How Much Does an Inground Pool Cost?

Get personalized loan rates in 60 seconds for inground pool costs, all without affecting your credit score.

Check Offers
A customer audio logo designed in green and white to enhance SEO-Informative impact.
Five stars with the word excellent and informative for SEO purposes.
A woman is using the Fiona Template to control her smart home app on her phone.

Inground Pool Costs: Construction, Maintenance & Payment Options

Are you dreaming of your own backyard oasis? A place to relax, entertain, and soak up the sun? You may be wondering how you can make that dream a reality with an inground pool. Before you dive in, there are a few things to consider.

Check Offers

Ready To Secure Inground Pool Cost Financing For Your Home?

Quick. Simple. Secure.

How To Finance Inground Pool Costs With Acorn Finance:

Check offers today to get personalized loan rates for inground pool costs in 60 seconds without affecting your credit score.
A blue icon with a leaf on a monitor and a phone.


Fill out an easy online form to check for pre-qualified offers with no impact to your credit score
A mobile phone and a tablet with a list on it.

Select offer

Compare terms and payment options to select the offer that’s best for you
A mobile phone and a tablet with a building on it.

Finish application

Complete your application on your selected lender’s website
A hand holding a dollar sign.

Receive funding

After your loan is approved, your funds should arrive within 1-2 business days2

Simple & Straightforward Inground Pool Cost Financing

Check offers
in seconds

Get pre-qualified for loan offers with an easy online form

Won't impact
credit scores

Checking offers will not impact your credit score

payment options

Compare rates from our network of lenders

funds quickly

Same-day and next-day available for certain offers2

Compare Rates From Lenders in Our Network

Are inground pools worth the cost?

If you are considering getting an inground swimming pool, the question "is it worth the cost?" has likely come up. Read on to learn how much your new inground pool might cost, and how you can finance the expenses.

Inground Pool Costs: Frequently Asked Questions

How much does it cost to build an inground pool?

With a national average of around $51,800 for the complete construction of a new inground pool, you can expect to spend between $38,000 and $70,000 depending on the size, type and features of your new pool. With an average pool size of 14x28 reaching a 6.5 ft. depth, that's around $50-$125 per square foot. If you're like most Americans, you might be wondering how the heck you can afford that price tag. The secret? Financing.

Should you get a home improvement loan to pay for an inground pool?

One option for financing your new pool is to get a home improvement loan. If you can afford monthly installments, financing your new inground pool with a home improvement loan can be a straightforward solution. Plus, you can get access to those funds quickly. Other benefits include. . .

  • No collateral. Unsecured home improvement loans do not require you to put up any of your assets in order to obtain financing, meaning your home is not at risk. Opting for an unsecured loan can expedite the loan process as well.
  • Competitive interest rates. Secured loans can be used for pool financing, and often have the lowest interest rates. However, they're challenging to qualify for and risky in the sense that if you default the bank can repossess your home. Turn to an unsecured home improvement loan for competitive interest rates and loans that do not require collateral.
  • Fixed monthly payments. Home improvement loans offer fixed monthly payments, thus making budgeting less of a headache. Just put the loan on autopay and go enjoy your new swimming pool.

Acorn Finance can help connect you with lenders so you can obtain the financing you need, fast. With no hard credit inquiry, browsing offers will have no impact on your credit. Choose the loan terms that work best for you, in just a few clicks.

What is the return on investment of building an inground pool?

While you're considering the costs of a new inground pool, you may be wondering if this change will increase the value of your home. Although the national average of ROI (return on investment) for a pool is around 7%, that will vary significantly due to a number of factors.

#1. Condition. If you're considering investing in an inground pool strictly to up your resale value and anticipate selling quickly, you can expect the pool to be in good condition - which can help increase your return.

#2. Type of pool. Not only will the type of pool impact your ROI but the size can as well. Most buyers still want to see a good chunk of usable yard space in addition to a pool, so keep that in mind when planning.

#3. Age. If you don't plan on selling in the relatively near future, you can expect to not receive the same ROI on your pool as if it were new. Things are always changing in the pool industry and buyers will prefer newer, more modern building techniques and materials.

Costs of Building & Maintaining an Inground Pool - Things to Consider

When determining a budget for your new inground pool, there might be more to consider than you think. Several factors can impact the cost - and should be considered ahead of time. Let's review some inground pool costs and what you should know.

  • Materials:
    • Concrete. Concrete pools are the most durable and customizable of the three types. They are constructed by pouring concrete into a form, which is then reinforced with steel. Concrete pools can be designed in any shape or size, and can include features like waterfalls, beach entries, and tanning ledges. However, they are also the most expensive and time-consuming to install, and require regular maintenance to prevent cracks and leaks.
    • Vinyl. Vinyl pools are constructed by lining a hole in the ground with a vinyl liner. They are typically less expensive than concrete pools, and can be installed more quickly. Vinyl pools come in a variety of shapes and sizes, but are not as customizable as concrete pools. They are also less durable than concrete or fiberglass, and the liner may need to be replaced every 5-10 years, depending on how well it is maintained.
    • Fiberglass. Fiberglass pools are pre-manufactured shells that are installed in a hole in the ground. They are the easiest and quickest to install of the three types, and require less maintenance than concrete or vinyl. Fiberglass pools come in a range of shapes and sizes, but are not as customizable as concrete. They are also less durable than concrete, but more durable than vinyl. The cost of fiberglass is generally in line with the coat of vinyl.
  • Depth: According to the Red Cross, if you plan on diving into your pool, it should be a minimum of 9 ft. deep. Consider the depth of your pool and how it will be used. Keep in mind that deeper pools usually cost more. Taking a cost shortcut with a shallow pool may cost you in the long run.
  • Permits: Building permits, and in some cases separate permits for electrical, can total between $450-$1800 depending on your location. Most often, your contractor will take care of this for you and it will be rolled into your total bill.
  • Excavation: The size, and shape of your pool will determine just how much ground needs to come up. You can typically expect a larger pool, like a lap pool, to cost you more in excavations.

Other costs that may be rolled into a new inground pool loan may include funds for; fencing, filters, heating elements, pumps, electrical (including lighting), and decking.

What costs are involved in owning an inground pool? (Include Cost)

Ongoing costs to consider as a pool owner may include the following.

  • Color. Believe it or not, the color of your pool can affect the long term cost. This is because a dark colored pool, like black or navy, should hold heat more efficiently than a white bottomed pool - saving you on heating costs.
  • Maintenance. Another long term cost will be maintenance. Keep in mind that due to concrete's porous surface, algae grows quicker - so a concrete pool may cost more in maintenance and chemicals over the years.
  • Property taxes. The specific impact on your taxes will depend on a number of factors, including the location of your property, the value of your home, and the local tax laws in your area. You can typically expect any large upgrade to your home to affect home's assessed value, which will usually increase your property taxes.
  • Maintenance. The annual cost of pool maintenance can vary depending on the size of your pool, the type of pool you have, and where you live. Annual costs can typically range between $2,000 and $6,000 for chemicals, equipment, water, energy and professional services when needed.


Starting any new home improvement project can be stressful and adding an inground pool is no exception. Acorn Finance can help take some of the stress off by connecting you with a lender to finance your new inground pool project. Acorn Finance puts you in control of selecting the best inground pool financing by offering an accessible platform to compare competitive loan offers. Within 60 seconds or less (and no credit impact) you can unlock inground pool financing offers that do not require collateral. Keep your finances above water - check pool financing offers at Acorn Finance today!

See More Home Improvement Cost-Related Content:

What are the pros and cons of inground pool costs?

Shelling out the money to build a new inground pool comes with pros and cons. Here are some things to consider:


Increased home value
Customization (incomparable to an above ground pool)
Enhanced family bonding time



Safety concerns
Climate limitations
Costs (upfront & maintenance)


I am adding a hot tub and other patio enhancements to my house. My experience using Acorn Finance was excellent.

Tracey E.

Kentucky | Patios & Decks

I am extending my patio. My contractor informed me of possible financing and the Acorn Finance experience was awesome, very easy.

Monica L.

Texas | Patios & Decks

The whole process itself was just so fluid, all the way through to the end. I was thinking it can't be this easy, but it really was!

Janina D.

Kentucky | HVAC

I am adding a hot tub and other patio enhancements to my house. My experience using Acorn Finance was excellent.

Tracey E.

Kentucky | Patios & Decks

I am extending my patio. My contractor informed me of possible financing and the Acorn Finance experience was awesome, very easy.

Monica L.

Texas | Patios & Decks

Compare Rates From Top Lenders

Inground Pool Cost Financing Calculator

Are You A Contractor? Stop Thinking & Start Doing with Acorn Finance.

Offer customers the ability to finance their dreams with zero dealer fees.

Get Started

Popular Home Improvement Projects

Barn Financing Options

One home, endless possibilities


Personal Loan Information