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Solar financing options in the Naugatuck Valley, CT

26 ZIP codes covered in Waterbury and the Naugatuck Valley, in Eversource and United Illuminating territory. Enter yours to see which routes and Connecticut incentives reach your roof.

Check what is available at your address Takes about a minute. No credit check to look.

What is your ZIP code?

Your ZIP code tells us which utility serves you, which state incentives apply, and whether an installer covers your area.

ZIP code

Do you own the property?

Solar is installed on the roof, so the owner has to be the one to agree to it.

Roughly what is your average monthly electric bill?

A band is fine. This is the single biggest factor in whether solar is worth doing on your home.

How much shade does your roof get between 9am and 3pm?

Shade during the middle of the day matters far more than shade early or late.

Where is the property?

The installer uses the address to measure your roof from aerial imagery before anyone visits.

Street address

City

State

Where should the installer reach you?

Someone will call to talk it through and answer questions. There is nothing to sign and no obligation.

First name

Last name

Email address

Phone number

By submitting this form you are asking us to pass your details, including your name, address, email and telephone number, to Solar Funding USA and to Momentum Solar (Pro Custom Solar LLC), so that they can contact you about residential solar. This is a sale of personal information under some state privacy laws. See our Privacy Policy and Your Privacy Choices.

Prefer not to be called? Send us your question by email instead — you will still get an answer.

Checking your ZIP code against installer coverage
Identifying your electric utility
Looking up the incentives that apply in your state
Putting your details together

We do not cover that ZIP code

Our installer partner covers New Jersey and Connecticut statewide, Long Island plus Queens, Brooklyn, the Bronx and Staten Island in New York, and Southwest Florida. Your ZIP code is not in that footprint, so rather than take your details and waste your time, we are telling you now.

See exactly where we do cover, or read what happened to the federal tax credit before you speak to anyone else about solar.

Solar has to be agreed by whoever owns the roof

We are not able to help renters, and we would rather say so at question two than take your phone number first. If you can speak to your landlord or building owner, they are welcome to come back to us themselves.

In the meantime, if your electric bill is the problem, your utility almost certainly runs an energy assistance or efficiency program that is open to renters. It is worth a call to them.

26 ZIP codes covered across Waterbury and the Naugatuck Valley
Utility: Eversource and United Illuminating
$0 upfront available through a lease or a power purchase agreement
Installer licensed in Connecticut: CT: HIC.0646323

Independent, not a government agency No credit check to lookAbout a minute

The American arm of Solar Panel Funding Ltd, which has helped homeowners find routes into solar in the United Kingdom since 2018. The 4.9/5 Trustpilot rating above is from 7,075 UK customers of the UK company, not from US customers. We have no US reviews yet and will not pretend otherwise. Why we show it anyway.

A white clapboard New England colonial in Connecticut with an all-black solar array — Illustrative photography.

Local picture

What is specific to Waterbury and the Naugatuck Valley

The Naugatuck Valley has the highest concentration of economically distressed municipalities in our Connecticut coverage. Waterbury, Ansonia, Derby, Naugatuck and Bristol all qualify, which adds $0.0275 per kWh to the Buy-All rate or $0.0175 per kWh to Netting. Combined with the low-income adder where applicable, this is the part of Connecticut where the tariff pays the most. The trade-off is housing age: much of the valley's stock is pre-war, so roof condition is assessed before anything else.

Connecticut incentives that apply here

Residential Renewable Energy Solutions - Buy-All tariff

$0.3289 per kWh for 20 years

Under Buy-All, the utility buys everything your system generates at a fixed rate locked for 20 years, and you continue to buy all the power you use at the retail rate. The 2026 rate for applications received from January 1, 2026 i…

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Residential Renewable Energy Solutions - Netting tariff

Retail-rate export credit for 20 years

Under Netting you use your own generation first and export the rest for a bill credit at the currently applicable retail rate. The separate production meter (REC) rate is $0.000/kWh for 2026, but the income-eligible adder of $0.03…

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Third-party ownership is built into the tariff

Lease and PPA both supported

Eversource confirms the Buy-All and Netting structures apply to both customer-owned and third-party-owned systems. Under Netting the incentive can be assigned to a third-party tariff payment beneficiary; under Buy-All it can be sp…

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See every Connecticut incentive with its source →

Federal, state, local and utility incentives change, and many have ended or been reduced. The federal residential clean energy tax credit (Internal Revenue Code section 25D) is not available for systems placed in service after December 31, 2025. Eligibility for any remaining incentive depends on your individual circumstances, tax position, property and utility. We do not provide tax, legal or financial advice. Consult a qualified tax professional.

Coverage

Towns and neighborhoods we cover in Waterbury and the Naugatuck Valley

Ansonia
Beacon Falls
Bethlehem
Bristol
Cheshire
Derby
Middlebury
Naugatuck
Oakville
Oxford
Plymouth
Prospect
Seymour
Shelton
Southbury
Terryville
Thomaston
Waterbury
Watertown
Wolcott
Woodbury

Check my ZIP code

Nearby

Other areas we cover in Connecticut

What “no upfront cost” means. “No upfront cost” and “$0 down” refer to qualifying solar lease or power purchase agreement (PPA) financing, under which eligible homeowners may have no out-of-pocket cost at the time of installation. Solar panels are not free. Under a lease or PPA a third-party finance company owns the system and the homeowner makes monthly payments, typically over a 20 to 25 year term, often with an annual price escalator. Total payments may exceed the cash price of a comparable system. Eligibility depends on homeownership, credit, roof condition, shading, utility provider, location and other underwriting factors, and is not guaranteed.

FAQs

Waterbury and the Naugatuck Valley questions

Do you cover my ZIP code in Waterbury and the Naugatuck Valley?

We cover 26 ZIP codes in Waterbury and the Naugatuck Valley, including Ansonia, Beacon Falls, Bethlehem, Bristol, Cheshire, Derby, Middlebury, Naugatuck and more. Enter your ZIP code at the top of the page and you will get a straight answer immediately.

Who supplies electricity in Waterbury and the Naugatuck Valley?

Eversource and United Illuminating. Which utility bills you matters more than most people expect, because the export arrangements and, in some cases, the incentive rules differ between them.

What is the no upfront cost option in Waterbury and the Naugatuck Valley?

A lease or a power purchase agreement. A finance company owns the system, claims the 30 percent federal Section 48E credit, and charges you monthly, typically over 20 to 25 years. You pay nothing at installation. The panels are not free and the total of payments may exceed the cash price of a comparable system.