>> Looking For A Home Improvement Loan? Visit vcloan.com <<

How Much Does a Swimming Pool Cost?

piggy bank infront of pool

Traditionally adding a pool to your home is thought of as an extravagant expense however, this is no longer the case. A pool often is affordable and manageable if you design a budget and make wise decisions in the purchase. Adding a pool will not only bring more enjoyment of your house by your friends and family but better yet, it can make your dull backyard into a real feature that will add value to your property.

You may be asking by now, “just how expensive is a pool? It is important not to see this purchase as solely a luxurious purchase; it is more wise to think of it as an investment. Keep in mind that having a swimming pool installed almost always adds value to practically any property. Done right, it is an improvement and investment that will not only provide hours of fun for your family, but will also add value to your home which is the number one consideration when you are looking to sell.

Swimming Pool Options

If you’re thinking “swimming pool”, no matter how small you may start, there are myriad swimming pool designs and types. Starting very small, here is a list of the basic swimming pool types and structures, from least expensive (and temporal) to most expensive:

  • Inflatable Pool
  • Above-Ground Pool
  • Fiberglass Pool
  • In-ground Membrane Pool
  • In-ground reinforced concrete concrete
  • Infinity Pool
  • Natural Pool aka Swimming Pond

Overall Average Cost of a Pool

So when looking at the average cost for a pool we first need to figure out which of the above swimming pool types we are talking about. We can’t cover them all in this article so let’s just focus on the main ones.

In-ground concrete pools including those luxurious fancy styles such as the infinity pool are the most expensive to have installed. Home Advisor offers a cost range as low as $17,000 all the way up to $47,000 for most models. However, the Bob Vila website gives a higher quote of $38,719 to $69,599. These overall costs will vary according to your chosen design, region, site location and builder competition within your area. 

In-ground concrete pools are the most common pool when looking at as more of an investment as these are more permanent than other options and often are the most impressive design wise. However, if the cost of an in-ground concrete pool seems a bit much, investigate the viability of a fiberglass formed pool or a vinyl-lined in-ground pool. A fiberglass or vinyl-lined pool can cost up to 30% less and in the long run due to not having as much upkeep and maintenance costs as a concrete pool. However, your financier may approve a pool loan based on the type of home improvement that your pool with provide. They can also provide more information about how long can you finance a pool for as this will vary based on the loan amount and your credit score. 

The Bigger Project Picture

Remember that when putting in a pool the pool itself is just one aspect of the cost, and there are many other features that need to be factored in:

  • Decking
  • Fencing
  • Landscaping

There are also add ons that you may also want to consider in the project e.g:

  • Spas
  • Seating areas
  • Shade pergolas
  • BBQ/Outdoor kitchens
  • Firepits
  • Waterfalls
  • Slides and other play equipment

In many cases, lenders will cover all the items listed above and other renovations needed – in other words the entire outdoor living project! 

Maintenance and Ongoing Expenses

Rarely is the purchase price of any notable investment and/or amenity the only expense you will invest. There are various and ongoing expenses to keep your pool clean and servicing of the system that your pool uses. Furthermore, even in the balmiest of climates, most pools require a seasonal closure. Here are some general ongoing expenses you will incur after the initial purchase price of your pool:

  • A pool tarp and rope to cover your pool seasonally;
  • Algaecide;
  • Shock treatment;
  • Increaser/decreaser chemicals for alkalinity, calcium, and pH;
  • Chlorine tablets or granules;
  • Chlorine testing kit to periodically check your pool’s pH, calcium hardness, total alkalinity, and chlorine levels;
  • Non-essential items include pool toys, floats and safety features for youngsters, pool toys and game equipment;

Suggestions for Saving Money on Any Pool and Its Installation

  • Choose a simple deck or surrounding perimeter but don’t skimp on the safety fence;
  • Choose a smaller or more shallow pool if choosing an in-ground pool. Deep pools cost considerably more and can also present more safety hazards – your children will love the pool regardless of the size;
  • Go minimal with fancy features: Choose minimal, not-special-effects lighting, basic tile choices, and choose to add slides or diving equipment later;
  • Make the intentional commitment to be your own maintenance person. Learn how to clean, filter, maintain, and check ph/alkaline levels yourself instead of hiring a weekly “pool person.” Additionally, it is easier these days to price-shop for pool supplies and chemicals with volume discount stores and outlets.

Financing Options for Your Backyard Investment

Very few individuals are able to pay cash for major investments (think automobiles) and it certainly makes sense that financing the cost for a pool makes perfect sense. Adding a swimming pool to your property almost always adds value to the appraised value of your home.

So where do you seek financing for the cost of the pool?

Viking Capital is a family business that has been helping people obtain financing for pool loans. Homeowners in the United States are able to improve their properties and their backyards with the help of Viking Capital. We pride ourselves on premium quality service as is evidenced by our online reviews (Google us and see for yourself!).

To talk to one of our loan consultants for free and with no obligations just complete the pool loan application form and we will be in touch to answer any and all of your questions.

Final Notes

Viking Capital would be happy to discuss your options with you if you have any additional questions. You may also find some helpful information about how to choose a pool builder here that will help you make a prudent decision about your new and fun investment!

Did you know? Not only is a pool an improvement, in some instances it can also be considered a tax deduction! Uncle Sam does have a heart should you have certain medical conditions in which a pool could be considered and evidenced a doctor-approved physical therapy, your new fun pastime might even qualify you for tax deductions up to $12,000 (translates into potentially $3,000 in direct tax savings depending on your tax bracket). Valid medical reasons may allow you to deduct the cost of the installation and operating/maintenance of your new pool, while concurrently improving the value of your home.


Home Advisor website: “Build A Swimming Pool” at www.homeadvisor.com/cost/swimming-pools-hot-tubs-and-saunas/build-a-swimming-pool/

Bob Vila website: “How Much Does a Pool Cost?” at www.bobvila.com/articles/inground-pool-cost/ c. 2022

Share this post


At Viking Capital, we try to provide accurate information on loans, credit scores and pool care, but it may not apply directly to your individual situation. We are not financial advisors and we recommend you consult with a financial professional before making any serious financial decisions. The content on poolloan.net is for informational and educational purposes only and should not be construed as professional financial advice. Should you need such advice, consult a licensed financial or tax advisor.

Download our "Top Pool Trends" eBook

Other Useful Info:

pool fence ideas

Pool Fence Ideas: How To Perfectly Frame Your Pool

Pool fence ideas are plentiful online when you are researching the design of your ideal outdoor space and a key step in the pool design process is choosing what type of fence you want to go with. Fences are often a legal requirement of pool ownership. Not to mention that fences are an important part

Read More »

When is the best time to build a pool?

The moment you make the decision to get a pool is incredibly exciting. People usually put a lot of time into planning the pool’s style, size, material, and even what deck furniture will compliment it. But there’s one important element that people often neglect to consider – the season in which to start their project.

Read More »

Understanding the Most Important Types of Credit Scores

Financial planning is one of the most important parts of life. It gives you the ability to set firm goals and progress toward them at a predictable pace. But it’s not always easy to make sense of the data needed to create solid financial plans. Credit scores in particular can seem intimidating at first and

Read More »

Soft vs Hard Credit Checks: What’s the difference?

When researching for loans you may notice that ‘soft pull’ and ‘hard pull’ comes up fairly often. You’ll often find warnings about a hard pull nested in the terms of various applications or you might see that a credit check is associated with a soft credit inquiry (like when applying for a loan with us!).

Read More »

How Much Does It Cost To Maintain A Pool

The costs of maintaining a pool is one of the most important and yet also most overlooked aspects of budgeting for a new pool. When people first consider one, they’ll usually put a lot of focus on the initial construction costs. But there’s a lot more to owning a pool than what goes into its

Read More »

Why Did My Credit Score Drop? 8 of the Most Common Reasons

Credit scores are undeniably important. But they’re also easily misunderstood. It’s easy to assume that scores have changed for no reason. And it’s natural to feel a little panicked when it looks like your credit score is dropping without any discernible cause. But you’ll soon see that there are a number of logical reasons why

Read More »

Payment Calculator

FREE Loan Consultations and payment details for all applicants!

Example 1

Loan amount $40,000
Rate 5.49%
Term 15 Years
Monthly payment $327/mo.

Example 2

Loan amount $50,000
Rate 7.99%
Term 20 Years
Monthly payment $418/mo.

Loan Terms

* Loan terms and availability vary based on borrower qualifications and are subject to change without notice. Monthly payment amounts are for demonstrative purposes only and are not guaranteed to match final payment amounts for all borrowers. Your Viking Capital Loan Representative will go over all your loan options and their respective terms and payment amounts.

We are proud to offer these great loan options to our Military Families

*Eligibility requirements:

The applicant or co-applicant (or Family Member*) is active duty, military retiree, reservist, or veteran.  Branch of service: Air Force, Coast Guard, Army, Navy, Marine Corps or reserves for these branches. 

Family members must be “lineal” (spouse or direct-line ancestors and descendants. Includes family by adoption and marriage).