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Electricity Rates Keep Rising
ComEd rates are up +90% in 5 years and projected to keep climbing. A solar lease gives you a rate as low as $0.10/kWh, predictable for 25 years.
$0 Down Solar Available — Compare Your Options
$0 Down Solar in Harvey, Illinois
ComEd rates are up +90% in 5 years. Compare $0 down lease, cash, and Solar for All options for your home.
$123
Average Bill
(and climbing ~6% each year)
$105/mo
Est. Lease + Battery
(predictable for 25 yrs — set in your contract)
3.9
Sun Hours/Day
(every home is unique)
25+ yrs
Years of Pure Profit
(profit + inflation protection)
Why Harvey Homeowners Are Switching to Solar Leases
With $0 down, no maintenance costs, and immediate savings on your ComEd bill, a solar lease is the easiest way to cut your electricity costs. Our trusted installer partners offer 25-year lease terms with battery storage included — all while ComEd rates keep climbing.
$0 Down
No upfront cost to compare lease options for your home.
Predictable Solar Payment
Compare a predictable solar payment against your current and projected ComEd bill.
Battery Included
Keep the lights on during outages with included battery storage.
No Maintenance
Your installer handles all repairs and monitoring for the life of the lease.
Prefer to own your system? We also offer cash purchase and financing options. Contact us to compare all options.
Harvey, a small city with a population of 20,035, has a median income of 40,898, reflecting an affordable cost of living with a median home value of 88,500. The workforce demonstrates a lower percentage of college-educated residents and minimal remote work, suggesting a reliance on local or regional employment opportunities. Homeownership stands at 49.7%.
Homeowners in Harvey are paying more for electricity than ever. ComEd rates have surged and are projected to keep climbing. A $0 down solar lease can trade utility volatility for a predictable solar payment, while cash purchase and financing options are available for homeowners who prefer ownership.
Harvey experiences distinct seasonal solar production, with peak irradiance from May through August, reaching over 6 kWh/m²/day. The annual global horizontal irradiance averages 3.9 kWh/m²/day, indicating a consistent solar resource. The generally flat terrain typical of the region supports straightforward installations, though individual lot characteristics can influence suitability.
Solar in Harvey by the Numbers
The local figures behind every estimate on this page: who owns homes in Harvey, how much sun those roofs get, and what a typical system here produces.
- Location
- Cook CountyHarvey, Illinois
- Population
- 20,035U.S. Census ACS 2022
- Owner-occupied homes
- 3,58449.7% of 9,455 housing units
- Median home value
- $88,500Solar-added value is 100% property-tax exempt in IL
- Median household income
- $40,898Solar for All eligibility is set by county income limits
- Usable sun hours per year
- 1,4265% below the Illinois average (1,499)
- Sampled roof capacity
- 142 panels~74,640 kWh/yr DC (est.) on a representative Harvey roof, Google Solar API
- Typical system here
- 5.5 kW~7,227 kWh/yr est. at 3.9 peak sun hours/day
Sources: U.S. Census Bureau ACS 5-Year (2022), Google Solar API building insights, Google Geocoding. Production and savings figures are estimates.
What Makes Solar Different in Harvey
With 64.2% single-family homes and a median build year of 1955, Harvey's housing stock largely consists of older properties. Over 70% of homes predate 1980, suggesting roof updates may be necessary for solar readiness. The community's affordable single-family homes offer suitable structures for rooftop solar.
Why Harvey Homeowners Are Going Solar
$
Strong IL Incentives
Illinois Shines RECs, $300/kW DG rebate, and 100% property tax exemption offset the expired federal ITC.
☼
3.9 Sun Hours/Day
Harvey gets enough sun to power most homes. Modern panels work great even on cloudy days.
☗
Home Value Boost
Solar adds value to your home — and Illinois exempts 100% of that value from property taxes.
★
Energy Independence
Stop being at the mercy of utility rate hikes. Own your power and control your energy costs.
ComEd Electricity Rates in Harvey
Current ComEd Rate
17.07¢
per kWh
ComEd residential electricity rates have increased +90% over the past 5 years, from 9¢/kWh to 17.07¢/kWh. That's nearly double what Harvey homeowners were paying just a few years ago.
Rate Trend Alert
Rates are projected to reach 19¢/kWh next year. PJM 2027-28 auction: $333.44/MW-day (new record, hit FERC price cap, still left 6,623 MW reliability shortfall). Northern IL faces capacity shortfalls by 2029.
Fix Your Rate With Solar
A solar lease gives you a rate as low as 10¢/kWh, predictable for 25 years — the full schedule is set in your contract. After that, keep the system for a low buyout and pay $0/mo. Meanwhile, ComEd rates keep climbing.
Solar Incentives Available in Harvey
Even without the federal tax credit, Illinois homeowners have access to some of the best solar incentives in the country.
Illinois Shines RECs (ComEd)
~$7,046*
50% paid in the first year after installation, remaining 50% in quarterly payments over 6 years. REC values went up for the new program year. Cash/finance buyers receive directly; lease customers benefit through lower payments.
Eligibility: Residential systems under 25 kW in ComEd territory
DG Rebate (Solar)
$300/kW
$300 per kW rebate from your utility. Average system in Harvey is ~5.5 kW (~$1,650 est.).
Eligibility: All IL residential solar with Ameren/ComEd
100% Property Tax Exemption
100%
Your home value increases but property taxes stay the same. Permanent exemption, no sunset date.
Eligibility: All IL residential solar installations
Solar for All (ILSFA)
No Solar Payments
Official state program for income-eligible households. No solar payments, no upfront costs, no credit check. Guaranteed savings on your electricity bill. Own your system after 6 years.
Eligibility: Household income at or below 80% Area Median Income (AMI)
Net Metering Credits
~6-8¢/kWh
Earn credits for excess solar energy sent back to the grid. Credits never expire.
Eligibility: All new solar installations
Total Estimated Incentive Value
~$8,696+*
Solar Options in Harvey
Estimates based on average home in Harvey. Your actual costs and savings depend on your roof, shading, and usage. Get a free custom quote.
MOST POPULAR
25-Year Solar Lease + Battery
~$105/mo
$0 down — start saving from day one
Avg. ComEd bill$123/mo
Solar electricity
$60/mo~602 kWh/mo × $0.10/kWh (est.)
⏻ Battery Backup
$45/moIncluded on all 25-year leases
- ✓ Backup power during outages
- ✓ Use more of your solar in real-time
- ✓ Less energy sent to the utility
Est. solar + battery$105/mo
Avg. ComEd bill$123/mo
Predictable rate for25 years — set in your contract
Installer claims RECs + business ITC and carries the 15-year production contract liability — not you. Those savings are passed through as lower lease payments. Maintenance, monitoring, and repairs included for the full lease term. After 25 years, keep the system for a low fair-market buyout — then $0/mo for the remaining life of the panels.
Get Your $0 Down QuoteCash / Finance Purchase
$6,429
True cost after all incentives
System size5.5 kW
Gross cost (~$2.75/W)$15,125
DG/Smart Inverter rebate-$1,650
Cost after DG rebate (~90 days)$13,475
IL Shines RECs (50% yr 1 + quarterly)-$7,046
True net cost$6,429
Years of pure profit25+ years
25-year est. ROI~$42,380
After ~4.7 years breakeven, it's pure profit and inflation protection for the remaining 20+ years. Panels last 30+ years.
50% of your REC value is paid in the first year, remaining 50% quarterly over 6 years. You carry the 15-year production contract but keep full control and the lowest overall cost. Higher long-term ROI — you own the system and all production.
Get Cash/Finance QuoteAll figures are estimates based on area averages. Your actual savings will be calculated during a free consultation based on your specific home, roof, and energy usage.
Your Solar Savings Over Time
Estimated 25-Year Total Savings
$42,380
Without Solar
With Solar
Year 1Profit Starts Here
$1,476
$1,338
Year 5
$8,320
-$124
Year 10
$19,455
$7,519
Year 15
$34,355
$16,198
Year 20
$54,296
$26,352
Year 25
$80,980
$38,600
| Year | Without Solar | With Solar | Cumulative Savings |
|---|---|---|---|
| Year 1Profit Starts | $1,476 | $1,338 | $138 |
| Year 2 | $3,041 | -$4,348 | $7,389 |
| Year 3 | $4,699 | -$2,965 | $7,664 |
| Year 4 | $6,457 | -$1,558 | $8,015 |
| Year 5 | $8,320 | -$124 | $8,445 |
| Year 6 | $10,296 | $1,338 | $8,958 |
| Year 7 | $12,389 | $2,831 | $9,558 |
| Year 8 | $14,609 | $4,357 | $10,251 |
| Year 9 | $16,961 | $5,919 | $11,042 |
| Year 10 | $19,455 | $7,519 | $11,936 |
| Year 11 | $22,098 | $9,160 | $12,938 |
| Year 12 | $24,900 | $10,845 | $14,055 |
| Year 13 | $27,870 | $12,577 | $15,293 |
| Year 14 | $31,018 | $14,360 | $16,658 |
| Year 15 | $34,355 | $16,198 | $18,158 |
| Year 16 | $37,893 | $18,094 | $19,799 |
| Year 17 | $41,642 | $20,053 | $21,590 |
| Year 18 | $45,617 | $22,079 | $23,538 |
| Year 19 | $49,830 | $24,177 | $25,653 |
| Year 20 | $54,296 | $26,352 | $27,943 |
| Year 21 | $59,029 | $28,611 | $30,418 |
| Year 22 | $64,047 | $30,958 | $33,089 |
| Year 23 | $69,366 | $33,401 | $35,965 |
| Year 24 | $75,004 | $35,946 | $39,058 |
| Year 25 | $80,980 | $38,600 | $42,380 |
How Going Solar Works
1
Free Consultation
We analyze your ComEd bill, roof, and energy usage to design the optimal system for your home.
2
Custom Proposal
You get a detailed proposal with estimated costs, savings, incentives, and financing options — no surprises.
3
Permitting & Design
We handle all permits, utility paperwork, and ComEd interconnection — you don't lift a finger.
4
Professional Installation
Our certified installers complete the installation in 1-2 days. Quality equipment with 25-year warranties.
5
System Activation
Your system goes live, monitoring starts, and your actual bill can be compared against the proposal projections.
Real Installations Across Illinois
Not stock photos. These are homes we helped go solar.
“41 panels, $10/month electric bills. Ryan stayed on top of the project from start to finish.”
Bruce BrooksShiloh, IL
“$10/month Ameren bills since June 2023. Outstanding knowledge and responsiveness.”
Rod HinrichsFreeburg, IL
“Ryan is knowledgeable, caring, and a really good listener. I highly recommend discussing solar with him.”
LH
Linda HaycraftShiloh, IL
Solar FAQ for Harvey
An average 5.5 kW system in Harvey costs approximately $15,125 before incentives. After the DG rebate and estimated Illinois Shines SREC (~$7,046 — starting June 2026, 50% paid as a lump sum, remaining 50% in quarterly payments over 6 years), the estimated net cost drops to around $6,429. Actual costs vary based on your home and system size.
Your savings depend on roof layout, usage, and whether you include battery backup. For Harvey, our model estimates a lease payment around $105/month against an average ComEd bill of $123/month. A custom quote compares lease, cash purchase, and Solar for All to find the best monthly and long-term outcome.
Installation is generally efficient outside of extreme winter cold or peak summer heat. Spring and fall offer moderate temperatures, ideal for roof work. The highest solar production occurs from late spring through early autumn, making installations completed before this period advantageous.
The process typically involves several stages, from initial assessment and design to permitting and final installation. In a small city like Harvey, local permitting processes are usually manageable, contributing to a standard overall timeline for system activation.
Given the median home age of 1955 and 70.8% of homes built before 1980, roofs in Harvey should be thoroughly inspected for structural integrity and remaining lifespan. Modern single-family homes are well-suited, but older properties may require roof repairs or replacement.
Harvey's climate brings seasonal changes affecting solar production. While winter months see lower irradiance due to shorter days and potential snow cover, the summer months yield strong production. The annual GHI of 3.9 kWh/m²/day reflects a viable year-round solar resource.
RECs are measured per 1,000 kWh of solar production — more panels and more sunlight means a higher value. An average Harvey system (~5.5 kW) produces ~7,227 kWh/year = 7.2 RECs/year. Over the 15-year contract, the estimated customer value is ~$7,046 (85% of gross). Starting June 2026, 50% is paid as a lump sum after installation, with the remaining 50% in quarterly payments over 6 years. Cash/finance buyers receive this directly. Lease customers benefit through lower payments. See our REC Calculator for a custom estimate.
Solar installations can enhance property appeal in Harvey's market, characterized by affordable single-family homes and a median value of 88,500. For the 49.7% of homeowners, adding solar may contribute positively to property characteristics during resale.
With a 30-year minimum panel lifespan and a ~4.7-year breakeven in Harvey, that's approximately 25+ years of pure profit and inflation protection. After breakeven, your electricity cost drops to near-zero while utility rates keep climbing.
Pro Tips
1
Prioritize a comprehensive roof inspection for homes built before 1980 to ensure structural soundness and adequate lifespan for a solar array.
2
Evaluate potential shading from mature trees on residential lots to optimize system placement and maximize energy capture throughout the year.
3
Consider the typical orientation of older single-family homes to determine the most effective roof surfaces for solar panel installation.
See Solar on YOUR Home
Upload a photo of your house and our AI will show you what solar panels would look like — instantly.
Ready to talk? Call Ryan directly:
(618) 217-2001More Solar Resources for Harvey
Savings Calculator
Detailed year-by-year savings breakdown
Incentive Guide
All available solar incentives
Electricity Rates
ComEd rate history & projections
Solar FAQ
Common questions answered
From the Blog
ComEd Bills Spiking Again — June 2026Record capacity costs hitting ComEd customers
Solar Incentives 2026 — Complete GuideEvery rebate, credit & program still available
Solar Battery Backup in IllinoisWhat it powers and whether it's worth it
Data Centers Drove 70% of Rate SpikeHow Big Tech is raising your electric bill
Statewide Solar Guides That Apply in Harvey
Local solar numbers depend on your utility, Illinois incentive rules, and state program eligibility.
Also Serving Near Harvey
We provide solar consulting to homeowners throughout Illinois
Go Solar With $0 Down
See if your Harvey home qualifies for a $0 down solar lease. No obligation, no pressure — just real numbers for your situation.
✓ Lease, cash, or Solar for All — we find the best option for your home
ComEd rates are projected to rise again. Waiting means more months exposed to utility increases.