Pool Cost Calculator

National surveys for 2024-2026 put a standard inground pool at $28,000-$55,000 for vinyl liner, $45,000-$85,000 for fiberglass, and $55,000-$150,000+ for concrete/gunite. Angi 2026 guide reports an average of $65,909 installed, with most homeowners paying $44,499-$87,349. This page estimator prices a typical 14x28 ft vinyl pool at $33,560.

Angi 2026 reports $90-$250 per square foot of pool surface for inground pools. In this estimator, a 14x28 ft (392 sq ft) vinyl pool at $33,560 works out to about $85.61 per sq ft. Concrete/gunite runs higher per square foot than vinyl or fiberglass.

Vinyl liner pools are the cheapest inground option to install ($28,000-$55,000), but budget for a liner replacement of $1,200-$3,500 every 8-10 years. Modeled DIY operating cost for a vinyl pool is about $1,995 per year, or $19,950 over 10 years.

Angi 2026 reports an average of $1,100-$5,700 for above-ground pools, with DIY kits from about $800 and elaborate installs with decking up to $15,000. This estimator prices a 24-ft round above-ground pool with pro install at $4,817 (typical range $3,854-$6,022).

Typical timelines: fiberglass 3-6 weeks, vinyl liner 4-8 weeks, concrete/gunite 8-16 weeks plus curing time. Permits alone often take 3-4 weeks, and spring/summer contractor backlogs can add months, so start getting quotes a year ahead if you want to swim next season.

Yes, almost everywhere: building, electrical and sometimes fencing permits are required for inground pools. Permit and fee totals commonly run $500-$2,000; individual permits can be as low as $50-$100 each. Budget 4-8 weeks for approval in busy jurisdictions.

Usually, yes. Insurers commonly add $50-$150 per year for the increased liability, and most require code-compliant fencing plus a locking gate. Many agents recommend raising liability coverage to at least $500,000 when you add a pool.

Often. An inground pool typically raises the assessed value of the property, and surveys report annual property tax increases of roughly $300-$800. This model uses $450 per year as a national placeholder; check your county assessor.

Inground pools add roughly 5-8% of home value nationally (about $26,000 on a $400,000 home), 10-15% in Sun Belt markets, and near zero in cold climates. That is 39.4% of an average $65,909 install, so most owners do not recoup the full project cost. Above-ground pools are usually treated as personal property and add little or no appraised value.

Labor is 25-55% of a typical inground project, so owner-builder projects can save roughly 15-30%. On a $50,000 project, a full owner-builder approach saves about $15,000 in this model. Partial DIY (owner handles decking, landscaping, cleanup) saves about 15%. Structural, plumbing and electrical work still needs licensed pros.

At 7% APR over 15 years, a $60,000 pool loan costs $539.30 per month with $37,073 total interest. At 8.5% APR over 20 years, an $85,000 loan costs $737.65 per month with $92,036 total interest. Use the Financing tab above with your own rate and term.

Budget $1,200-$3,000 per year for a typical inground pool. This model estimates $1,995 per year ($166/month) DIY for a vinyl chlorine pool, or $5,375 per year with weekly pro service on a concrete saltwater pool with gas heat. Winterizing adds $200-$500 per year in cold climates.

Saltwater pools use less purchased chlorine (about $220/year here vs $420/year for a vinyl chlorine pool) but need a salt cell replacement roughly every 5 years, modeled as $160 per year in reserve. Many owners find saltwater slightly cheaper and easier on skin, but the upfront salt system costs about $1,600.

A built-in spa typically adds $15,000-$20,000 on top of the pool (Angi 2026). In this estimator, a 20x40 ft concrete pool with spa, automatic cover and heater prices at $180,000 total, with $32,500 of that in add-ons.