By: Abrar Rushnaiwala aka Rush, Co-Founder of Maintown Solar

A New Chapter for Solar in Illinois

The beginning of 2025 brought a significant shift to Illinois’ clean energy landscape with the implementation of Net Metering 2.0 (NEM 2.0). For many homeowners, this change has sparked questions, confusion, and concerns—chief among them: “Is solar still worth it under NEM 2.0?” As someone who has spent years helping Illinois families transition to solar, I believe it’s important to address this question with honesty and clarity.

The Shift from Full Retail to Supply-Only Credits

Prior to 2025, Illinois followed a full retail net metering model. This meant that when a homeowner’s solar system produced excess electricity, the utility credited them at the full retail rate, including the energy supply, delivery charges, taxes, and fees. This structure made going solar a clear financial benefit. However, starting January 1, 2025, newly installed systems now fall under NEM 2.0, where homeowners are only credited for the supply portion of their electricity bill. Delivery charges and other fixed fees are no longer included in solar credits. While this change may extend the payback period slightly, it does not diminish the financial or long-term value of solar. Instead, it encourages a more comprehensive evaluation of the true benefits of solar energy.

Rising Utility Rates: A Stronger Case for Solar

As electricity prices continue to climb, the shift toward solar energy is becoming increasingly important. In 2024 alone, major rate increases were approved—$606 million for ComEd and $309 million for Ameren—highlighting a broader trend across the Midwest, where utility rates are rising by an average of 2.3% annually. With inflation adding further pressure, homeowners and businesses are looking for more stable solutions. Solar provides an option that offers financial predictability, energy independence, and peace of mind in an uncertain energy landscape.

Illinois Still Leads with Incentives and Support

Illinois continues to offer a supportive environment for solar adoption through several impactful programs and incentives. The Distributed Generation (DG) Rebate offers homeowners $300 or more per kilowatt (kW) of system capacity when they install a smart inverter, potentially yielding significant savings. The Illinois Shines Program remains a leader in the country by providing ongoing incentives for producing clean energy. On top of that, the federal Investment Tax Credit (ITC) allows homeowners to deduct 30% of their system cost from their federal taxes, amounting to savings of $5,000 to $10,000 or more. For those concerned about upfront costs, Power Purchase Agreements (PPAs) allow homeowners to install solar panels with no initial investment and simply pay for the electricity they use, typically 20–30% lower than utility rates.

More Than Savings: The Value of Energy Independence

Beyond financial considerations, going solar represents energy independence. It means being less reliant on a utility company and more in control of your household expenses. It also contributes to a cleaner and more decentralized energy grid, and often adds value to your property. Homeowners who adopt solar today are not only protecting their own future—they’re helping shape a more sustainable one for everyone.

Debunking Common Solar Myths

Of course, there are still common concerns that I hear often. “Will I still save money with NEM 2.0?” Yes, although savings may be slightly lower than under NEM 1.0, they’re still considerable and sustained over time. “Is it too late to go solar?” It’s not too late. With rising rates and strong incentives still in place, now is actually a reasonable time to make the switch. “Is solar only for wealthy homeowners?” Not anymore. Thanks to PPAs, rebates, and tax credits, solar is now more accessible for many middle- and modest-income families.

The Bottom Line: Own It or Pay for Someone Else’s

Here’s something most people overlook: if you’re not paying for solar on your own roof, you’re likely paying for it on someone else’s. Utility companies are investing heavily in renewables, and when they build solar infrastructure, you pay them for it, at the rates they choose. When you own your own solar system, you retain the value yourself.

A Smart Investment, Now More Than Ever

So while the net metering structure has changed, the opportunity solar presents has not disappeared. In fact, with utility costs rising and Illinois continuing to lead in green energy support, the case for solar may be stronger than ever. If you’re a homeowner in Illinois who hasn’t looked into your solar options under NEM 2.0, now is a great time to explore them. Solar continues to be a sound investment—but as with all good investments, it requires timing, understanding, and the right guidance.

Abrar Rushnaiwala, also known as Rush, is the Co-Founder of Maintown Solar, a nationwide solar dealer and development firm serving homeowners and commercial clients throughout Illinois and across the Nation. He has helped hundreds of families take control of their energy future. Learn more at www.maintown.solar.