Dreaming of having your own backyard oasis but worried about the cost? You’re not alone. Many homeowners want an inground pool but are often discouraged by the potentially high price tag. The good news? It’s entirely possible to install an inground pool without breaking the bank. In this guide, we’ll walk you through the cheapest way to do an inground pool, offering tips, insights, and strategies to keep costs low without sacrificing too much in terms of quality or enjoyment.
By the end of this article, you’ll have a clear understanding of budget-friendly options, design strategies, construction methods, and maintenance routines that will help you achieve the inground pool of your dreams at a fraction of the typical cost.
Understanding the Cost Factors of Inground Pools
Before diving into cost-saving methods, it’s essential to understand what contributes to the overall price of an inground pool. Knowing your priorities and options is crucial for cutting corners wisely.
1. Pool Type and Materials
Not all inground pools are created equal. The type of pool and the materials used heavily influence cost. Here’s a breakdown:
| Pool Type | Average Cost (USD) | Pros | Cons |
|---|---|---|---|
| Concrete (Gunite) | $50,000+ | Customizable, durable | Expensive, requires more maintenance |
| Fiberglass | $40,000+ | Low maintenance, faster install | Limited size/design options |
| Vinyl Liner | $25,000–$45,000 | Affordable, customizable | Linens wear out, need replacement every 5–10 years |
Key Insight: Vinyl liner pools are often your most affordable choice for an inground option when money is tight.
2. Size and Depth
The larger and deeper your pool, the more materials and labor it will require. Choosing a modest size (e.g., 12×24 feet) not only reduces installation costs but also lowers ongoing expenses like heating and cleaning.
3. Additional Features
Waterfalls, lighting, heaters, and coping stones can each add thousands of dollars. Prioritize essential features over luxury add-ons to keep your project affordable.
Strategies to Minimize Costs While Building an Inground Pool
Cost-saving in pool construction is a balancing act of planning, choosing wisely, and knowing when to skip extra features. Below are several effective strategies.
1. Opt for a Vinyl Liner Pool
As highlighted earlier, vinyl pool kits offer a budget-friendly alternative to concrete and fiberglass pools. While the liner must be replaced periodically, the lower upfront costs allow you to get a durable, large inground pool at a fraction of the price.
2. Simplify the Design
Avoid curves, multi-levels, and intricate shapes. A simple rectangular or oval design uses less material and labor, and is easier and faster to construct.
- Rectangular pools save on labor and materials.
- Minimize entry steps, benches, or complex tiling.
- Avoid custom masonry or decking if not essential.
3. Do the Work Yourself (Where Possible)
If you’re handy and have some construction or landscaping knowledge, you can significantly reduce labor costs by doing some of the work yourself. Tasks you can tackle include:
| D.I.Y. Task | Description | Estimated Savings |
|---|---|---|
| Backyard Preparation | Clearing site, grading, minor excavation | $1,000–$3,000 |
| Decking and Landscaping | Building a basic deck or planting areas | $1,000–$5,000 |
| Pool Maintenance Setup | Installing filter system, skimmer, pump | $200–$800 |
Remember, major tasks like plumbing, electrical work, and structural engineering should always be done by licensed professionals for safety and code compliance.
4. Purchase Materials in Bulk or Used
Shop around for discounts, salvage yards for stone or decking materials, and keep an eye on wholesale suppliers. Buying materials in bulk or reusing old materials from your home (such as concrete slabs for decking) can help reduce expenses.
5. Plan During Off-Peak Seasons
Contractor rates and material costs may drop during off-peak seasons (i.e., fall or winter). Scheduling your build during this time can lead to significant savings. Also, local pool supply companies may have seasonal sales.
DIY Inground Pool Kits: A Cost-Effective Solution
If you’re committed to saving as much as possible, some companies offer complete vinyl liner pool kits that allow for semi-D.I.Y. setup. These systems vary in complexity, but the core components typically include:
- Metal or polymer wall panels
- A pre-cut vinyl liner
- Pool base materials (sand or cove)
- Skimmer, filter, and pump (optional)
Some Popular DIY Pool Kit Brands
| Brand | Approximate Cost | Size Range | Features |
|——-|——————|————|———-|
| Easy Set | $800–$3,000 | 10–18 ft diam. | Above-ground only |
| INYO Pool Kits | $4,500–$8,000 | Various | Vinyl inground, some assembly |
| Swimline Sportspool | $10,000–$20,000 | Smaller inground | Pre-assembled walls |
Important: While these kits may appear cheaper, inground installation still requires excavation, plumbing, and electrical work—meaning professional help may still be needed for a safe setup.
The Realistic Cost of a DIY Inground Pool
Many online forums and blogs tout ultra-low cost inground pools, but here’s a realistic breakdown of building one yourself:
| Item | Average DIY Cost |
|---|---|
| Kit and Supplies | $6,000–$12,000 |
| Equipment (Pump + Filter) | $800–$1,500 |
| Labor (for digging and basic installation help) | $2,000–$4,000 |
| Additional Landscaping | $1,000–$3,000 |
| Total Estimated DIY Inground Pool Cost | $10,000–$20,000 |
This figure stacks up favorably compared to traditional pool construction, though it requires significant personal effort.
Cheap Pool Construction: Alternatives and Workarounds
If a traditional inground pool isn’t entirely within your budget, consider alternatives or hybrid solutions.
1. Partial Inground Pools
By making part of your pool above ground and part inground, you can enjoy the appearance of an inground structure while cutting excavation and construction costs. These “semi-inground” pools usually start around $15,000 to $25,000, depending on size, structure, and finish.
2. Smaller Pool Sizes
A plunge pool (around 8×12 feet) or even a small spa-style inground pool can cost as little as $12,000–$20,000. These offer a relaxing experience without excessive water and maintenance requirements.
3. Use Affordable Pool Surrounds
Avoid premium decking choices like stamped concrete or natural stone. Instead, consider:
- Pressure-treated wood decking
- Colored concrete
- Recycled composite decking
Each of these options offers a lower price without compromising safety or usability.
Choosing the Right Contractor to Save Money
Finding a cost-conscious but reputable contractor is key. While the cheapest quote isn’t always best, there are tricks to identifying value without sacrificing quality.
1. Get Multiple Bids
Always get at least 3–5 contractor bids. Be sure each one includes:
- Exactly the same pool dimensions
- Similar features and materials
- A line-by-line breakdown of labor, materials, and other expenses
2. Ask About Seasonal Discounts
Many pool builders offer specials in early spring or late fall to optimize their schedule and cash flow. Consider planning your excavation in less busy months.
3. Combine with Other Work
Renovating your backyard for other reasons, like landscaping, paving, or fencing? Bundling services with one contractor can help negotiate a better overall rate.
4. Look for Certified or Local Contractors
Certifications from organizations like the Association of Pool & Spa Professionals (APSP) ensure reliability, potentially saving you money from costly mistakes during construction.
How to Minimize Maintenance Costs Over Time
Even if you save on construction, ongoing expenses can add up. Here’s how to ensure your pool remains cost-effective year after year.
1. Choose an Energy-Efficient Pool Pump
Replacing an old pump or choosing a variable-speed pump can reduce energy use by up to 90%, cutting your monthly electric bill significantly.
2. Invest in a Pool Cover
A quality cover can reduce evaporation, minimize heating costs, and decrease chemical use by keeping debris out of the water.
3. Opt for a Saltwater Pool System
Saltwater chlorinators cost more upfront but often result in lower chemical expenses and gentler water quality over time.
4. Perform Regular Maintenance Yourself
Weekly skimming, vacuuming, and chemical testing are usually tasks homeowners can handle themselves—saving hundreds or even thousands per year in professional service fees.
Real-Life Examples of Budget-Friendly Inground Pools
Still unsure if a truly affordable inground pool is possible? Consider these two real-life examples that illustrate the potential:
Case Study: The Weekend Warrior D.I.Y. Vinyl Pool
- Size: 15×30 ft vinyl liner pool
- DIY excavation using a local rental equipment
- Professional plumbing and electrical setup
- Basic concrete deck
- Total Cost: $18,500 over 3 months
Case Study: Budget Pool Through Local Contractor
- Installed by a local contractor
- 12×24 ft oval vinyl liner inground pool
- Standard installation, no special features
- Total Cost: $22,000 within 2 weeks
Both examples provided long-lasting, enjoyable inground pools under $25,000, highlighting the possibility for those committed to staying within a budget.
Conclusion: Building an Affordable Inground Pool Is Within Reach
To answer the question posed at the beginning: What is the cheapest way to do an inground pool? The reality is, with smart planning, cost-cutting strategies, and some hands-on work, you can enjoy an inground pool for well under $20,000—sometimes even less.
Choosing a vinyl liner pool, simplifying the design, doing work yourself, and shopping carefully are all ways to significantly reduce expenses. Whether you go full DIY or work with a cost-conscious contractor, a personal backyard pool is not only a luxury but also a realistic and affordable project for many homeowners.
By using the tips and insights from this guide, you can confidently start the journey toward building a pool that fits both your needs and your budget. Remember: smart choices today mean more enjoyment tomorrow—without the financial strain.
Keep an eye out for local deals, seasonal offers, and discounts when sourcing materials and labor to make your dream pool even more affordable. Above all, plan carefully and budget realistically, and you’ll be on your way to enjoying your very own inground pool—cost-effectively.
What is the cheapest way to install an inground pool?
One of the most cost-effective ways to install an inground pool is by opting for a basic vinyl liner pool. Vinyl pools are generally cheaper than fiberglass or concrete pools because the materials are less expensive and the installation is less labor-intensive. Additionally, choosing a simple rectangular or oval shape can reduce excavation and construction costs. Location also matters—softer soil and optimal ground conditions can significantly lower the price of digging and preparing the site.
To further reduce costs, homeowners can perform some of the work themselves, such as landscaping or decking, though this requires time, effort, and some DIY skills. Another strategy is to install the pool during the off-season when contractors may offer discounts to stay busy. However, it’s crucial to balance cost savings with quality—cutting too many corners can lead to higher maintenance and repair costs in the long run.
How can I reduce the cost of inground pool excavation?
Excavation is one of the more expensive parts of inground pool installation, but there are ways to keep these costs down. First, choose a pool design that minimizes complex shapes or deep ends, as these can require more intricate and time-consuming digging. Second, scheduling the project during the off-peak season—like late fall or winter—can lead to lower rates for excavation services due to decreased demand.
Another cost-saving tip is to get multiple quotes from local excavators, as prices can vary greatly between contractors. Also, be prepared to assist with decisions that impact excavation, such as clearing the site yourself or arranging for utility lines to be marked before work begins. These small preparations can reduce the time and complexity of the job, lowering your overall excavation costs.
Is DIY inground pool installation feasible?
While a fully DIY inground pool installation is possible, it requires a significant investment of time, labor, and knowledge. Vinyl liner pools are the most common type for DIY installations due to their relatively simpler construction process. Homeowners with construction or plumbing experience may tackle parts of the project, like installing the filtration system or pouring the concrete footer, but others may find the process overwhelming without professional guidance.
One major concern with DIY pool installation is compliance with local building codes. Mistakes can result in costly rework or legal complications. Additionally, DIY doesn’t always mean lower overall cost, as specialized equipment rentals, materials, and the risk of errors can add up. While saving money is possible, it’s often recommended to hire professionals for parts of the job, particularly electrical and plumbing work, to ensure safety and code compliance.
Are there affordable alternatives to traditional inground pools?
For those looking for less expensive options, alternatives such as fiberglass pools or smaller plunge pools can be budget-friendly solutions. Fiberglass pools, although more costly than vinyl, offer lower long-term maintenance and quicker installation, which can reduce labor expenses. On the other hand, plunge pools take up less space and require less excavation, making them ideal for small backyards and tight budgets.
Another alternative is to install a concrete shell without the final finishing touches, like tile or expensive coping, and complete those later when more funds are available. Portable in-ground pools that are semi-permanent installations are also becoming popular for budget-conscious buyers. While these alternatives can significantly reduce initial costs, it’s important to research local regulations and consider long-term maintenance before making a decision.
How much does an average inground pool cost, and where does the money go?
On average, an inground pool can cost between $35,000 and $65,000, though it can go higher depending on the design, material, and location. The biggest chunk of the budget typically goes to construction materials and labor. Vinyl pools are the least expensive of the three main types—fiberglass and concrete being pricier due to material and maintenance costs. Labor costs include site preparation, excavation, installation, plumbing, and electrical work.
Additional expenses include permits, fencing, decking, and necessary equipment such as pumps, filters, and heating systems. Optional upgrades like pool lighting, custom tiles, water features, or automation systems can also add thousands to the total. By prioritizing essential elements and delaying luxury additions, homeowners can reduce upfront costs and gradually enhance the pool over time.
What are some hidden costs to consider when budgeting for an inground pool?
Beyond the initial installation costs, homeowners should budget for additional expenses that are often overlooked. These include safety requirements like a pool fence, safety cover, or alarms, which are often mandated by local law. Landscaping the surrounding area, regrading the yard, and replacing any destroyed vegetation also add to the cost. Similarly, adjusting or rerouting irrigation systems or underground utilities can incur unexpected fees.
Long-term costs are also a consideration—electricity for running the pump and heater, chemicals for maintenance, and potential repairs not covered by warranties. If you live in a colder climate, winterization costs must be factored in annually. Insurance premiums may also rise once a pool is installed. To avoid surprises, it’s wise to include a 10–20% buffer in your initial budget to cover these hidden expenses.
Can I finance my inground pool if I don’t have the full amount upfront?
Yes, there are several financing options available for homeowners who don’t have the full amount upfront. These include personal loans, home equity loans or lines of credit (HELOCs), and specialized pool financing programs offered by some contractors or financial institutions. Each financial product has its pros and cons—for example, HELOCs often have lower interest rates but require sufficient equity in your home.
When considering financing, it’s important to evaluate the long-term cost of interest and ensure your monthly budget can accommodate repayments. Working with a licensed contractor who offers payment plans can help streamline the process, potentially including labor warranties and structured payments. Always compare offers from multiple lenders to secure the best rate and terms, and avoid financing options with hidden fees or unfavorable conditions.