback period, 25-year savings, and how Miami-Dade's PACE financing options could make going solar a zero-out-of-pocket decision.
Florida Power & Light serves Miami-Dade County, and residential customers from Miami to Kendall to Homestead pay roughly 14.2 cents per kilowatt-hour. Using Miami as the reference point, the county delivers about 4.4 effective peak sun hours per day, a figure that already subtracts the losses every real system has, including inverter conversion, high ambient heat, wiring resistance and salt and dust on the panels. Miami-Dade has the strictest wind-load and product-approval requirements in the state, so expect permitting and mounting hardware to add cost compared with inland counties, and hire an installer who works in this jurisdiction regularly. Because FPL rates move with fuel recovery, take your latest bill, divide the total by the kilowatt-hours used, and enter that rate in the calculator below.
DISCLAIMER: All estimates are approximations based on regional averages. Actual savings vary by location, roof orientation, utility provider, and installer. This calculator does not guarantee specific savings.
Find out how much you can save based on your location and current energy usage.
Miami-Dade isn't just hot — it's consistently hot, which translates to year-round AC demand and predictable FPL bills that solar directly displaces. Unlike northern Florida counties where heating costs vary by season, Miami-Dade's load profile is almost entirely cooling-driven, meaning your solar production and your electricity consumption peak at the same time of day.
Miami-Dade's subtropical climate means air conditioning runs essentially 365 days a year. At FPL's 2026 rate of ~15¢/kWh, households averaging 1,200–1,500 kWh per month — common in the county — face bills of $170–$225 before any solar offset. A properly-sized system can eliminate 80–100% of that recurring cost.
FPL's tiered rate structure also means the kWh you displace through solar are among the highest-cost kWh on your bill, improving your effective savings rate beyond the base 15¢ figure.
Miami-Dade sits in one of the highest-risk hurricane corridors in the continental U.S. FPL outages following major storms can last days to weeks. Pairing solar with a battery system (Tesla Powerwall, Enphase IQ Battery, or similar) keeps critical loads — refrigeration, medical equipment, communications — running even when the grid is down.
Post-storm demand also spikes utility rates temporarily. A battery-backed solar home is insulated from both the outage and the recovery-period rate surges.
Homeowners in the Clean Energy Green Corridor District — which covers Coral Gables, Cutler Bay, the City of Miami, Miami Shores, South Miami, Pinecrest, Palmetto Bay, and unincorporated Miami-Dade — can finance solar through Ygrene's PACE program.
Unlike a traditional home-improvement loan, PACE repayment is attached to your property tax assessment rather than your personal credit. This means no upfront cost, no monthly loan payment separate from your tax bill, and the obligation transfers to the next owner if you sell — though buyers' lenders must consent to the existing assessment.
Ygrene PACE is available at ygrene.com. Confirm your property is within an eligible district before applying.
In 2026, the Miami-Dade County Tax Collector's Office partnered with Ygrene to combat a rise in contractor fraud tied to PACE-financed solar jobs. Before signing any PACE agreement:
Report suspected PACE fraud to the Miami-Dade Tax Collector's Consumer Affairs Division or file a complaint with the Florida Department of Agriculture and Consumer Services.
Florida has no state income tax credit, but it offers powerful property and sales tax exemptions for solar installations that significantly improve your ROI.
100% exemption from increased property taxes. Adding solar increases your home's value, but Florida law prevents that added value from increasing your property tax bill.
FL Dept of Revenue6-7.5% savings on equipment. Solar energy systems are completely exempt from Florida's sales and use tax, saving you thousands upfront on the purchase price.
Florida Solar Energy CenterNote: These exemptions apply to purchased or financed systems. Leased systems (PPAs) do not qualify for these specific homeowner tax exemptions.
Following the Florida PSC-approved 2026–2029 rate settlement, FPL's all-in residential rate is approximately 15 cents per kWh. A typical Miami-Dade household using around 1,000 kWh per month can expect a bill between $136 and $150. High year-round AC usage pushes many homes well above that baseline, making the economics of solar especially compelling here.
With 5.2 peak sun hours per day and FPL's 2026 rates, most Miami-Dade homeowners can expect typically tens of thousands of dollars in lifetime savings, varying significantly by system size, electricity usage, and financing. The strong solar resource combined with consistent AC-driven electricity demand delivers some of the best solar ROI in the state. Important: the 30% federal residential solar tax credit (Section 25D) expired December 31, 2025 and is not available for systems installed in 2026 — older online estimates that include this credit will overstate savings.
Property Assessed Clean Energy (PACE) financing lets eligible Miami-Dade homeowners fund solar through Ygrene. Repayment is added to your property tax bill rather than treated as a personal loan. The Clean Energy Green Corridor District covers Coral Gables, Cutler Bay, the City of Miami, Miami Shores, South Miami, Pinecrest, Palmetto Bay, and unincorporated Miami-Dade.
In 2026, the Miami-Dade County Tax Collector's Office partnered with Ygrene to combat contractor fraud in PACE-financed solar jobs. Before signing any PACE contract, verify the installer holds a current Florida EC or CVC license, check reviews on the FSLC contractor directory, and confirm that the quoted scope of work matches the project registration in Ygrene's portal. Never pay a deposit before permits are pulled.
Most Miami-Dade homeowners who pay cash or finance their system recover their investment in roughly 7–9 years. After that, the system generates essentially free electricity through its 25+ year lifespan — while Florida's property-tax exemption means the added home value costs you nothing extra in taxes. One important caveat: the 30% federal residential solar tax credit (Section 25D) expired December 31, 2025 and is not available for systems installed in 2026. Many payback calculators and older online estimates still factor in this credit, which meaningfully understates the true payback period for 2026 installations. Be sure any quote you receive reflects current incentive law.