Thinking About an In-Ground Pool? Here’s What You Should Consider

Installing an in-ground pool is a major decision one that can transform your backyard into a personal oasis, boost your home’s value, and give your family years of enjoyment. But like any significant home project, it’s important to understand the full picture before diving in. If you’re considering an in-ground pool, here are the key factors to think through before making the investment.

1. Your Purpose: How Will You Use the Pool?

Start with why you want a pool.

• Relaxation and entertaining? A larger lounging area, baja shelf, or built-in spa may be ideal.
• Exercise? A lap lane or rectangular design works best.
• Kids and family activities? Gradual entry, safety features, and ample shallow space matter.

Clarifying your purpose early shapes the size, depth, and style of your pool.

2. Pool Type: Concrete, Fiberglass, or Vinyl?

Each pool type comes with its own benefits and maintenance needs:

• Concrete (Gunite): Fully customizable and durable but requires more maintenance and periodic resurfacing.
• Fiberglass: Quick installation, smooth surface, lower maintenance, but limited to pre-made shapes.
• Vinyl Liner: Most budget-friendly option with flexible shapes but liners need replacement every 7–10 years.

Your long-term budget, design preferences, and timeline will help narrow this down.

3. Budget: Beyond the Pool Itself

The cost of a pool extends well beyond the initial install. Consider:

• Excavation & permits
• Landscaping and patio/decking
• Fencing, required in many municipalities
• Pool equipment: pump, heater, lighting, automation
• Ongoing maintenance: chemicals, opening/closing, repairs
• Utility costs: heating and running the pump adds to monthly bills

A realistic budget prevents surprises and helps determine what features are most important to you.

4. Location, Zoning, and Property Layout

Before you dig, evaluate your yard:

• Sun exposure: More sun = warmer water and lower heating costs.
• Soil type & grading: Rock, clay, or steep slopes can increase install cost.
• Setback requirements: Municipal codes often dictate how close the pool can be to property lines.
• Utilities: Avoid underground lines, septic systems, or drainage paths.

A qualified pool builder will help verify all zoning and code restrictions.

5. Features & Add-Ons

Today’s pools are more customizable than ever. Popular options include:

• Waterfalls or fountains
• LED lighting
• Saltwater systems
• Automatic covers
• Sun shelves & built-in benches
• Fire features
• Automation systems controlled from your phone

Every feature adds cost, so decide what’s essential vs. nice-to-have.

6. Maintenance & Care

An in-ground pool is a long-term commitment. Ask yourself:

• Will you maintain the pool yourself or hire a service?
• Do you understand the seasonal responsibilities (opening, closing, winterizing)?
• Are you prepared for equipment repairs, chemical balancing, and water testing?

Knowing what maintenance looks like helps you prepare for the ongoing effort.

7. Insurance & Liability

Adding a pool often means:

• Increasing your homeowner’s insurance coverage
• Adding liability protection
• Meeting safety requirements like fencing, alarms, or locking covers

Call your insurance provider before you begin construction so you know how a pool will impact your premium.

8. Resale Value

In the right neighborhood, an in-ground pool can boost your home’s appeal. But in colder climates or areas where pools are uncommon, they may not significantly increase value. Consider:

• Local buyer expectations
• Seasonal climate
• Long-term market appeal

Install a pool because it matches your lifestyle not only for resale.