So, How Much Does an Inground Pool Cost in 2025?
Thinking about diving into your own backyard paradise? Whether you’re dreaming of relaxing weekend floats or pool parties that stretch into the night, an inground swimming pool can transform your home. But before you start picking out floaties, let’s talk dollars.
Inground pool cost isn’t just one number. It depends on a whole mix of things like the pool type, size, materials, extras (like lights or heating), installation complexity, and even where you live. On average, you’re looking at anywhere from $35,000 to $90,000+ to get a pool in the ground. And that’s before adding the cherry on top – those sweet extras like covers, pumps, or a fancy waterfall.
In this deep dive, we’ll break down:
- Types of inground pools (comparing maintenance of fiberglass, vinyl, and concrete pools)
- Price ranges for each
- DIY vs. professional installation
- Accessories and running costs
- Small inground pool options
- Inground pool kits and prefab solutions
- How to save money without cutting corners
Let’s get to it.
Types of Inground Pools (And How They Affect the Price)
When it comes to choosing your pool, the material you pick sets the tone for your entire project – both style-wise and cost-wise. Here’s how the three main inground pool types stack up.
Fiberglass Inground Pools
Fiberglass pools are pre-molded shells that are delivered and dropped into an excavated hole. They’re super quick to install and low-maintenance, making them a popular choice. Studies show a well-built fiberglass pool shell can last 50 years or more, saving you resurfacing costs.
Average cost: $45,000–$70,000
Pros:
- Quick install (2–3 weeks)
- Smooth, algae-resistant surface
- Low long-term maintenance
Cons:
- Limited shapes/sizes
- Craning the shell into place can be tricky
If you’re curious what that looks like, check out a prefab fiberglass pool shell, which shows how quickly these pools go from shell to splash-ready.
Concrete (Gunite) Inground Pools
The classic custom option. Concrete pools are hand-shaped and finished on-site, allowing full design freedom.
Average cost: $60,000–$100,000+
Pros:
- Fully customizable (shape, size, depth)
- Durable and long-lasting
Cons:
- Takes months to build
- Higher maintenance and chemical needs
- Prone to surface cracking over time
If you’re considering a concrete option, you might be wondering: what exactly is gunite, and how does it compare to other finishes?
Vinyl Liner Inground Pools
These have a custom or prefab frame lined with a vinyl sheet. They’re the most budget-friendly inground option.
Average cost: $35,000–$55,000
Pros:
- Lower upfront cost
- Softer on feet (great for kids)
Cons:
- Liner needs replacing every 7–10 years ($4k–$6k)
- Less durable than fiberglass or concrete
Small Inground Pool Cost
Don’t have a ton of space (or cash)? Small inground pools, often called “cocktail pools” or “plunge pools,” are compact but mighty.
Size: Usually under 12×20 feet
Cost: Starts around $25,000–$45,000
Why consider one?
- Great for small yards
- Easier to heat and maintain
- Still perfect for lounging or soaking
Pro tip: Add a few spa jets and turn your small pool into a hybrid hot tub.
Inground Pool Kits & DIY Options
If you’re the hands-on type and not afraid of a shovel, you might consider a DIY inground pool using a kit. These kits come with all the components – walls, liner, fittings – and let you build it yourself or with hired help.
Kit prices: $7,000–$15,000 (just for materials)
Full DIY cost (with excavation, labor, etc.): $20,000–$40,000
Best for: Vinyl liner pools
Pros of DIY Pools:
- You control the timeline
- Lower labor costs
- Customizable options
Cons:
- Time-consuming and physically demanding
- Errors can be costly
- Permits, inspections, and codes can get overwhelming
This guide provides a guideline on permit application procedures, required documents, and safety standards, ensuring homeowners can navigate the permitting process with ease.
Must-Have Equipment That Affects Inground Pool Cost
It’s not just the hole and the water – your pool needs gear to run smoothly. Here’s a look at common equipment and what you might spend.
Pump & Filter
- Cost: $700–$2,000
- Essential for keeping water clean and circulating
Pool Heater
- Gas or electric: $1,500–$3,500
- Solar: $3,000–$5,000
- Worth it if you want to extend your swim season. Not sure which heating method is best for your setup? We’ve broken it all down in our full guide.
Lighting
- Basic LED lights: $300–$700 each
- Underwater lights add serious ambiance
Pool Cover
- Manual: $500–$2,000
- Automatic safety cover: $8,000–$15,000
- Helps with heat retention and safety
- Solar pool covers safe you money in the long run
Automation & Smart Controls
- Basic automation systems: $1,500–$3,000
- Control pump, lights, and heaters from your phone
Don’t forget ongoing pool chemicals, water testing kits, cleaning tools, and maybe a robotic pool cleaner (they’re amazing, trust me).
What About the Running Costs?
Okay, you’ve paid for the pool – but what about keeping it swimmable year after year?
Monthly Running Costs (Ballpark):
- Electricity (pump, heater, lights): $30–$100
- Chemicals: $50–$100
- Maintenance (DIY or service): $0–$150
- Water top-ups: $10–$30
So you’re looking at $100–$300/month, depending on how hands-on you are and your local climate.
Want to cut those numbers? Look into solar heaters, variable-speed pumps, or even saltwater systems.
For more on running costs, check out our pool maintenance cost article!
Bonus Costs You Might Not Expect
Pool builds don’t always stick to the script. Here are some hidden costs that can sneak up:
- Permits and inspections: $500–$2,000+
- Landscaping and fencing (often required): $2,000–$10,000
- Hardscaping (like patios or decking): $3,000–$15,000
- Soil or drainage issues: Add thousands if your yard isn’t pool-ready
For those considering a unique design alternative, a modern shipping container-style pool can offer both visual appeal and cost savings on installation and space.
Cheap Inground Pools: Do They Exist?
Short answer: yes, but with trade-offs.
Ways to Save on Inground Pool Cost:
- Go with a vinyl liner or small fiberglass model
- Consider a plunge pool instead of full-size
- Use a DIY inground pool kit
- Skip the luxury features (for now)
- Install in fall or winter (contractors may offer deals)
Cheap inground pools aren’t a myth, but balancing price and quality is key. Cutting corners on materials or installation can cost more down the line.
Want to cut water waste and lower bills? These pool water conservation strategies offer smart ways to make your pool more eco-friendly.
Is an Inground Swimming Pool Worth It?
If you’re still on the fence (or staring over it at your neighbor’s pool), let’s look at the bigger picture.
Pros:
- Boosts home value (in warm climates especially)
- Perfect for family bonding and entertaining
- Built-in relaxation, right at your doorstep
Cons:
- High upfront and ongoing costs
- Not a “set it and forget it” install
- Can take months from start to splash
But if a pool fits your lifestyle and budget, it’s one of the most rewarding home additions you’ll ever make.
Final Thoughts: Your Pool, Your Rules (and Budget)
The bottom line? Inground pool cost varies widely depending on size, materials, features, and how you build it. From fiberglass elegance to DIY vinyl liner options, there’s a pool out there to match almost every budget – even if it’s not Olympic-sized.
While above ground pools put many people off due to aesthetics and durability, there are several that are incredibly durable and visually appealing.
Here’s your quick takeaway
- Budget: Start with at least $35,000 for a basic setup
- Pool type matters: Concrete is the most expensive, vinyl is the cheapest
- Accessories add up: Plan for covers, heaters, lights, and automation
- Running costs are ongoing: Around $100–$300/month
- Small or DIY pools: Great ways to save without sacrificing the fun
Still dreaming of that first cannonball? Don’t let the numbers scare you off. With smart planning and the right approach, your perfect inground swimming pool is totally within reach.
Ready to take the plunge? Start by sketching out your dream pool – and your budget. Then, check out our guides on installation, maintenance, and smart pool gear to get crystal-clear confidence before you build.
Stay cool out there!
Upgrade your backyard with this sleek, saltwater-resistant fiberglass pool – built for durability, easy installation, and modern luxury.
FAQs – Frequently Asked Questions
Fall and early winter are ideal for scheduling installs. Contractors are less busy, and material costs may be lower. You’ll also be ready to swim by the time summer rolls around.
Depending on the type, expect 4 to 12 weeks. Fiberglass is quickest, while concrete takes longer due to curing and custom work. Weather, permits, and inspections can also impact timelines.
Yes, a site survey helps identify underground utilities, soil conditions, and grading issues. It prevents costly surprises and ensures your pool meets local zoning and safety regulations.
Absolutely. Home improvement loans, pool financing companies, HELOCs, and personal loans are common options. Rates vary, so compare lenders and always factor in interest over time.
Yes, combining the pool install with new construction can save on labor, access, and permits. It also helps integrate plumbing, electrical, and landscaping plans for a more seamless finish.
