Building a swimming pool in your backyard is a dream for many homeowners, especially in warmer climates. However, the high cost of traditional in-ground pools often acts as a barrier. The good news is that there are several cost-effective ways to enjoy the benefits of a swimming pool without breaking the bank. In this guide, we explore the cheapest and most practical ways to build a swimming pool while maintaining functionality and durability.
Understanding Your Goals and Budget
Before diving into construction methods, it’s essential to define your pool usage goals and financial boundaries.
Define the Purpose of the Pool
Pools serve different purposes, and this will influence the type and cost of the pool you choose. Some common purposes include:
- Relaxation and recreation
- Exercise and fitness
- Entertaining guests
- Aesthetic appeal
A pool used strictly for lounging or cooling off may not need to be deep or large, allowing for a more affordable design.
Set a Realistic Budget
Pool costs can vary widely—from a few hundred dollars to tens of thousands. Knowing how much you’re willing to spend upfront and what you’re comfortable paying for ongoing maintenance will guide your decision.
Types of Pools and Their Costs
Not all pools are created equal. Here’s a breakdown of the most affordable pool types:
1. Above-Ground Pools
Above-ground pools are typically the least expensive option for homeowners looking to install a pool without significant earthwork or construction.
Cost Range:
- Basic Steel or Aluminum Frame Pool: $1,500 – $4,000
- Wood-Framed Above-Ground Pool: $3,500 – $8,000
These pools come in standard shapes (most commonly round or oval) and can be installed within a few hours to a couple of days.
2. Stock Tanks and Animal Water Troughs
Surprisingly, heavy-duty stock tanks originally used for cattle can be repurposed as backyard pools—offering a rustic, ultra-low-cost alternative.
Cost Range:
- Steel or Galvanized Stock Tanks: $200 – $1,000 depending on size
While small (usually 5–6 feet in diameter and around 2 feet deep), these tanks can serve well for kids or personal cooling during summer heat.
3. DIY Inflatable Pools
For short-term, temporary use, inflatable pools are the cheapest way to cool off. They require no installation, and most models come with a built-in pump.
Cost Range:
- Basic Inflatable Pools: $30 – $300
- Larger Family-Size Inflatables: $400 – $1,000
While these are not ideal for daily use or serious swimming, they serve well for kids or hot-weather lounging.
4. Swimming Pools with Simple Designs (Simple In-Ground Pools)
If you’re set on a permanent-looking pool, go for a simple in-ground design made from cost-effective materials like concrete or vinyl.
Cost Range:
- Vinyl Liner In-Ground Pools: $15,000 – $30,000
- Basic Concrete In-Ground Pools: $25,000 – $50,000
While more expensive than above-ground options, they offer a sleek look, durability, and full customization.
What Factors Affect the Overall Cost of a Pool?
Beyond choosing the type of pool, several external and internal factors influence the final price.
1. Location and Terrain
Site preparation plays a significant role. If your backyard already has a flat terrain, your groundwork costs will be minimal. Rocky, sloped, or soft soil can significantly increase labor and machinery expenses.
2. Size and Depth
A smaller, shallow pool will cost less to install and maintain. You can save money by avoiding features like beach entries, tanning ledges, or deep end sections unless absolutely necessary.
3. Materials and Finishes
Cheaper materials like vinyl and basic concrete surfaces will trim costs from your pool project. However, luxury finishes such as tiles, glass mosaics, and natural stone come at a considerable premium.
4. Pool Equipment and Add-ons
The initial pool cost doesn’t stop at the structure—it includes:
- Pumps and filters
- Chlorinators or salt systems
- Ladders and steps
- Pool covers
- Heaters (optional)
Choosing budget-friendly, essential equipment can significantly reduce upfront costs.
Step-by-Step Guide to the Cheapest DIY Pool Installation Options
For homeowners who want the most cost-effective solution, doing the work yourself—where applicable—can dramatically reduce expenses.
1. Choose and Purchase a Stock Tank Pool or Inflatable Option
If you’re not looking for luxury or long-term permanence, a stock tank or inflatable pool is the easiest route. A 200-gallon galvanized tank costs less than $500 and installs within an afternoon. Pair it with a small filter system and a water pump to keep the water clean.
2. Install an Above-Ground Pool with a Metal Frame or Resin Base
Above-ground pools with steel or resin frames can be set up in 1–2 days. All you need is a level base—preferably concrete pavers or a ground tarp with some gravel base. Some manufacturers offer starter kits with all needed components (liner, frame, filter, ladder), which further simplifies the process.
3. Build a Simple In-Ground Swimming Pool with a Vinyl Liner
If you have basic tools and some manual labor, you can dig a square or rectangular hole in your backyard and install a vinyl-lined pool. Kits are available that provide a steel wall frame, a skimmer, a bottom plate, the liner, and a filter-pump combo. With some DIY labor and reduced landscaping, this can be a more affordable route to a permanent pool.
Steps Involved:
- Mark and dig the hole
- Add a sand base
- Assemble steel wall panels
- Place the liner carefully
- Attach the skimmer and install filtration
- Add the pump and run electricity
While some aspects (like electrical work) require professional help, the core of the construction is surprisingly affordable when done partially yourself.
Smart Money-Saving Tips When Building a Pool
If you’re serious about keeping costs low, a few expert strategies can help you shave thousands off your pool project.
1. Avoid Complicated Shapes
Custom freeform pools—while attractive—are much pricier. Sticking to square, rectangular, or oval shapes typically costs less in excavation, labor, and materials.
2. Do Some of the Work Yourself
Whether it’s clearing land, leveling the ground, or doing minor plumbing, contributing to the physical labor can cut labor costs by 10–30%. Be realistic about your competencies, though, and don’t overextend on tasks like electrical or structural work.
3. Buy Equipment and Liners Secondhand
Many homeowners sell gently used pool pumps, ladders, filters, and even steel pool kits when they upgrade or move. Online marketplaces like Facebook Marketplace, Craigslist, or even local classified ads are often great sources for discounted materials.
4. Choose Off-Season Installation Times
Avoid planning your pool installation during peak summer. Contractors are busiest during warm months, meaning demand is high and prices are less negotiable. Winter or early spring installations can bring lower quotes and availability for better workers.
5. Reuse Excavated Soil as Landscaping Material
If you’re having any type of in-ground pool installed, you’ll have to excavate. Rather than paying a company to haul away the dirt, consider using it to raise garden beds, build berm gardens, or backfill landscaping features.
The Most Cost-Effective Pool Types Compared
To help compare the cheap pool options more clearly, here’s a side-by-side summary:
| Type | Pros | Cons | Installation Cost | Best For |
|---|---|---|---|---|
| Stock Tank | Very affordable, quick setup, portable | Small size, no filtration system included | $200 -$1,000 | Temporary use, kids, small spaces |
| Inflatable Pool | Low upfront cost, no installation | Not durable, requires frequent setup | $30 -$1,000 | Temporary fun, budget-conscious buyers |
| Bolt-Together Above Ground | Easy to install, durable, long-term option | Limited visual appeal, needs base prep | $1,500 -$4,000 | First-time pool owners |
| Vinyl Liner In-Ground | Customizable, more permanent | Liner replacement every 5–10 years | $15,000 -$30,000 | Homeowners seeking in-ground look |
Real-World Examples of Low-Cost Pools
Let’s look at a few real cases where budget-focused homeowners found affordable ways to install their dream pools:
Example 1: “Garden Friendly” Stock Tank Pool
A homeowner in Arizona transformed a 6-foot galvanized cattle tank into a backyard pool by setting it into the ground. With a small skimmer system and solar pump, the total cost came in under $800. It was used during the hottest days of the summer and doubled as an outdoor soaking tub.
Example 2: DIY Above-Ground Pool with Resin Frame
A parent in Georgia selected a round 18-foot above-ground pool with a resin frame for $2,200. Instead of hiring contractors, they recruited friends to help with landscaping and ground leveling. The result was a safe, durable pool for under $3,500—including a ladder, filter, and cover.
Example 3: Custom DIY In-Ground Vinyl Pool
An avid swimmer in Texas built a 20’x10’ vinyl in-ground pool for under $18,000. He dug the hole with a mini excavator, laid down a sand base, and did the structural assembly himself. He hired an electrician for the wiring and pump setup, which added $1,500 to the project.
Additional Considerations When Building a Budget Pool
Even as you aim for the cheapest pool, several other aspects are crucial for long-term value and safety.
1. Safety and Regulations
Installing a budget-friendly pool doesn’t exempt you from following local safety codes, zoning requirements, or fencing laws. Most municipalities require:
- Pool fences at least 4′ tall
- Self-closing, self-latching gates
- Child-proof covers or barriers
2. Water Maintenance and Chemicals
While vinyl or above-ground pools are cheaper, keeping water clean will require chemicals like chlorine or bromine, as well as regular filter and pump maintenance.
3. Insurance
Some pool types can increase property insurance premiums. Be sure to factor this in when deciding on your final project’s affordability.
Conclusion: Making Pool Ownership Affordable
In conclusion, the cheapest way to build a swimming pool doesn’t require expensive contractors, deep excavation, or luxury finishes. Stock tanks, inflatable pools, metal-frame above-ground setups, or basic DIY vinyl in-ground pools can all provide refreshing and practical access to swimming without breaking your budget.
Remember to:
Define your goals, find a pool that fits your specific usage needs, and look for opportunities to reduce labor or equipment costs through DIY installation or resale purchases. With a little creativity and planning, a backyard swimming pool can be more accessible than you might have thought.
Whether you’re looking to cool off, play with kids, or enjoy lazy summer afternoons, an affordable pool can bring years of enjoyment to your home without burdening your wallet.
What are the most affordable types of swimming pools for beginners?
When considering an affordable swimming pool, above-ground pools are typically the most budget-friendly option. These pools are made from materials like steel, aluminum, or resin and can be installed quickly with minimal labor costs. They also require less excavation work, which further reduces overall expenses. While they may not offer the same aesthetic appeal as in-ground pools, they are a practical solution for those looking to enjoy a pool without a high upfront investment.
In contrast, in-ground pools made from materials like vinyl or fiberglass can also be cost-effective, though they tend to be more expensive than above-ground options. Vinyl liner pools are less costly than concrete pools and offer a customizable shape and size. Fiberglass pools, while slightly more expensive than vinyl, come with lower long-term maintenance costs and require less time to install. Each of these types has its own set of pros and cons, but for beginners, starting with an above-ground model is often the most financially sensible choice.
How much can I expect to spend on building a basic swimming pool?
The cost of building a swimming pool varies based on type, size, and location, but for a basic above-ground pool, you can expect to spend anywhere from $1,500 to $5,000. This includes the pool itself, a filter system, and basic setup. If you choose a larger or more feature-rich model, or if your yard requires some leveling or ground preparation, the cost may rise to around $10,000. These numbers make above-ground pools the most accessible for budget-conscious homeowners.
For in-ground options, vinyl liner pools generally start around $20,000, depending on the complexity of the installation. Fiberglass pools typically begin at around $25,000, while concrete (gunite) pools can cost $40,000 or more. These prices often include excavation, basic plumbing, filtration systems, and installation. Keep in mind that additional features like decking, fencing, heating systems, and landscaping can add significantly to the total cost. For a beginner, it’s wise to start with a no-frills setup to keep expenses low.
What are the maintenance costs for affordable pool options?
Maintenance costs can vary depending on the pool type, but generally, above-ground pools have lower annual upkeep expenses than in-ground pools. Basic maintenance includes cleaning, chemical balancing, filter replacement, and covering the pool during off-seasons. Homeowners should budget $500 to $1,500 per year for chemicals, cleaning tools, and minor repairs. Overall, above-ground pools are easier and cheaper to maintain, particularly when compared to high-end in-ground alternatives.
In-ground pools, especially those made from concrete or vinyl, usually require more time and money to maintain. For instance, vinyl liners may need replacing every 5 to 9 years, costing an additional $3,000 to $7,000. Fiberglass pools, however, are known for their low maintenance since their surfaces resist algae and require fewer chemicals. Annual costs for in-ground pools can range from $1,500 to $4,000, not including major repairs or equipment upgrades. For beginner pool owners, choosing a type that aligns with budget and time constraints is crucial to long-term satisfaction.
Can I save money by installing the pool myself?
Yes, installing your own pool—particularly an above-ground model—can help reduce labor costs, which are often a big part of the budget. Many manufacturers design their above-ground pools with DIYers in mind, offering detailed instructions and pre-packaged kits. However, it’s important to have the right tools, some basic construction knowledge, and time to complete the task. A small team and a weekend can often get the job done without professional help.
That said, attempting to install an in-ground pool yourself is generally not recommended. This type of installation involves excavation, plumbing, and electrical work, which can be dangerous and complex without the proper experience. Mistakes can lead to costly repairs or safety hazards. If you want to save money but still opt for an in-ground model, consider doing some of the preparatory work like clearing the yard or pouring concrete yourself, while leaving the technical parts to licensed professionals.
Are there cost-effective ways to add features to a budget pool?
Absolutely, you can enhance your pool experience without spending a fortune by selectively adding affordable features. For example, a basic solar cover can reduce both chemical and heating costs. Energy-efficient pumps and filters can also lower utility bills over time. Adding LED pool lights or a simple poolside lounge area with second-hand furniture can enhance aesthetics and functionality at a low cost.
If you’re considering options like a pool heater or a water feature, research models that offer low-energy consumption or install them gradually. Also, a retractable cover or an automatic pool cleaner can be valuable investments that save money on maintenance in the long run. Prioritize the features that will have the most impact on your comfort and convenience, and plan to add extras over time instead of all at once. This approach helps manage the initial investment while still building a personalized pool.
How do regional differences affect the cost of building an affordable pool?
Building a pool can vary widely in cost depending on where you live. Labor and material expenses depend heavily on local economic conditions and the availability of skilled professionals. In areas with higher living costs or limited contractors, installation costs may be significantly steeper than in regions where pool construction is common. Additionally, local building codes and permit requirements can influence the total project cost and timeline.
Another key regional factor is climate. In colder areas, winterizing the pool and using more durable materials can add to both initial and annual expenses. Conversely, in warmer climates, pools are often used year-round, which might increase wear and maintenance needs. Be sure to research your local regulations and environmental factors before choosing a pool type—this will help you estimate expenses more accurately and avoid unexpected costs later on.
What should beginners consider before choosing the cheapest pool option?
Before jumping into the cheapest option, beginners should assess their long-term goals. How often will the pool be used? Is it for the family during the summer or for regular exercise? Temporary above-ground pools may seem appealing due to low upfront costs, but they might need frequent replacements or repairs. Consider how each pool type fits with your lifestyle, expectations, and backyard conditions.
Another important consideration is available space and ease of installation. If your yard is sloped or rocky, you may face additional challenges that complicate an easy DIY setup. Also, factor in local zoning laws, pool clearance from your house, and fencing requirements, which can add costs or restrict pool placement. Take time to compare the total cost of ownership, including maintenance and durability, to ensure your choice offers the best value in both the short and long term.