For homeowners in Bostonia, high electricity bills from San Diego Gas & Electric (SDG&E) are a constant pressure. With retail rates around $0.323 per kWh, a typical household can face bills over $260 a month. Rooftop solar offers a direct way to reduce that cost, but under 2026 rules, how you use your solar power matters more than ever. The key is maximizing self-consumption, which is why pairing solar panels with a battery is now the recommended path for many in the San Diego area.
From rates to ROI—continue in the savings calculator.
Open calculatorBenchmark Cost Analysis
Solar & Battery System Costs in Bostonia (2026)
Here are modeled cost estimates for a typical home in Bostonia. These figures are based on a system designed to offset the average local electricity bill and do not include any federal tax credits, as the primary residential credit is not available for systems installed in 2026.
- Solar-Only System (6.3 kW): The estimated gross cost is around $16,065. This system is sized to generate significant power during the day to cover your immediate energy needs.
- Solar + Battery System (6.3 kW panels with 10 kWh battery): The estimated gross cost for this combined system is $31,065. The battery adds upfront cost but dramatically increases your energy independence and annual savings by storing solar power for use at night.
An owned solar system can also be a useful long-term home-value feature, potentially improving resale appeal for future buyers looking for lower energy bills.
Incentives & Tax Credits
California Solar Incentives for 2026
While the 30% federal tax credit for homeowners is no longer the default for systems placed in service in 2026, California residents still benefit from important state-level support:
- Property Tax Exclusion: In California, installing a solar system will not increase your property taxes. The added value of the solar installation is excluded from your home's valuation for tax purposes, a benefit active for systems installed through at least mid-2026.
- High Self-Consumption Value: With SDG&E's high electricity rates, every kilowatt-hour of solar energy you use at home provides significant savings. This makes self-consumption the most powerful financial incentive available.
There are no state income tax credits or direct utility rebates factored into these 2026 estimates.
Net Metering: San Diego Gas & Electric Co
Net Billing (low export)
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Understanding Export Rates vs. Retail Rates
In the past, solar owners received credits for exported energy that were roughly equal to the price of electricity they bought from the grid. That has changed. Under the current Net Billing Tariff (NBT), SDG&E pays a much lower rate for your excess solar power—modeled here at around $0.113 per kWh. This is significantly less than the $0.323 per kWh you pay to buy electricity.
This difference is why battery storage is so highly recommended. Instead of selling your valuable solar energy to the grid for a low price, a battery lets you store it. You can then use that stored energy in the evening, avoiding the need to buy expensive power from SDG&E. This strategy keeps the value of your solar production inside your home, leading to greater bill reduction and faster financial returns.
Projected Savings
How Solar Creates Value with High SDG&E Rates
Installing solar is not just about today's bill; it's a strategy to protect against rising utility costs. If grid electricity from SDG&E becomes more expensive over time, the power your roof generates becomes even more valuable. Under California's net billing rules, the biggest savings come from using your own solar power directly.
- A solar-only system is projected to save a Bostonia homeowner around $1,994 annually, with a payback period of about 7.4 years.
- Adding a battery storage system significantly increases savings to an estimated $2,960 annually. While the payback period extends slightly to 8.6 years, the system captures nearly $1,000 more in value each year by avoiding expensive evening and nighttime grid power.