Key takeaways
- No free solar program is open in Oklahoma. “Free” or zero-down solar in Oklahoma means a loan, lease or power purchase agreement (PPA).
- Your address decides the contract. Leases are allowed statewide; a PPA only inside city or town limits.
- Leftover power earns a wholesale price. OG&E’s newest posted off-peak credit was 3.36 cents per kWh (September 30, 2026). Every offer should be judged against the rate your utility posts.
- The system is capped by your own use: no more than 125% of your peak load to stay on net metering.
- No state rebate or tax credit, and no federal homeowner credit for systems installed after December 31, 2025.
About this review
Every Oklahoma rule and rate here was read in the sources linked at the bottom, between September 29 and October 5, 2026; program statuses were rechecked on October 5. This guide explains offers and rules; it is not tax, legal or financial advice.
How we choose sources and correct errors: editorial process and content standards.
Oklahoma lets a company own the panels on your roof, so no-money-down offers here are real contracts. The catch is the number those offers are priced against. Under the state net metering rule, power your home uses as the panels make it is worth your full energy price. Power left over at the end of the month earns your utility’s avoided energy cost, a wholesale price far below what you pay.
OG&E posts that price every day. So ask any free solar seller which rate it assumed for your leftover power, from which rate sheet, and what date.
Solar for All in Oklahoma: No program is open. Oklahoma had no state award; multistate and tribal awards were to reach some households. The EPA ended Solar for All in August 2025; federal courts ruled that unlawful in September 2026, and the EPA was weighing an appeal on October 1. As of October 5, 2026, Inclusive Prosperity Capital, one multistate grantee, still lists its program as paused, and we found no way for an Oklahoma household to apply.
The Rate Your Utility Posts: What Oklahoma Credits
Oklahoma net metering (setting the power you make against the power you buy) runs under 17 O.S. 156 and the Corporation Commission rules in OAC 165:40-9. Netting happens inside each monthly bill. Within the month, each kWh (kilowatt-hour, the unit on your bill) you make offsets one you would buy. What is left at month end becomes a dollar credit on a later bill, at the utility’s avoided energy cost.
At OG&E, that price is a 30-day rolling average of wholesale prices, posted daily on its NEBO price page (NEBO is OG&E’s Net Energy Billing Option). From October 1 through May 31, every hour is off-peak. In August and September 2026 the off-peak price stayed between 3.11 and 3.67 cents per kWh. At the newest posted price, 100 leftover kWh earn $3.36.
So a system sized to what your home uses as it runs keeps most of its value. A quote that values exported power at the price you pay for power is wrong for OG&E.
The 125% Rule That Caps What Can Be Installed
The state limit for net metering is 300 kW, far above any home system. The limit that binds is the second one: a system larger than 125% of your peak load may be moved off net metering onto a different tariff. Peak load is the most power your home draws at once, in kW. OG&E first sets it from your peak demand in the 12 months before you apply. A home whose peak was 8 kW could connect up to 10 kW.
The cap matters most under a lease or PPA, where a bigger array earns the company more. The rule is judged on the use you have now, not the electric car you plan to buy.
Zero-Down Solar in Oklahoma: Lease Anywhere, PPA Only in Town
Which zero-down contracts you can sign in Oklahoma depends on your address. DSIRE’s May 2026 map shows Oklahoma as a state where third-party PPAs are authorized, citing Attorney General Opinion 2018-5. As reported when it was issued, that opinion allows leases and PPAs in incorporated areas (inside city or town limits) and leases only in unincorporated areas.
| Route | Allowed where | Who owns the panels | The payment must beat |
|---|---|---|---|
| Zero-down solar loan | Everywhere | You | Your bill savings, with leftover power at the posted wholesale rate |
Pros and cons in Oklahoma: zero-down loanPros
Cons
Can fit if: most of your solar power is used at home in the month it is made. | |||
| Solar lease | Everywhere, including outside city limits | The company | The same savings, plus any yearly increase in the payment |
Pros and cons in Oklahoma: leasePros
Cons
Can fit if: you cannot borrow, and the first-year payment sits well below your savings with no escalator. | |||
| Power purchase agreement (PPA) | Only inside city or town limits | The company | Your energy price per kWh, after any yearly increase |
Pros and cons in Oklahoma: PPAPros
Cons
Can fit if: your address is inside city limits and the PPA price stays below your energy price for the whole term. | |||
| OG&E Solar Power Program | OG&E customers only. Taking sign-ups on October 5, 2026, with a waitlist if its solar farms are full | OG&E (its solar farms) | Nothing: it is a rate choice, not a savings program |
Pros and cons in Oklahoma: OG&E subscriptionPros
Cons
Can fit if: you want solar power on your bill and can shift use away from summer weekday afternoons. | |||
In town, lease or PPA? Three Oklahoma questions
Question | Lease | PPA |
|---|---|---|
What your money buys | Use of the equipment, a set fee | Each kWh the panels produce |
A stormy spring month | The fee does not change | The PPA bill shrinks with output |
Who carries the output risk | You, unless output is promised in writing | Mostly the company |
A company that owns the panels may claim a federal business credit, which IRS Notice 2025-42 ends for solar placed in service after December 31, 2027 unless construction began by July 4, 2026. Ask whether your price depends on it. For loan terms and APRs, see our solar financing guide.
OG&E, PSO, Edmond or a Co-op: Who Sets Your Credit
The Corporation Commission regulates three investor-owned utilities: OG&E, PSO and Liberty. State law keeps it from regulating city utilities and the Grand River Dam Authority, and most electric co-ops have voted out of its price regulation. So the state net metering rule is a floor only for some homes.
| Your utility | Rule book | Leftover power earns | Ask before you sign |
|---|---|---|---|
| OG&EOklahoma Gas and Electric | State rule, NEBO tariff | 3.36 cents per kWh off-peak (September 30, 2026) | You must be on a time-of-use plan. A credit carried over 24 months or above $100 can be paid out once. |
| PSOPublic Service Company of Oklahoma | State rule | PSO’s avoided energy cost: 3.65 cents off-peak and 3.93 cents on-peak for August power (table dated September 23, 2026) | The current price, the rate sheet name and date, and any monthly charge for solar homes, in writing |
| LibertyFormerly Empire District | State rule | Liberty’s avoided energy cost | The same three questions as PSO |
| Edmond ElectricCity of Edmond’s own utility | City Schedule R-DG | $0 per 100 kWh | A $30.00 a month customer charge, $192 a year more than the standard rate; home systems up to 10 kW; room only until solar reaches 1% of the city’s peak load |
| Co-ops, other cities, GRDAMost co-ops set their own prices | The utility’s own policy | Whatever its policy says | Its written solar policy and export price before any quote |
In Edmond, solar still pays where it replaces power you would buy: 100 kWh used at home avoid $8.51 at the first-step energy price. Edmond Electric says it does not partner with any solar seller and calls door-to-door claims otherwise false.
You Likely Will Not Qualify If
- You live outside city limits and were offered a PPA. Only a lease or a loan is allowed there.
- The design is bigger than 125% of your peak load. It may be moved off net metering. That is a rule, not a guideline.
- A co-op or city utility bills you and the quote assumes the state rule. Get your utility’s own terms first.
- You expect to claim a tax credit yourself. The federal homeowner credit is over, and Oklahoma has none for home solar.
Judge the Offer on the Number You Can Check
- Find your utility on your bill.
It decides whether the state rule applies at all.
- Check whether your address is inside city limits.
Outside them, a PPA is off the table.
- Ask for your peak demand over the last 12 months.
Multiply by 125%. The system in the quote should not be larger.
- Get the export rate the quote assumed, with its source.
For OG&E, compare it with the NEBO price page. A figure close to your full energy price is a red flag.
- Add up every payment over the full term.
Include the escalator. Set the total against the savings of a system sized to your own use.
- Compare with the cash price.
Hold it against what solar costs in Oklahoma, where a typical system is 7.42 kW.
Pause if a seller says your utility or “Solar for All” sent them, will not say who owns the panels, or wants a signature today.
Learn the solar scam warning signs and compare installers in our Oklahoma solar companies guide.
Get Oklahoma Quotes That Name Your Utility’s Rate
Ask each installer to state your utility, the export rate it modeled and its date, and the size check against your peak load. Then compare a loan with any lease or PPA on total cost.
Type your ZIP code to compare Oklahoma solar offers
This is a commercial quote request, not an application to OG&E, PSO, your co-op or any program. Installer and contract availability depend on your ZIP code and your home.
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More Oklahoma Solar Guides
- Oklahoma solar guideUtilities, incentives and installers in one place
- Is solar worth it in Oklahoma?The payback math for your home
- Oklahoma solar incentivesBill credits by utility, the size rule and the tax picture
- Cost of solar in OklahomaCash prices to test a lease or loan against
- Oklahoma solar companiesWho installs in the state
- Free solar panels in the USHow zero-down offers work in other states
Oklahoma Solar FAQs
Can I get free solar panels in Oklahoma?
Not free. No income-qualified program is taking Oklahoma households. A company can install panels it owns at no upfront cost, but you pay it every month.
Can I get zero-down solar in Oklahoma?
Yes. A zero-down loan works anywhere, a lease works anywhere, and a PPA works only in incorporated areas. Judge each against savings at your utility’s posted rate for leftover power.
What does Oklahoma pay for solar power I send to the grid?
At OG&E, PSO and Liberty, month-end leftover power earns the utility’s avoided energy cost on a later bill. OG&E’s newest posted off-peak price was 3.36 cents per kWh on September 30, 2026. Edmond Electric pays nothing for exports.
How big a system can I put on my Oklahoma roof?
To stay on net metering, no more than 125% of your peak load, judged on your past use. Edmond Electric also caps home systems at 10 kW unless its director approves more.
Who claims the tax credit on an Oklahoma solar lease?
The company, if its project qualifies for the federal business credit. You claim nothing, and Oklahoma offers no state credit.
Is Solar for All coming to Oklahoma?
Oklahoma had no state award. Multistate and tribal awards were to cover some households before the EPA ended the program. Courts restored the grants in September 2026, but as of October 5, 2026 we found no way for an Oklahoma household to apply.
Sources and review
Oklahoma rules, utility rates and program statuses were checked between September 29 and October 5, 2026, against these sources. Rates change daily; your utility’s current terms always win.
- Oklahoma Corporation Commission, Net Metering in Oklahoma (checked September 30, 2026)
- Oklahoma Corporation Commission, OAC 165:40, rules effective July 25, 2019, Subchapter 9 (checked September 30, 2026)
- OG&E, Standard Pricing Schedule NEBO, 7th Revised Sheets 70.10 to 70.13 (checked September 30, 2026)
- OG&E, NEBO Credit Rates For Net Excess Energy, daily price page (checked September 30, 2026)
- OG&E, Solar Power page: rooftop solar application and Solar Power Program (checked September 30, 2026)
- City of Edmond, Standard Pricing Schedule R-DG, Residential Service with Distributed Generation (checked September 30, 2026)
- City of Edmond, Solar Generation (checked September 30, 2026)
- City of Edmond, Residential Rates (checked September 30, 2026)
- Oklahoma Tax Commission, 2025 Form 511-CR, Other Credits Form (checked September 30, 2026)
- IRS, Residential Clean Energy Credit (checked September 30, 2026)
- DSIRE / NC Clean Energy Technology Center, 3rd Party Solar PV Power Purchase Agreement map, May 2026 (Oklahoma: Attorney General Opinion 2018-5; checked October 5, 2026)
- Utility Dive, Oklahoma AG opinion clears way for third-party solar ownership, August 27, 2018 (checked October 5, 2026)
- Oklahoma Corporation Commission, Electric Utility: regulated utilities, cooperatives and city utilities (checked October 5, 2026)
- IRS, Notice 2025-42, beginning of construction for sections 45Y and 48E (checked October 5, 2026)
- KGOU, Federal program to get solar panels in disadvantaged areas, including Oklahoma, cut by EPA, August 27, 2025
- Inclusive Prosperity Capital, Solar for All program status (checked October 5, 2026)
- pv magazine USA, Federal court strikes down EPA cancellation of Solar for All, September 21, 2026
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