▸ Missouri Solar Incentives 2026

Missouri solar incentives in 2026, after the federal credit expired.

The federal residential solar tax credit (Section 25D) ended December 31, 2025 under the One Big Beautiful Bill Act. Here is what is still available to Missouri homeowners in 2026: the Solar Assure 25 percent Midas Wealth check, RSMo 386.890 net metering at the retail rate, RSMo 442.404 HOA protection, the Columbia Water and Light $500 per kilowatt rebate, and PACE financing in select cities and counties. Written by a licensed Missouri installer who reads the tariff filings personally.

Quick facts on Missouri solar incentives in 2026

Federal Residential ITC Expired Dec 31, 2025

Law That Ended It OBBBA, Public Law 119-21

25% Midas Wealth Check Active 2026

Missouri State Tax Credit $0 (none)

Property Tax Exemption Struck down 2022

CWL Columbia Rebate $500/kW active

Ameren / Liberty Rebates Ended 2023

Net Metering RSMo 386.890

Written by Joshua Hayeslip · Co-Founder, Solar Assure

Last updated April 25, 2026 ~13 min read

The short answer

What Missouri solar incentives are still available in 2026?

Missouri's main residential solar incentives in 2026 are the Solar Assure 25 percent Midas Wealth check (a third-party program using commercial tax credits), RSMo 386.890 net metering at the 1:1 retail rate, RSMo 442.404 HOA protection, the City of Columbia Utilities $500 per kilowatt rebate, and PACE financing in participating cities and counties. Missouri has no state solar tax credit and no enforceable property tax exemption.

The rest of this guide explains each incentive in detail: what it is, who qualifies, how to claim it, and what the change means for your solar payback math. We finish with a worked example for a typical 10 kilowatt Missouri install showing exactly how the 2026 numbers stack.

Most other websites listing Missouri solar incentives are out of date. Some still cite the 30 percent federal residential ITC as if it were available. It expired December 31, 2025. Some still list a Missouri property tax exemption for solar. The Missouri Supreme Court struck that down in August 2022 and the legislature has not restored it. We cover both points below with statute and case citations.

Federal context

The federal residential solar tax credit expired December 31, 2025.

Under the One Big Beautiful Bill Act, signed by President Trump on July 4, 2025, the 30 percent residential clean energy credit under Internal Revenue Code Section 25D ended for systems placed in service after December 31, 2025. There is no phase-down. The credit went from 30 percent to 0 percent on January 1, 2026 for systems purchased with cash or a loan.

Section 25D had originally been extended through 2032 under the Inflation Reduction Act of 2022. The OBBBA accelerated the expiration by nearly a decade. Congressional Research Service references the bill as Public Law 119-21 (H.R. 1, 119th Congress).

The OBBBA preserved the commercial Investment Tax Credit under Section 48E for projects that begin construction by July 4, 2026, with placement in service deadlines extending to 2027 and 2028 depending on project type. The commercial credit remains available to third-party owners of residential solar systems (solar leases and Power Purchase Agreements) because the leasing or PPA company owns the equipment and claims the commercial credit, not the homeowner.

Solar Assure does not sell leases or Power Purchase Agreements. We sell ownership systems, which deliver much better lifetime savings than leased systems for the typical Missouri homeowner. The 25 percent Midas Wealth check program (covered in the next section) is our way of preserving access to a federal-credit-derived benefit while retaining ownership.

Two further notes for Missouri homeowners who installed a system in 2025:

If your system was placed in service on or before December 31, 2025, you can still claim the 30 percent credit on your 2025 federal return (filed by April 15, 2026, or October 15 with extension) using IRS Form 5695.
Section 25D allows unlimited carryforward of unused credit. If your 2025 credit exceeds your 2025 federal tax liability, the unused portion rolls forward to 2026 and beyond and continues to offset future federal tax liability until used up.

The Section 25C Energy Efficient Home Improvement Credit (heat pumps, insulation, windows, doors) also expired on December 31, 2025 under the same legislation.

The 2026 replacement

The 25 percent Midas Wealth check is the primary 2026 incentive Solar Assure customers can qualify for.

The Midas Wealth 25 percent check program is a third-party financial program available to qualifying Solar Assure customers. After installation, Midas Wealth pays the homeowner 25 percent of the solar system cost as a check. The program uses commercial tax credits under Section 48E that remain available under federal law. The average qualifying customer receives a check of $4,800 or more.

Here is how the program works mechanically. Midas Wealth is a third-party financial partner that Solar Assure works with. Midas Wealth qualifies the homeowner during the proposal stage. After installation and Permission to Operate, Midas Wealth issues a check, made payable directly to the homeowner, for 25 percent of the system cost. The check arrives 4 to 8 weeks after the system is energized.

Three differences from the now-expired Section 25D residential credit:

It is not a tax credit. The 25 percent check is paid by Midas Wealth, not by the federal government. It does not appear on a federal tax return. The homeowner does not need any federal tax liability to receive the full benefit, which was a frequent constraint for retirees and low-AGI households under the old Section 25D rules.
The check is paid in cash, not as a tax-bill reduction. Section 25D required the homeowner to file IRS Form 5695, calculate the credit, and apply it against tax liability over potentially several years if the credit exceeded annual liability. The Midas Wealth check is a single payment that does not require multi-year tax planning.
Eligibility is determined by Midas Wealth, not by the IRS. Solar Assure can describe the program but does not make the qualification decision. Midas Wealth reviews each customer against its program criteria. Qualification is determined before installation begins, so the homeowner knows the projected check amount before signing a contract.

Solar Assure handles the program paperwork on behalf of customers we install for. The program is available across our Missouri and Kansas service area. Eligibility criteria are set and updated by Midas Wealth and may change. Joshua reviews program qualification with each customer during the free quote process at (636) 679-0998.

RSMo 386.890

Missouri net metering is a financial benefit, even if it is not technically an incentive.

Net metering pays you for excess solar production at the full retail electricity rate. Over a 25-year solar system life, this is typically the largest single financial benefit of going solar in Missouri, larger than the Midas Wealth check.

Under RSMo 386.890 (the Missouri Net Metering and Easy Connection Act, enacted August 28, 2007), every Missouri retail electric supplier (investor-owned utilities, municipal utilities, and rural electric cooperatives) must offer net metering for residential solar systems up to 100 kilowatts. The utility installs a bi-directional meter at no charge. RSMo 386.890 prohibits any application fee unique to net metering customers. For systems 10 kilowatts or smaller, the utility must complete the application review within 30 business days.

The way the credit works depends on your utility:

Ameren Missouri, Evergy Missouri, Liberty Utilities Missouri: excess production rolls forward as a kilowatt-hour credit on your bill at the full retail rate. At the 12-month anniversary, any remaining credits are paid out at the avoided fuel cost rate (significantly lower than retail).
Municipal utilities (Independence Power and Light, Columbia Water and Light, City Utilities of Springfield): the same 100 kW cap applies under state statute. Specific terms are set by each city council ordinance.
Rural electric cooperatives (Cuivre River, Three Rivers Electric, others): the statute applies, with specific implementation set by member-owned boards.

For a worked Missouri net metering example with utility-specific math, read our Missouri net metering law guide. We also have utility-specific guides for Ameren Missouri, Evergy Missouri, and Liberty Utilities Missouri.

RSMo 442.404

Missouri HOA solar protection: your HOA cannot ban your panels.

RSMo 442.404 (the Missouri Solar Access Law) prohibits homeowners associations from banning solar panels on residential property statewide. HOAs may enforce reasonable aesthetic restrictions (typical examples include preferred panel orientation or back-of-roof placement) but cannot prohibit a system entirely. The protection saves homeowners legal fees and removes the most common HOA-related obstacle to going solar.

Missouri's Solar Access Law applies to every HOA in the state regardless of when the deed restrictions were recorded. The statute trumps language in older covenants that might purport to ban solar. The protection is automatic; the homeowner does not need to apply for it.

HOAs retain the ability to set reasonable aesthetic standards. Examples that have held up under similar statutes in other states:

Requiring panels to be installed on roof slopes that face away from the street (as long as the alternate placement does not reduce annual production by more than 10 percent).
Requiring panels to match roof color where reasonable equipment is available.
Specifying that conduit must be painted to match the wall it crosses.
Requiring submission of plans to the architectural review committee before installation.

Examples that would not hold up:

Banning solar entirely.
Requiring all panels on the rear of the home if doing so reduces production noticeably.
Requiring approval that is unreasonably delayed (most jurisdictions have applied a 60-day reasonable response standard).

Solar Assure prepares the HOA submission packet for customers in deed-restricted communities and handles the architectural review correspondence on the homeowner's behalf. Joshua personally cites RSMo 442.404 in the cover letter when needed.

The honest section

Missouri's property tax exemption for solar is currently unenforceable.

Most websites listing Missouri solar incentives still claim a property tax exemption exists. They are wrong. The Missouri Supreme Court struck down the statutory exemption in 2022 and the legislature has not restored it.

Missouri Revised Statute 137.100(10) was added to the tax code in 2013 to exempt "solar energy systems not held for resale" from property taxation. The statute remained in effect for nine years and was relied on by both residential and utility-scale solar installations during that period.

August 9, 2022: The Missouri Supreme Court issued a unanimous decision in Johnson v. Springfield Solar 1, LLC, 648 S.W.3d 101 (Mo. banc 2022), holding that RSMo 137.100(10) is unconstitutional under Article X, Section 6 of the Missouri Constitution.

The constitution limits property tax exemptions to specifically enumerated property classes. Solar energy systems are not in that list. The legislature exceeded its constitutional authority when it created the exemption by statute.

The case involved a 4 megawatt solar facility in Greene County (the Springfield, Missouri area) that supplied energy to City Utilities of Springfield. Greene County assessed property taxes against the facility. Springfield Solar argued the system was exempt under RSMo 137.100(10). The Missouri Supreme Court held that the statutory exemption itself is invalid because the Missouri Constitution does not authorize it.

After the ruling, the Missouri State Tax Commission published guidance to county assessors with broad discretion on how to classify and assess solar installations. Some assessors continue to treat residential rooftop solar as not adding assessed value (consistent with the now-invalid statutory exemption). Other assessors apply normal property tax rules to the added home value attributable to solar.

Senate Bill 4 (signed in 2025) provided a partial fix for utility-scale commercial solar built before August 9, 2022 by classifying it as tangible personal property rather than real property. The law did not restore an exemption, and it does not apply to residential rooftop solar.

For a Missouri homeowner planning a 2026 install, the right move is simple: ask your county assessor how they treat rooftop solar before assuming any property tax benefit. Berkeley Lab and Zillow research show solar adds roughly 4 percent to home market value on average. Whether that added value translates to a higher property tax bill depends on your local assessor's current practice.

We track this issue because being wrong about it would cost a customer real money over the system's 25-year life. If the constitutional landscape changes (a future amendment, or new legislation), we will update this section. As of April 25, 2026, the exemption is on the books but not enforceable.

CWL rebate

Columbia Water and Light: the only active utility rebate in Missouri.

Columbia Water and Light (the City of Columbia Utilities) pays $500 per kilowatt of installed solar capacity to residential customers, plus a premium rebate for systems designed to perform best during peak demand. Pre-project approval is required. Solar loans up to $15,000 are also available at 1 to 5 percent depending on term. CWL is the only Missouri utility currently offering an active rebate.

On a typical 10 kilowatt Solar Assure install in Columbia, the standard CWL rebate alone is worth $5,000. The premium rebate adds more if the system is south-facing with optimal tilt and minimal shading. CWL calculates the premium based on the panel azimuth (compass direction), tilt (roof slope angle), and shading factor.

CWL also offers solar loans up to $15,000 for residential customers (and $30,000 for commercial). Interest rates depend on the term:

1 percent for terms up to 3 years
3 percent for terms of 4 to 5 years
5 percent for terms of 6 to 10 years

These rates are below typical solar loan market rates, so the CWL loan often makes sense even for customers who could finance through other channels. There are no prepayment penalties.

Pre-project rebate approval is required before installation begins. Solar Assure submits the rebate application as part of the project paperwork. The contractor must be on Columbia Water and Light's contractor network list. Read our Columbia MO solar guide for a complete walk-through of the CWL process and Columbia-specific math.

What ended

The Missouri utility solar rebates that ended in 2023.

Two of the three major Missouri investor-owned utilities (Ameren Missouri and Liberty Utilities Missouri) ran solar rebate programs through 2023. Both have ended. Many websites still list these as currently available. They are not.

Ended Dec 31, 2023

Ameren Missouri Solar Rebate

$0.25/watt (legacy)

Ameren's residential solar rebate program ran through December 31, 2023. The legacy rate was 25 cents per watt, capped at 25 kilowatts. New Ameren installs in 2026 receive no upfront utility rebate. Ameren customers still benefit from RSMo 386.890 net metering. Read our Ameren guide.

Ended Aug 6, 2023

Liberty Utilities Missouri Rebate

$0.25/watt (legacy)

Liberty (formerly Empire District) ended its Missouri solar rebate effective August 6, 2023. Applications received before that date had to be operational by December 31, 2023 to qualify under the legacy program. Liberty customers in Joplin and southwest Missouri still get net metering. Read our Liberty guide.

Never offered

Evergy Missouri

No rebate

Evergy Missouri (Metro and West) does not offer a residential solar rebate and has not offered one in recent years. Evergy customers get net metering under RSMo 386.890 plus the default time-of-use rate (mandated October 2023), which significantly affects solar export economics. Read our Evergy MO guide.

Still active

Columbia Water and Light

$500/kW

The only Missouri utility currently offering an active solar rebate. Standard rebate is $500 per kilowatt with an additional premium tier for peak-period performance. Solar loans up to $15,000 also available. Pre-project approval required. Read our Columbia guide.

Why the rebate landscape contracted: Missouri's three investor-owned utilities each offered solar rebates during the 2010s when state-level solar adoption was low and utilities were subject to renewable portfolio standards that required them to procure or incent renewable generation. Once portfolio thresholds were met and adoption matured, the rebate budgets were exhausted and not renewed. Columbia Water and Light, as a municipal utility under direct elected oversight by the Columbia City Council, has chosen to maintain the rebate as a policy matter.

PACE financing

PACE financing in participating Missouri cities.

PACE (Property Assessed Clean Energy) financing is authorized in Missouri under RSMo 67.2800 through 67.2835. It allows homeowners to finance solar through an assessment on their property tax bill, repayable over up to 20 years. PACE is administered by participating cities and counties through programs like Set the PACE St. Louis and the Missouri Energy Savings Program (MOESP). It is not a rebate but it can lower upfront cost dramatically for customers who do not qualify for traditional financing.

Three things to understand about PACE in Missouri:

It is local-option. PACE is only available in cities and counties that have opted in. Coverage is uneven across Missouri. The Missouri Department of Natural Resources maintains a participating-jurisdiction map.
It is tied to the property, not the borrower. The PACE assessment shows up on the property tax bill and transfers with the home if you sell. This is a feature, not a bug, for homeowners who plan to move within the loan term.
Interest rates are typically higher than conventional solar loans. PACE rates in Missouri tend to run 6 to 9 percent fixed. A conventional Solar Assure financing partner offer will usually undercut that for customers with reasonable credit. PACE shines when conventional financing is unavailable.

Solar Assure partners with several conventional financing options that typically beat PACE on rate. We mention PACE here for completeness because it is one of the few state-authorized financing mechanisms still actively used in Missouri after the 2025 federal credit changes.

The math

A worked Missouri example: 10 kW system on Ameren in 2026.

Here is how the 2026 incentive stack works for a typical Solar Assure install. Numbers below use Solar Assure's $2.70 per watt standard pricing and Ameren Missouri's residential rate.

10 kW Ameren Missouri residential solar install · 2026

System size10,000 watts (10 kW DC)

Solar Assure price at $2.70/watt$27,000.00

Midas Wealth 25% check (after install)−$6,750.00

Net cost to homeowner$20,250.00

Annual production at Missouri's 4.3 average peak sun hours: ~13,500 kilowatt-hours. At Ameren's residential rate of approximately $0.135 per kilowatt-hour (post-June 2025 12 percent increase), gross annual electric value is around $1,820. Net metering credits offset the bill at the full retail rate during the year and are paid out at avoided cost (significantly lower) at the 12-month anniversary, so we use $1,620 as the conservative annual net offset for a system sized close to 100 percent of usage.

Year 1 electric bill savings≈ $1,620

25-year savings (3% rate inflation)≈ $59,200

Net 25-year benefit (savings + check − net cost)≈ $45,700

Same example for a Columbia Water and Light customer adds the $500 per kilowatt rebate ($5,000 on a 10 kW system), which would reduce the net cost to $15,250 and lift 25-year benefit by another $5,000 plus.

Two notes on the math:

Pre-OBBBA, the federal Section 25D credit on the same system would have been $8,100 (30 percent of $27,000). The Midas Wealth check at $6,750 partially replaces but does not fully match the lapsed credit. The shortfall of $1,350 over 25 years is dwarfed by Ameren's projected rate increases (12 percent in 2025, more from Senate Bill 4 surcharges and the AWS data center load growth), which expand long-term solar value significantly.
The 3 percent annual rate inflation assumption is conservative for Ameren given the rate trajectory. Aggressive scenarios using actual Ameren filings would push 25-year savings well past $70,000.

Pre-2026 vs 2026

How the Missouri solar incentive math changed in 2026.

For a homeowner who installed in 2025 versus 2026, the table below shows what each Missouri solar incentive looked like before and after the federal credit expiration.

Incentive	2025 (pre-OBBBA expiration)	2026 (post-expiration)
Federal residential ITC (Section 25D)	30% of system cost	$0 (expired Dec 31, 2025)
Section 48E commercial ITC (leases/PPAs)	30% (passed through indirectly)	Still 30% through 2027/2028
Solar Assure 25% Midas Wealth check	Available	Available
Missouri state solar tax credit	None	None
Missouri property tax exemption	Statute on books, struck down 2022	Statute on books, struck down 2022
RSMo 386.890 net metering	1:1 retail rate	1:1 retail rate
RSMo 442.404 HOA protection	Active	Active
Columbia Water and Light rebate	$500/kW	$500/kW
Ameren Missouri rebate	Already ended Dec 2023	Ended
Liberty Missouri rebate	Already ended Aug 2023	Ended
PACE financing (RSMo 67.2800)	Available in some cities	Available in some cities

The biggest change is the federal credit. Everything else on the Missouri side is unchanged year-over-year. The Midas Wealth program was already available in 2025 and partially replaces but does not fully match the lapsed Section 25D credit for cash and loan purchases. Customers who finance through a lease or PPA still effectively benefit from the 30 percent credit indirectly because Section 48E remains active through 2027 (2028 for some project types).

How to claim

Six steps to maximize Missouri solar incentives in 2026.

The process below assumes you are working with a Missouri-licensed installer like Solar Assure that handles every application on your behalf. If you are handling paperwork yourself, expect to add 2 to 4 weeks per step.

Pick a licensed installer that handles paperwork

The right installer prepares the Midas Wealth qualification packet, the utility net metering application, the HOA submission if applicable, and the CWL rebate application (Columbia customers). Joshua handles all four personally for Solar Assure customers.

Submit the Midas Wealth qualification packet

The installer files the Midas Wealth program paperwork during system design. Eligibility is determined by Midas Wealth before installation begins, so you know the projected check amount before signing.

File the utility net metering application (RSMo 386.890)

The installer submits the application to your utility. Missouri law requires a 30-business-day review window for residential systems 10 kW or smaller. Application is free; the bi-directional meter is installed at no cost.

Submit the HOA architectural review (if applicable)

For deed-restricted communities, the installer prepares a packet citing RSMo 442.404 and showing system design, panel placement, and conduit routing. HOAs may impose reasonable aesthetic conditions but cannot ban the system.

File the Columbia Water and Light rebate (CWL customers only)

Pre-project approval is required before installation begins. The installer submits the rebate application with system specs and projected peak-period performance to determine if the premium rebate tier applies.

Verify post-installation paperwork is complete

After Permission to Operate, confirm the Midas Wealth check is issued, the bi-directional meter is installed, the HOA acknowledgment letter is on file, and any utility rebate is paid. Save documentation. The paperwork transfers with the home if sold.

FAQ

Common Missouri solar incentive questions.

Twelve questions Missouri homeowners ask us most often about 2026 incentives.

Are there any solar tax credits in Missouri in 2026?

There is no Missouri state solar tax credit in 2026. Missouri has never offered a state-level solar income tax credit. The 30 percent federal residential Investment Tax Credit (Section 25D) expired December 31, 2025 under the One Big Beautiful Bill Act (Public Law 119-21), so Missouri homeowners who purchase solar with cash or a loan in 2026 receive no federal tax credit either. The primary 2026 incentive available to Missouri homeowners installing through Solar Assure is the 25 percent Midas Wealth check program, which is administered by Midas Wealth (a third-party financial partner Solar Assure works with) using commercial tax credits still available under federal law (Section 48E).

What is the Midas Wealth 25 percent check program?

The Midas Wealth 25 percent check program is a third-party financial program available to qualifying Solar Assure customers in Missouri and Kansas. Midas Wealth pays the homeowner 25 percent of the solar system cost as a check, made payable to the homeowner, after installation. The program uses commercial tax credits under Section 48E that remain available under federal law after the residential ITC expired. The check is issued by Midas Wealth, not by Solar Assure. Eligibility is determined by Midas Wealth based on its program criteria. The average qualifying Solar Assure customer receives a check of $4,800 or more. The check does not depend on the homeowner having any federal tax liability, which is a difference from the now-expired Section 25D residential credit.

Does Missouri have a property tax exemption for solar panels?

Not in practice as of 2026. Missouri Revised Statute 137.100(10) was enacted in 2013 to exempt solar energy systems not held for resale from property taxation. However, in August 2022, the Missouri Supreme Court unanimously ruled in Johnson v. Springfield Solar 1, LLC, 648 S.W.3d 101, that this statutory exemption is unconstitutional under Article X, Section 6 of the Missouri Constitution, which limits property tax exemptions to specifically enumerated property classes. The statute remains on the books but is currently unenforceable. The Missouri State Tax Commission has issued post-ruling guidance giving county assessors broad discretion on how to assess solar installations. Senate Bill 4 (2025) provided limited relief for commercial solar facilities constructed before August 9, 2022 by classifying them as tangible personal property, but did not restore a residential property tax exemption. Most websites still claim Missouri offers a solar property tax exemption. That information is outdated.

Does Ameren Missouri offer a solar rebate in 2026?

No. Ameren Missouri's residential solar rebate program ended December 31, 2023. The legacy program offered $0.25 per watt up to 25 kilowatts. Solar systems installed on Ameren Missouri after that date receive no upfront utility rebate. Ameren customers still benefit from net metering under RSMo 386.890 (1:1 retail rate credit on excess generation, 100 kW residential cap) and from Solar Assure's 25 percent Midas Wealth check program. Ameren Missouri implemented a 12 percent residential rate increase effective June 2025 and is recovering further infrastructure costs through Senate Bill 4 surcharges, which improves long-term solar economics on Ameren even without a rebate.

Does Liberty Utilities Missouri offer a solar rebate in 2026?

No. Liberty Utilities Missouri (formerly Empire District Electric) ended its solar rebate program effective August 6, 2023. Applications received before that date had to be operational by December 31, 2023 to qualify under the legacy program. Liberty customers in southwest Missouri (Joplin, Branson, Aurora, Bolivar, Carthage, Webb City, Neosho, Monett, Lebanon) still benefit from net metering under RSMo 386.890. The Missouri Public Service Commission approved a phased Liberty rate increase on January 14, 2026 that is adding approximately $7.83 per month in year one and $8.91 per month in year two, totaling roughly 11 to 13 percent cumulative increase over three years on top of Liberty's already highest-in-state residential rates near 16.2 cents per kilowatt-hour.

Does Columbia Water and Light offer a solar rebate?

Yes. The City of Columbia Utilities (Columbia Water and Light) is the only Missouri utility currently offering an active residential solar rebate. The standard rebate is $500 per kilowatt of installed PV capacity. Columbia also pays a premium rebate for systems designed to perform best during peak demand periods, calculated based on roof azimuth, tilt, and shading. Pre-project approval is required before installation begins. Columbia Water and Light also offers solar PV system loans up to $15,000 for residential customers at favorable rates (1 percent for terms up to 3 years, 3 percent for 4 to 5 years, 5 percent for 6 to 10 years). Solar Assure handles the rebate paperwork for Columbia customers we install for. Read our Columbia MO solar guide for details.

Can I still get the 30 percent federal solar credit if I lease solar in 2026?

Yes, indirectly. Section 48E of the Internal Revenue Code (the commercial Investment Tax Credit) remains available through 2027 for projects that begin construction before July 4, 2026. Third-party-owned residential solar systems (leases and Power Purchase Agreements) qualify because the leasing or PPA company owns the system and claims the commercial credit, then passes savings to the homeowner through lower monthly payments or reduced per-kilowatt-hour rates. Solar Assure does not sell leases or PPAs because they typically deliver lower lifetime savings than ownership and complicate home sale transfers. The Midas Wealth 25 percent check program offers a similar federal-credit-derived benefit while preserving full system ownership.

Is net metering an incentive in Missouri?

Net metering is more accurately described as a fair pricing rule than an incentive, but it has incentive-like value. Under RSMo 386.890 (the Missouri Net Metering and Easy Connection Act, enacted August 28, 2007), Missouri investor-owned utilities (Ameren, Evergy, Liberty), municipal utilities, and rural electric cooperatives must credit excess solar production to the customer's account at the full retail electricity rate, up to a 100 kilowatt residential system size cap. For a typical Missouri home using 12,000 kilowatt-hours per year and producing 13,000 kilowatt-hours annually, net metering eliminates the electric bill entirely except for fixed monthly customer charges. Read our Missouri net metering guide for complete details.

Does Missouri have an HOA solar incentive?

Missouri does not offer a financial HOA solar incentive, but RSMo 442.404 (the Missouri Solar Access Law) prohibits homeowners associations from banning solar panels outright on residential property statewide. HOAs may enforce reasonable aesthetic restrictions (typical examples include preferred panel orientation, color of conduit, or back-of-roof placement) but cannot prohibit solar installations entirely. The protection saves homeowners legal fees and removes the most common HOA-related obstacle to going solar. Solar Assure prepares HOA submission packets for customers in deed-restricted communities and handles architectural review correspondence on behalf of the homeowner.

What is PACE financing for solar in Missouri?

PACE (Property Assessed Clean Energy) financing is a Missouri-authorized program under RSMo 67.2800 through 67.2835 that allows homeowners to finance solar (and other energy efficiency upgrades) through an assessment on their property tax bill, repayable over up to 20 years at fixed rates. PACE is not available statewide in Missouri. It is administered by participating cities and counties through programs such as Set the PACE St. Louis and the Missouri Energy Savings Program (MOESP). The advantage is 100 percent financing with no upfront cost and repayment tied to the property rather than the homeowner (PACE assessments transfer with the home upon sale). PACE typically carries higher interest rates than conventional solar loans, so it is most useful for customers who do not qualify for traditional financing.

How can I stack the Missouri solar incentives that are still available in 2026?

For most Missouri homeowners on Ameren, Evergy, or Liberty service, the stack is: Solar Assure 25 percent Midas Wealth check (replaces the expired federal credit for cash and loan purchases), plus net metering credits under RSMo 386.890 over the system's 25-year life, plus the implicit value of RSMo 442.404 HOA protection. For Columbia Water and Light customers, add the $500 per kilowatt CWL rebate. For homeowners in PACE-participating cities and counties, the financing structure is also stackable. None of these incentives conflicts with the others. A typical Solar Assure customer in Ameren Missouri territory installing a 10 kilowatt system at $2.70 per watt receives a $27,000 pre-incentive cost reduced by a $6,750 Midas Wealth check (25 percent), bringing the net cost to $20,250. Annual electric bill savings via net metering of approximately $1,620 in year one (then growing as Ameren rates rise) push 25-year savings past $32,000.

How does Missouri compare to Kansas for solar incentives in 2026?

Both states lost the federal residential ITC on December 31, 2025. Missouri retains net metering at the 1:1 retail rate under RSMo 386.890 with credits paid out at avoided cost annually, while Kansas under K.S.A. 66-1263 (as amended by HB 2527 in 2024) sets a 150 kilowatt cap and zeroes out NEG credits annually on March 31 with no payout, which makes oversizing on Kansas economically pointless. Kansas has no state solar tax credit and no Kansas utility solar rebates. Missouri retains the Columbia Water and Light $500 per kilowatt rebate (Kansas has no equivalent). Missouri has strong HOA solar protection (RSMo 442.404, recently confirmed retroactive by the Missouri Supreme Court in Eikmeier v. Granite Springs); Kansas has no state-level HOA solar law. Missouri property tax exemption is unenforceable post-2022 court ruling; Kansas offers a 10-year property tax exemption on solar PV under K.S.A. 79-201 (panels only, not batteries).

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josh@solarassure.net

Written by Joshua Hayeslip Co-Founder, Solar Assure · Lake Saint Louis, Missouri

Joshua co-founded Solar Assure with his wife Tori in 2022 after a decade in solar sales and installation. He reads every Missouri Public Service Commission filing personally and tracks federal tax law changes (the OBBBA, the Inflation Reduction Act, IRS Notices) as they break. Reach him at josh@solarassure.net or (636) 679-0998. Read more →