Solar Panels in Plano, TX: 2026 Cost, Oncor delivery Net Metering & Savings

Plano and the bill

Plano addresses are typically Oncor delivery plus a retail provider. HOA design rules are more often the gating item than the utility territory. Plano is a planned-suburb solar market. Roofs are newer, lots are lighter on shade, and associations often have a written process. That process is not the same as a ban. It does add weeks. The electricity contract is still a short retail plan sitting under a long-lived array. Model the buyback as temporary unless the plan says otherwise. The 2025 EIA residential average for Texas was 15.40 cents per kWh. That statewide figure is what our calculator uses. It is not the Oncor delivery tariff. A rounded solar resource for this metro is about 5.0 peak sun hours a day.

Export credits and any SREC or REC

Plano is in competitive ERCOT territory for a typical address: Oncor delivery delivers the power, and a retail electric provider sells it. Any solar buyback is a term of that retail plan. It can end when the plan ends. That is not classic net metering, and it is not a 25-year assumption. Austin, San Antonio, and El Paso do not fit this sentence. This page does not quote a buyback cent. Ask the retailer, in writing, what they pay and for how many months.

Roofs, climate, permits, and HOAs

Two-story production homes with limited south roof are common. West planes matter if the retailer pays more late in the day, which many do not. The layout should follow the roof you have, not a brochure south array that does not fit. A Plano permit comes from the local building department, not from Oncor delivery. An HOA can add its own review. This page does not quote a TX permit fee or an approval, because both depend on the address. Start the HOA packet when you start the bids, not after you pick a company. Ask whether the association wants a specific placement. Get the retail buyback in the same PDF as the cash price.

Estimated cost range

Estimated cost range for Plano, labeled as an estimate and not a local quote: Berkeley Lab's August 2026 update put 2025 host-owned residential systems at about $3.60 per watt before incentives, about $3.00 per watt in the cash subset, and about $4.50 per watt in the loan subset. The median size in that set was 7.7 kW. Plano is about 5.0 peak sun hours a day, against about 5.3 statewide. The federal residential credit under 26 U.S.C. § 25D ended for systems placed in service after December 31, 2025. The IRS treats that expenditure as made when the original installation is completed.

• Cash

  $3.00/W

  $23,100

  Subset classified as cash

• Middle published case

  $3.60/W

  $27,720

  All host-owned systems

• Loan

  $4.50/W

  $34,650

  Financed subset, before interest

Before incentives. A loan price here excludes interest. The federal residential credit under section 25D ended for systems placed in service after December 31, 2025. Berkeley Lab, U.S. Distributed Solar and Storage, August 2026 data update.