What South Carolina Sellers Need to Know About Solar Panels Before They Sell

Solar panels can be a smart energy choice — but in South Carolina, they can create serious surprises when you sell.

Here’s what every homeowner should understand before listing.

1. Solar Panels Aren’t Part of Your Home’s Appraised Value
Unlike states such as California or Arizona (where solar panels “attach” to the property by law), South Carolina classifies them as personal property. They can be removed, sold, or replaced — which means appraisers and lenders don’t add their value to the home.

2. Buyers May or May Not Want Them
Some buyers love solar for green energy or utility savings; others worry about maintenance and insurance. Don’t assume it adds market appeal for everyone.

3. Monthly Payments Affect Buyer Affordability
If you’re leasing panels or have a loan, that monthly payment counts against a buyer’s debt-to-income ratio. A $150 solar payment can reduce their mortgage eligibility by roughly the same amount — which shrinks your buyer pool.

4. Plan Your Payoff Before You List
Some solar lenders require the balance to be paid before closing and won’t accept proceeds from the sale. That surprises many sellers — and can blow up your own financing if you use credit cards to cover it.

I had clients who did exactly that with $16 K in solar debt — and it temporarily killed their next purchase. We found them a new home and got them closed, but it took months to untangle.

5. Talk With Your Realtor and Lender Early
Before you list, review your solar loan terms and your buyer’s DTI impact. A strategic
plan can save you time, money, and stress.

Bottom Line: Solar panels can lower bills and support sustainability — but they add layers of complexity when you sell.
My job is to help you navigate those numbers, negotiate smartly, and get you to the closing table on time.
Call or text me at (864) 572-7807, or connect through my website.