Florida Solar Estimate

Electric cooperative

Solar with Suwannee Valley Electric Cooperative (SVEC)

Suwannee Valley Electric Cooperative (SVEC) members pay 18.1¢ per kWh and no demand charge; a typical home's solar pays back in about 13 years.

See the numbers for your address

At a glance

Energy rate
18.1¢/kWh
tiered by monthly use, riders included
Fixed charge
$50/mo
$50 minimum bill
Demand charge
None
every offset kWh saves the full rate
Net-metering limit
No stated cap
exports paid at wholesale

Residential schedule effective December 1, 2025; checked November 1, 2026. Sources.

What this means for solar

  • Power you use on site saves the full retail rate; power you export is credited at about 8.00¢ per kWh, well below retail, and credits offset energy charges only.
  • Suwannee Valley Electric Cooperative (SVEC) has no residential demand charge, so every kWh solar offsets saves the full energy rate.
  • The policy states no size cap; above that, capacity would run without export credit.
  • There is a $100 interconnection fee.

A typical home: 1100 kWh a month, electric heat

Net-zero system
9.1 kW
1451 kWh per kW per year
Installed cost
as low as$19,599
up to $23,954
First-year savings
up to$1,517
at least $1,330
Payback
as low as11.5 yrs
11.5–15.3 yrs at 2.7%/yr

Best-case figures with the range shown; Florida's tax exemptions included. Production reference: Live Oak. Your roof, usage and heating change every number, which is what the estimate is for.

Full schedule and net-metering rules
Fixed charge
$50 per month; minimum bill $50
Energy
13.10¢ up to 1,000 kWh; 17.20¢ above that; plus 0.92¢ per kWh in riders
Net metering
Exports 'credited by an amount equal to the product of' kWh delivered to the grid and the 'base cost of power [80 mills] plus the applicable WPCA factor for the month'. Application fee $100 (<=10 kW) or $10/kW (>10 kW). >10 kW requires $1M liability insurance; GPR <=90% of service rating.
Notes
Rates exclude the Wholesale Power Cost Adjustment (+/- $0.0001 per 0.1 mill vs 80.0-mill base; current factor not published). Ancillary meter $1.15/day.
Effective
December 1, 2025; checked November 1, 2026

Questions members ask

Does Suwannee Valley Electric Cooperative (SVEC) pay for excess solar power?
Power you use on site saves the full retail rate; power you export is credited at about 8.00¢ per kWh, well below retail, and credits offset energy charges only.
How big a solar system can I net-meter with Suwannee Valley Electric Cooperative (SVEC)?
The policy states no size cap. The interconnection fee is $100.
Does Suwannee Valley Electric Cooperative (SVEC) have a demand charge?
Suwannee Valley Electric Cooperative (SVEC) has no residential demand charge, so every kWh solar offsets saves the full energy rate.
What would solar cost and save for a typical Suwannee Valley Electric Cooperative (SVEC) home?
For a electrically heated home using about 1100 kWh a month, a net-zero system is about 9.1 kW, costs roughly $19,599 to $23,954 installed, saves $1,330 to $1,517 in the first year, and pays back in 11.5 to 15.3 years at 2.7% a year rate growth. Your address gives a real figure in about a minute.
What federal incentives apply in 2026?
Florida exempts solar equipment from sales tax and keeps the value it adds off your property-tax bill, and both are already in these figures. Business-owned systems, including rental property, qualify for the 30% federal investment credit (Section 48E) and bonus depreciation when placed in service by the end of 2027; tax-exempt owners receive the 30% as cash. Not tax advice.
Where do these numbers come from?
The rate figures are read from Suwannee Valley Electric Cooperative (SVEC)'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 Live Oak and Florida installed-cost data. If you spot an error, email us and we will correct it.

Service area

Tampa Electric (TECO)Florida Power & LightDuke Energy FloridaFlorida Public Utilities (FPUC)Kissimmee Utility Authority (KUA)Lake Worth Beach Electric UtilityLakeland ElectricLee County Electric Cooperative (LCEC)City Of LeesburgBaldwin County El Member CorpCity Of Moore HavenCity Of BartowCity Of Mount DoraNew Smyrna Beach Utilities CommissionCity Of NewberryOcala Electric UtilityPeace River Electric Cooperative (PRECO)Orlando Utilities Commission (OUC)City Of QuincyReedy Creek Improvement DistSouthern Pine Electric CooperativeCity Of StarkeSECO Energy (Sumter Electric Cooperative)City of Tallahassee UtilitiesTalquin Electric CooperativeThree Notch Electric Member CorpCity Of BlountstownTri-County Electric Cooperative (Madison)Alabama PowerCity Of AlachuaCity Of WauchulaWest Florida Electric CooperativeCity Of WillistonWiregrass Electric CooperativeWithlacoochee River Electric Cooperative (WREC)City Of BushnellOkefenoke REMCCentral Florida Electric Cooperative (CFEC)City Of ChattahoocheeChoctawhatchee Electric Cooperative (CHELCO)Clay Electric CooperativeCity Of ClewistonColquitt Electric Membership CorpCovington Electric CooperativeCity of Winter Park Electric UtilityEscambia River Electric Cooperative (EREC)Florida Keys Electric Cooperative (FKEC)City Of Fort MeadeFort Pierce Utilities AuthorityGainesville Regional Utilities (GRU)Georgia PowerGlades Electric CooperativeGrady Electric Membership CorpCity Of Green Cove SpringsGulf Coast Electric CooperativeHavana Power & Light CompanyCity Of HomesteadBeaches Energy Services (Jacksonville Beach)JEA (Jacksonville)Suwannee Valley Electric Cooperative (SVEC)
Suwannee Valley Electric Cooperative (SVEC)'s service territory (highlighted). Hover a region to see its utility.

Solar by city in Suwannee Valley Electric Cooperative (SVEC)'s area: Live Oak. All Florida cities.

Other Florida co-ops: Withlacoochee River Electric Cooperative (WREC), Clay Electric Cooperative, SECO Energy (Sumter Electric Cooperative), Peace River Electric Cooperative (PRECO), Lee County Electric Cooperative (LCEC), Talquin Electric Cooperative. All 34 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
    SVEC Rates, Fees & Deposits page and SVEC tariff Sheet 6.1 (7th Revised, eff. 12/01/2025, FPSC Doc. 15244-2025); Customer Facilities Charge $1.65/day x 365/12; rider = Idalia Cost Recovery $0.0092/kWh
    Effective December 1, 2025 · Checked November 1, 2026 · Read from the primary source
  2. Net-metering / distributed-generation policy
    Exports 'credited by an amount equal to the product of' kWh delivered to the grid and the 'base cost of power [80 mills] plus the applicable WPCA factor for the month'. Application fee $100 (<=10 kW) or $10/kW (>10 kW). >10 kW requires $1M liability insurance; GPR <=90% of service rating.
    Checked November 1, 2026 · Read from the primary source
  3. Service territory on the map
    HIFLD Electric Retail Service Territories (U.S. DHS / Oak Ridge National Laboratory), Florida subset, 2020 vintage; boundaries are coarse at town edges
    Checked November 1, 2026 · Read from the primary source
  4. Worked example: production, installed cost, savings and payback
    Florida Solar Estimate engine: PVGIS-ERA5-based production reference for Live Oak (1451 kWh per kW per year after shading and soiling and orientation), installed-cost ladder (Florida cash-price range, Oct 2026), 2.7%/yr rate escalation and 0.5%/yr panel degradation
    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.