Harnessing the Sun, With Help From Cities

Rick Clark’s garage is loaded with fast toys for playing in the sun. He has a buggy for racing on sand dunes, two sleek power boats for pulling water skiers, and a new favorite: 48 solar panels that send his energy meter whirring backward.

Bronzed and deeply lined from decades of life in the desert sun, Mr. Clark is not one to worry about global warming. He suspects that if the planet’s climate is getting hotter, it is part of a natural cycle and will probably correct itself. “Experts have been wrong before,” he said.

But late last year, Mr. Clark decided to install a $62,000 solar power system because of a new municipal financing program that lent him the money and allows him to pay it back with interest over 20 years as part of his property taxes. In so doing, he joined the vanguard of a social experiment that is blossoming in California and a dozen other states.

The goal behind municipal financing is to eliminate perhaps the largest disincentive to installing solar power systems: the enormous initial cost. Although private financing is available through solar companies, homeowners often balk because they worry that they will not stay in the house long enough to have the investment — which runs about $48,000 for an average home and tens of thousands of dollars more for a larger home in a hot climate — pay off.

But cities like Palm Desert lobbied to change state laws so that solar power systems could be financed like gas lines or water lines, covered by a loan from the city and secured by property taxes. The advantage of this system over private borrowing is that any local homeowners are eligible (not just those with good credit), and the obligation to pay the loan attaches to the house and would pass to any future buyers.

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