Subscription vs. Co-Op: Which Community Solar Option Is Right for You?
Introduction
So you’ve discovered that you can go solar in Canada without owning a roof — amazing, right? But now you’re stuck on the next question: should you subscribe to a community solar project or invest in a co-op share?
While both options let renters, condo owners, and those with shaded roofs benefit from solar energy, they’re not the same. From cost and commitment to long-term savings and flexibility, your choice depends on your lifestyle, finances, and how long you plan to stay in one place.
In this post, we’ll break down the differences between solar subscriptions and co-op ownership in plain English — so you can pick the option that fits your life and your budget.
What’s the Difference Between a Subscription and a Co-Op?
At a glance, both models let you “go solar” without installing panels yourself. The key difference?
Ownership.
| Feature | Subscription | Co-Op Ownership |
|---|---|---|
| Ownership | You don’t own the panels | You own a share in the solar project |
| Upfront Cost | Usually none or low | Typically $500–$5,000 buy-in |
| Monthly Cost | Fixed rate or % discount on bill | No monthly fee — earnings depend on performance |
| Savings | Bill credits, often 5–15% off | Annual dividends or credits |
| Portability | Usually portable if you move nearby | Varies — depends on co-op rules |
| Ideal For | Renters, short-term residents | Long-term thinkers, community investors |
Example:
In Nova Scotia, the Solar Garden program works like a subscription — you get credit on your power bill each month. In Ontario, SolarShare operates as a co-op where you invest and receive annual returns.
The Case for Subscriptions: Flexible and Low Commitment
If you’re renting, relocating often, or just want to dip your toe into clean energy, subscription models make a lot of sense.
✅ Pros:
- No large upfront cost
- Can cancel or move with little hassle
- Immediate savings on your electricity bill
- Available in emerging pilot programs in NS, PEI, and Alberta
❌ Cons:
- You don’t own anything
- Long-term savings may be smaller than ownership
- Limited availability in some provinces
Real Canadian Use Case:
Alex, a renter in Halifax, subscribed to a community solar garden. He saved ~$20/month and had the flexibility to cancel with 30 days’ notice when he moved to a new building.
The Case for Co-Op Ownership: Long-Term Gains & Local Impact
If you’re staying in your community long-term and want to support grassroots solar, a co-op model may be a better fit.
✅ Pros:
- You become a solar system part-owner
- Earn annual returns (often 3–6%)
- Support local, community-driven clean energy
- Fixed investment — no ongoing bills
❌ Cons:
- Requires upfront payment
- May not be transferable if you move provinces
- Less suitable for short-term renters
Real Canadian Use Case:
Maria, a homeowner in Guelph, invested $1,000 in SolarShare and receives ~$40/year in returns. She loves supporting solar without needing roof space.
Questions to Ask Before You Sign Up
Whether it’s a subscription or co-op, make sure you understand what you’re joining.
Ask:
- What’s the term of the agreement? Can I leave early?
- How do I receive savings or returns?
- Are my credits linked to my utility account or my address?
- What happens if I move?
- Who manages the system and handles maintenance?
Tip: Programs backed by provincial energy agencies (like Efficiency Nova Scotia or Solar Alberta) tend to have clearer terms and stronger oversight.
Which Model Is Best for You? A Quick Decision Guide
| If You Are… | Go With… |
|---|---|
| A renter who may move in 1–2 years | Subscription |
| A long-term resident who supports local energy | Co-op ownership |
| Wanting to maximize short-term savings | Subscription |
| Wanting to invest and earn returns | Co-op ownership |
| Unsure and want flexibility | Start with subscription |
Still not sure?
Enter your postal code on Solenery Insights to see exactly what’s available in your area — you might be surprised by what pops up.
Conclusion
When it comes to community solar in Canada, both subscriptions and co-op ownership offer renters and homeowners new ways to join the clean energy transition — no roof required.
Subscriptions are simple and flexible; co-ops are empowering and investment-focused. Whichever path you choose, the important part is getting started.
