2026 Bellevue (98004) Line-Item Benchmark Schedule Labor Index: 1.26x
Use this schedule when reviewing quotes from contractors in Bellevue, WA. Quotes exceeding these ranges by more than 18% typically contain dealer financing markups or unitemized overhead.
| PSE / Seattle City Light / SnoPUD Benchmark (98004) | Without Solar (Utility Tariff) | With 11.4 kW Solar + Battery | Net Homeowner Impact |
|---|---|---|---|
| 2026 Residential Electric Rate | $0.138 / kWh (+19.4% in 3 yrs) | $0.068 / kWh Levelized | Locks in hedge against utility rate hikes |
| System Investment & 30% Federal Tax Credit | $0 Upfront ($1,908/yr forever) | Gross: $40,937 / ITC: -$12,281 | Net Cost: $28,656 (15 yr payback) |
| 25-Year Cumulative Utility Spend vs. Savings | -$65,826 | +$37,170 Net Savings | Includes 4.1 hrs/day peak solar irradiance |
Interactive 98004 Property Customizer Real-Time Math
Local Code, Rebate & Insurance Mandate Notes for ZIP 98004
Insurance & Wind/Hail Rule (King County): Algae/moss-resistant copper-granule shingles and high-flow ridge ventilation are critical in Zone 4C.
2026 Incentives & Utility Rebates: WA Sales Tax Exemption on Solar + PSE Heat Pump Conversion Rebates ($2,400)
Permitting Authority: All structural roofing, electrical panel, and mechanical replacements in 98004 must be permitted through City of Bellevue Building & Permitting Division (King County) (Design Wind Speed: 110 MPH).
Frequently Asked Questions — Bellevue, WA (98004)
What is the current electric rate for PSE / Seattle City Light / SnoPUD in 98004?
Residential customers in Bellevue, WA (98004) served by PSE / Seattle City Light / SnoPUD pay an average of $0.138/kWh, following a 19.4% tariff increase over the past 3 years.
How fast is the solar payback period in Bellevue, WA (98004)?
With 4.1 peak sun hours per day and the 30% federal tax credit ($12,281 savings on an 11.4 kW system), the average payback period in 98004 is 15 years, generating $37,170 in cumulative 25-year savings.