Montana Solar Estimate

Electric cooperative

Solar with Flathead Electric Cooperative

Flathead Electric Cooperative members pay 6.54¢ per kWh plus a $4.93 per kW demand charge; a typical home's solar pays back in about 27 years.

See the numbers for your address

At a glance

Energy rate
6.54¢/kWh
tiered by monthly use, riders included
Fixed charge
$27/mo
billed every month, solar or not
Demand charge
$4.93/kW
not reduced by solar
Net-metering limit
50 kW AC
annual true-up

Residential schedule effective June 1, 2026; checked November 1, 2026. Sources.

What this means for solar

  • Excess power is banked as kWh and credited against the energy charge only; the fixed charge and the demand charge are billed regardless. Credits older than twelve months are retired without payment.
  • Every member pays a $4.93 per kW demand charge on the highest 1-hour demand Mon-Fri 7-10am and 5-8pm, six holidays excluded. Rooftop solar rarely lowers a home's peak demand, so our estimates do not count it as savings.
  • Systems up to 50 kW AC qualify for net metering; above that, capacity would run without export credit.
  • There is a $250 interconnection fee.

A typical home: 900 kWh a month, gas heat

Net-zero system
9.8 kW
1104 kWh per kW per year
Installed cost
as low as$23,496
up to $28,718
First-year savings
up to$742
at least $651
Payback
as low as24.3 yrs
24.3–31.2 yrs at 2.7%/yr

Best-case figures with the range shown; no federal credit for homes in 2026. Production reference: Whitefish. Your roof, usage and heating change every number, which is what the estimate is for.

Full schedule and net-metering rules
Fixed charge
$27 per month
Energy
5.47¢ up to 600 kWh; 6.44¢ up to 3,500 kWh; 10.02¢ above that; plus 0.10¢ per kWh in riders
Demand
$4.93 per kW, all residential; highest 1-hour demand Mon-Fri 7-10am and 5-8pm, six holidays excluded
Net metering
Interconnections under 200 kW nameplate and 50 kW export are net metered; excess kWh accrue as a per-kWh offset to billed energy (rolling bank: credit older than twelve months is retired without compensation); credits never offset the basic, demand or reactive charges; the co-op does not purchase energy; $250 processing fee.
Effective
June 1, 2026; checked November 1, 2026

Questions members ask

Does Flathead Electric Cooperative pay for excess solar power?
Excess power is banked as kWh and credited against the energy charge only; the fixed charge and the demand charge are billed regardless. Credits older than twelve months are retired without payment.
How big a solar system can I net-meter with Flathead Electric Cooperative?
Systems up to 50 kW AC qualify for net metering. The interconnection fee is $250.
Does solar reduce the Flathead Electric Cooperative demand charge?
Every member pays a $4.93 per kW demand charge on the highest 1-hour demand Mon-Fri 7-10am and 5-8pm, six holidays excluded. Rooftop solar rarely lowers a home's peak demand, so our estimates do not count it as savings.
What would solar cost and save for a typical Flathead Electric Cooperative home?
For a gas-heated home using about 900 kWh a month, a net-zero system is about 9.8 kW, costs roughly $23,496 to $28,718 installed, saves $651 to $742 in the first year, and pays back in 24.3 to 31.2 years at 2.7% a year rate growth. Your address gives a real figure in about a minute.
What federal incentives apply in 2026?
The 30% homeowner credit (Section 25D) ended for systems completed after December 31, 2025. Business-owned systems, including ranches, farms and rental property, still qualify for the 30% investment credit (Section 48E) and bonus depreciation when placed in service by the end of 2027; tax-exempt owners receive the 30% as a cash payment. Not tax advice.
Where do these numbers come from?
The rate figures are read from Flathead Electric Cooperative's own published schedule and net-metering policy (linked under Sources), last checked November 1, 2026. The worked example runs the same engine as the estimator, using a production reference for Whitefish and Montana installed-cost data. If you spot an error, email us and we will correct it.

Service area

NorthWestern EnergyMontana-Dakota UtilitiesLincoln Electric CooperativeLower Yellowstone Rural Electric CooperativeMarias River Electric CooperativeMcCone Electric CooperativeMid-Yellowstone Electric CooperativeMissoula Electric CooperativeNorVal Electric CooperativeBeartooth Electric CooperativePark Electric CooperativeBig Flat Electric CooperativeSheridan Electric CooperativeBig Horn County Electric CooperativeSoutheast Electric CooperativeSun River Electric CooperativeTongue River Electric CooperativeCity of Troy ElectricMission Valley PowerYellowstone Valley Electric CooperativeFergus Electric CooperativeVigilante Electric CooperativeRavalli Electric CooperativeGlacier Electric CooperativeHill County Electric CooperativeFlathead Electric Cooperative
Flathead Electric Cooperative's service territory (highlighted). Hover a region to see its utility.

Other Montana co-ops: Missoula Electric Cooperative, Park Electric Cooperative, Yellowstone Valley Electric Cooperative, Ravalli Electric Cooperative, Fergus Electric Cooperative, Beartooth Electric Cooperative. All 26 utilities.

Sources

Every figure on this page comes from the documents below. We print the schedule’s effective date and the date we last read it; when a utility publishes nothing, we say so instead of guessing quietly.

  1. Residential rate schedule: fixed charge, energy rate, demand charge
    Effective June 1, 2026 · Checked November 1, 2026 · Read from the primary source
  2. Net-metering / distributed-generation policy
    Checked November 1, 2026 · Read from the primary source
  3. Service territory on the map
    Checked October 31, 2026 · Read from the primary source
  4. Worked example: production, installed cost, savings and payback
    Checked November 1, 2026 · Read from the primary source

Spot an error or a rate change? Email mtsolarestimate@gmail.com. How the estimate itself is built: methodology.

Your address, your numbers

Roof, usage and heating change everything above. The estimate takes about a minute and asks for no contact details.