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How much does it cost to install a pool? Budgeting for your backyard oasis

  • Writer: Liberty Mason Work Company
    Liberty Mason Work Company
  • Jul 19
  • 6 min read

Dreaming of a refreshing dip on a hot summer day, right in your own backyard? Installing a pool can transform your home into a personal oasis, offering endless entertainment, relaxation, and even a boost to your property value. However, one of the first questions homeowners ask is, "How much will it cost?" The answer varies significantly depending on the type of pool, materials, and features you choose. Understanding the budgeting factors is key to turning your pool dream into a reality.


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Average costs by pool type (Inground vs Above-Ground)

The most significant factor influencing your pool installation cost is whether you opt for an inground or above-ground pool. Each comes with a distinct price range due to differences in complexity, materials, and labor.


Inground pools

Inground pools are built directly into the ground, offering a seamless look and often greater design flexibility. They generally have a higher upfront cost but also tend to add more long-term value to a property.


  • Concrete (Gunite/Shotcrete) Pools: These are the most customizable and durable, allowing for any shape or size.

    • Average Cost: $50,000 to $100,000+

    • Factors: Highly variable based on size, shape, depth, finishes (plaster, tile, aggregate), and additional features like tanning ledges or waterfalls.

  • Fiberglass Pools: Pre-manufactured shells that are set into an excavated hole.

    • Average Cost: $40,000 to $85,000

    • Factors: Faster installation, smooth non-porous surface (less maintenance), limited shapes/sizes, and cost influenced by the size of the shell and complexity of the site.

  • Vinyl Liner Pools: Feature a custom-fit vinyl liner installed over a steel, polymer, or concrete wall structure.

    • Average Cost: $35,000 to $70,000

    • Factors: More affordable inground option, flexible shapes, and liner replacement needed every 7-15 years (an ongoing cost).


Above-ground pools

Above-ground pools are freestanding structures that sit on top of the ground. They are a much more budget-friendly option and often a good choice for temporary solutions or smaller yards.


  • Basic Above-Ground Pools: These typically include the pool structure, liner, pump, and filter.

    • Average Cost: $3,000 to $10,000

    • Factors: Price depends on size, material (steel, aluminum, resin), and quality of components. Installation can often be a DIY project or a simpler professional job.

  • Decked or Semi-Inground Above-Ground Pools: These involve building a deck around the pool or partially excavating to set the pool into the ground, creating a more integrated look.

    • Average Cost: $10,000 to $25,000+

    • Factors: Costs increase significantly due to decking materials, labor for construction, and excavation.


Factors that influence pool installation costs

Beyond the pool type, several other critical factors will shape your final pool project budget.


Excavation and permits

These are foundational costs that vary significantly based on your property and local regulations.


  • Site Accessibility: If your backyard is difficult to access for heavy machinery, it can drive up excavation costs. Limited access might require smaller equipment or more manual labor.

  • Soil Conditions: Rocky soil, high water tables, or unstable ground can lead to additional excavation time, specialized equipment, and potentially costly soil stabilization measures.

  • Grading and Leveling: The topography of your yard will affect how much earth needs to be moved to create a level pool area.

  • Permits and Inspections: Local regulations require permits for pool installation, which incur fees and necessitate inspections at various stages. These fees vary by municipality but can range from $500 to $2,000+. Failing to obtain proper permits can lead to fines and rework.


Materials and labor

The quality of materials and the expertise of your installation team are major cost drivers.


  • Pool Materials: As discussed, concrete, fiberglass, and vinyl liner pools have different material costs. Within each type, premium finishes (e.g., pebble plaster vs. traditional plaster, full tile vs. waterline tile) will increase the price.

  • Decking Materials: The material for your pool deck greatly impacts the budget. Options include:

    • Basic Concrete: Most affordable.

    • Stamped or Stained Concrete: Adds decorative appeal at a mid-range cost.

    • Pavers: Offer durability and design versatility, typically at a higher cost.

    • Natural Stone (Travertine, Flagstone): Premium options with significant aesthetic appeal and higher costs.

    • Wood/Composite Decking: Can be integrated but requires specific structural considerations.


  • Filtration and Pump Systems: The heart of your pool's operation. More powerful, energy-efficient pumps and advanced filtration systems (e.g., sand, cartridge, DE) will cost more initially but save money on utilities long-term.

  • Sanitation Systems: Standard chlorine systems are common, but alternative options like salt chlorine generators, UV sanitizers, or ozone generators will add to the initial cost.

  • Labor Costs: This is often the largest portion of the budget. Labor rates vary by region, the contractor's experience, and the complexity of the installation. A reputable contractor will have skilled crews for excavation, plumbing, electrical, and finishing.


Landscaping and finishing touches

These elements transform a simple pool into a complete backyard oasis.


  • Fencing: Most localities require pool fencing for safety and liability. Costs vary by material (e.g., aluminum, vinyl, wood, glass) and height/design.

  • Landscaping: Incorporating plants, trees, and garden beds around the pool area can significantly enhance its beauty but adds to the cost.

  • Lighting: Underwater LED lights, perimeter lighting, and mood lighting around the patio create ambiance and extend usability into the evening.

  • Water Features: Adding waterfalls, fountains, or deck jets can dramatically increase aesthetic appeal but also project complexity and cost.

  • Heating: Pool heaters (gas, electric heat pump, solar) allow for extended swimming seasons but are a significant investment and incur ongoing utility costs.

  • Automatic Pool Covers: A major safety feature and can help retain heat, but these are a substantial upfront expense.

  • Outdoor Kitchens/Living Areas: Integrating a full outdoor kitchen, fire pit, or covered lounge area will significantly increase the overall project cost, creating a true backyard resort.


Pool installation timeline

The timeline for pool installation varies widely depending on the type of pool and project complexity.


  • Above-Ground Pools:

    • Basic Installation: Can often be completed in 1-3 days once the site is prepared.

    • With Decking: May take 1-3 weeks depending on the deck's size and complexity.

  • Inground Pools: These are more involved and require multiple stages and inspections.

    • Overall Project: Typically takes 6-12 weeks from excavation to final fill, but can extend to several months depending on weather, custom features, and contractor scheduling.

    • General Stages:

      1. Permit Acquisition: 1-4 weeks (can happen concurrently with initial planning).

      2. Excavation: 1-3 days.

      3. Structure Installation:

        • Concrete (Gunite): Shell sprayed in 1-2 days, then needs 7-10 days to cure.

        • Fiberglass: Shell delivered and set in 1-2 days.

        • Vinyl Liner: Walls assembled in 1-3 days, liner installed in 1 day.

      4. Plumbing and Electrical: 3-5 days.

      5. Decking Installation: 1-3 weeks (can overlap with interior finishing).

      6. Interior Finish (for Concrete): Plastering or finishing takes 1-2 days, followed by initial fill and chemical balancing.

      7. Final Cleanup and Startup: 1-2 days.


Remember, this timeline doesn't include the time spent on initial consultations, design, or financing approval, which can add several weeks or even months to the overall process.


How to choose the right pool contractor

Selecting the right pool contractor is paramount for a successful and stress-free installation. This is a major investment, so take your time and do your research.


  1. Check Licensing and Insurance: Ensure the contractor is properly licensed in your state for pool construction and carries comprehensive general liability and workers' compensation insurance. Request proof and verify it. This protects you from financial responsibility in case of accidents or damage.

  2. Review Their Portfolio: Look at examples of their completed pool projects. Do their designs and quality align with your vision? Pay attention to the details of their craftsmanship.

  3. Read Reviews and Testimonials: Check online platforms (Google, Yelp, Houzz, BBB) for client feedback. Look for consistent positive comments regarding communication, adherence to timelines, budget transparency, and post-installation support.

  4. Get Multiple Detailed Bids: Obtain at least three written estimates that clearly itemize all costs: excavation, pool shell/liner, decking, filtration system, electrical, permits, and any desired features. Be wary of bids that are significantly lower than others, as they might indicate cut corners or hidden fees.

  5. Inquire About Warranties: A reputable contractor will offer a warranty on both their labor and the pool structure/components. Understand what is covered and for how long.

  6. Verify Experience and Specialization: Ask how long they've been in business and if they specialize in the type of pool you're interested in (e.g., custom concrete, fiberglass installations).

  7. Communication and Rapport: Choose a contractor with whom you feel comfortable communicating openly and who is responsive to your questions. A good working relationship is vital for a smooth project.

  8. Understand the Contract: Read the entire contract thoroughly before signing. It should outline the scope of work, payment schedule, timeline, change order procedures, and dispute resolution.


By carefully vetting contractors and understanding the key cost and timeline factors, you can confidently budget for and build the pool of your dreams, turning your backyard into the ultimate outdoor living space.

 
 
 

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