Thomas Pools & Spas > News > Pool & Spa > How to Navigate Inground Pool Cost
  • Thomas Pools & Spas
  • Pool & Spa
  • No Comments

A refreshing splash on a hot day, the luxury of lounging by the water, and the envy of friends and family – many homeowners dream of adding an inground pool to their properties. Yet, the thought of the costs associated with it often puts this dream on the back burner. Fortunately, understanding these costs can help turn your dream into reality.

Factors Influencing Inground Pool Cost

Size & Depth

Your pool’s dimensions, unsurprisingly, play a significant role in the inground pool cost. A more expansive pool with greater depth will typically require more materials and labor, thereby increasing the price.


The type of material you choose will dictate both the upfront cost and long-term maintenance. Vinyl is often the most affordable but may need replacement in a decade or two. Fiberglass, on the other hand, boasts longevity but at a higher initial cost. Concrete pools offer a durable and customizable option, yet come with increased maintenance requirements.

Location & Soil Type

If you’re located in a region with rocky soil or high water tables, expect excavation costs to climb. Different geographical locations may also have varying labor rates, impacting the overall price.

Custom Features

Dream of a slide or an elegant waterfall? These enhancements, while adding a touch of luxury, also add to the cost. Moreover, unique lighting options or advanced filtration systems can further increase your pool’s price tag.

Heating & Filtration Systems

The choice between a standard pump and an energy-efficient one, or deciding on a solar heater versus a gas one, can create variations in the initial and operational costs.

Installation and Labor

While the DIY route might seem tempting to save some bucks, consider the expertise, equipment, and potential pitfalls. Professional installation ensures adherence to safety standards and typically offers warranties for peace of mind.


Before breaking ground, ensure you’re in line with local regulations. Securing the necessary permits may come with fees, so it’s essential to budget for these.


Time is money. Extended installation periods might mean added costs, especially if you’re renting equipment or facing unpredictable weather.

Ongoing Maintenance and Operational Costs

Cleaning & Chemicals

A pristine pool requires consistent care. From chlorine to pH balancers, the chemicals needed for a clean and safe swimming environment form a recurring cost.


Though built to last, pools aren’t immune to wear and tear. Anticipate expenses for possible future liner replacements, filter fixes, or even surface refinishing.

Utility Bills

While it’s a joy to swim at night or in heated water, these comforts can elevate your electricity and water bills. It’s wise to factor these into your monthly budget.

Hidden Costs & Overlooked Factors


After installation, the surrounding area may need some TLC. Whether you’re replanting grass or adding a deck, these projects come with their own costs.


Adding a pool might increase your home insurance rates. It’s a good idea to check with your provider beforehand to avoid unexpected hikes.

Safety Features

Beyond the joy and luxury a pool offers, safety is paramount. Investing in fences, alarms, or covers is not only a wise choice but, in many locales, a legal requirement. This is an important part of the inground pool cost to consider.

Financing Your Inground Pool


Several financial institutions offer loans tailored for pool installations. Researching these can help you find competitive interest rates and terms.

Home Equity

Tapping into your home’s equity can provide the funds needed for your pool. However, ensure you’re comfortable with the repayment terms and any implications for your property.

Payment Plans

Some pool companies offer flexible payment options, allowing you to spread out the costs over time. Always read the fine print and understand any associated interest rates or fees.


Pools are undeniably a fantastic addition to any home, both for leisure and property value. However, going into the project with a clear understanding of the costs ensures a smooth process, free from unwelcome financial surprises. Remember, thorough research and consulting professionals will always serve you well in making the right choices for your dream pool.

Looking to get a more detailed cost breakdown tailored to your needs and location? Reach out to us to start your pool journey with confidence.

Author: Thomas Pools & Spas

Leave a Reply