How much does an inground pool cost?

Installing an inground pool in your backyard can provide you and your loved ones with a beautiful outdoor space to relax and have fun. Inground pools are great for hosting pool parties, practicing water aerobics, and learning how to swim. Inground pools (also known as underground pools) can also boost property value by maximizing your home’s utility. 

How much does an inground pool cost?

If you've started pricing out an inground pool, you've probably noticed there's a pretty wide range of estimates. On average, homeowners spend about $65,909, but costs typically fall somewhere between $44,499 and $87,349. That's because no two pool projects are exactly alike.

The type of pool you choose, its size, your location, site conditions, and any extras—like decking, lighting, or water features—can all have a big impact on the final price tag.

It's also important to think beyond the installation itself. A pool isn't just a one-time expense; it's something you'll own and enjoy for years to come. Maintenance, chemicals, utilities, repairs, and equipment replacements all come with ongoing costs that can add up over time.

When budgeting for a pool, it's worth looking at the full picture—not just what it costs to build today, but what it will cost to maintain long-term. A little planning upfront can help ensure your dream backyard stays enjoyable long after the construction crew leaves.

Inground pool cost by type

The type of inground pool you install can significantly impact project costs. The most commonly installed inground pools are made of concrete, vinyl, or fiberglass:

At a glance: Vinyl pools typically have the lowest upfront cost, fiberglass pools tend to offer the lowest maintenance costs, and concrete pools provide the most customization and longest lifespan—but often come with the highest long-term maintenance expenses.

Inground pool cost by style

If you're looking to make the design unique, or increase the functionality, you can expect a higher price tag:

Factors that impact the cost of an inground pool

Size

On average, you'll spend between $90 to $250 per square foot. As an example, rough estimates can come in around:

• 10x10 pool size: $17,500
• 14x28 pool size: $34,000
• 16x32 pool size: $44,800
• 20x40 pool size: $70,000

Location and site preparation

The location of your home and preparation of your pool site will also impact inground pool costs. Cities and counties with a higher cost of living will likely have higher-priced labor. The area in and around your inground pool will also impact project costs.

Installing an underground pool typically requires excavation. In order to excavate properly, contractors consider soil conditions and leveling needs. Sometimes, homeowners need to build a retaining wall for additional support, which adds to the cost of installation. A few scenarios that might need to be addressed before inground pool installation can begin are:

• Sloped areas in your backyard
• Trees that need to be trimmed down
• Patio or backyard demolition
• Location of underground plumbing

Permits and regulations

Depending on your city’s or county’s regulations, you may need to get a permit before you can build an inground pool on your property. Permits can cost anywhere between $450 and $1,800. It’s also wise to hire a pool builder that is familiar with local regulations to ensure compliance and avoid delays. 

Labor costs

The cost of labor varies based on geographical region and contractor experience. In general, you can expect this to make up anywhere from 25% to 50% of your total pool installation costs. In general, inground pool contractors charge between $55 and $150 per hour. Keep in mind multiple contractors may be required to complete the job safely and in a timely manner. 

The type of pool you select will also impact labor costs because different materials require different amounts of work. Shaping concrete can take about 20-60 days after excavation, while installing a prefab fiberglass pool might take about half that time from start to finish. 

Maintenance 

Pool maintenance costs are also worth considering. Although you won’t be spending this money upfront, you will have to pay for annual maintenance over the life of your underground pool. How much you spend on pool maintenance will depend mostly on the type of pool you install. Annual pool maintenance fees range from $500 to $4,000 and can include regular maintenance, as well as repairs, water supply, and electricity costs.

Custom features

Enhancing your inground pool with custom features can also drive up the cost of installation. While adding custom water features isn’t required, may homeowners are drawn to the upgrades. Here are some common pool features and their corresponding prices:

• Waterfall: $1,500–$5,000
• Slide: $1,500–$20,000
• Diving boards: $300–$5,000
• Pool lighting: $200 per light
• Pool fence: $1,500–$10,000
• Pool decking costs: $3,000–$12,000

How to save money on inground pool costs

As you've probably noticed by now, installing an inground pool can be a significant investment. The good news? There are several ways to keep costs under control without giving up on your backyard dreams.

Choose a simple design

One of the easiest ways to save money is to keep your pool design simple. Custom shapes, waterfalls, slides, specialty lighting, and other premium features can quickly add thousands to your project budget. Sticking with a standard pool design and cost-effective materials can help lower upfront costs, and you can always add upgrades down the road if your budget allows.

Tackle some prep work yourself

Many pool companies offer turnkey installations that include excavation, materials, and construction. However, some homeowners choose to handle certain parts of the project themselves to save money.

For example, preparing the site or managing debris removal may reduce labor costs. That said, excavation isn't a DIY project to take lightly. Before digging, make sure you understand local regulations, know where underground utility lines are located, and have a plan for safely removing soil and debris. A mistake can quickly become more expensive than hiring a professional in the first place.

Install during the off-season

Like many home improvement projects, pool installation often follows seasonal demand. Contractors tend to be busiest during the summer months when everyone is thinking about pool season.

If your timeline is flexible, consider scheduling your installation during the fall or early spring. Contractors may have greater availability and be more willing to offer competitive pricing. Getting quotes from multiple installers and comparing bids well before peak season can also help you find the best value.

Compare multiple contractor quotes

Pool pricing can vary considerably from one contractor to another. Before signing a contract, try to gather at least three quotes and compare not only the total price, but also what's included. A lower bid isn't always the better deal if it excludes features, permits, or services you'll need later.

With a little planning and comparison shopping, you may be able to save thousands on your pool project while still ending up with a backyard you'll enjoy for years to come.

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While inground pools come with a lot of different costs, there are also many ways to save on this type of project. If you’re willing to compromise on size, excavate the pool site yourself, and build in the off-season, you could significantly reduce total project cost. However, if you’d prefer to include special amenities, such as a quartz finish or diving board, there are financing options available.

Pay for your inground pool with a Home Equity Investment from Point. Borrowers can forgo excessive credit evaluations and don’t have to worry about monthly payments. Explore Point’s HEIs here.