The Unexpected Costs of Owning a Swimming Pool

Owning your own swimming pool can definitely be a source of serious relaxation, but beneath the sparkling surface, there’s sometimes a less glamorous reality—unexpected pool costs.

Some hidden pool costs are inevitable, of course, but the best way to plan for them and enjoy your new pool without added stress is to do your homework ahead of time. That’s why we’ve put together this comprehensive guide. In the sections that follow, we will explore the often overlooked expenses that come with owning a swimming pool, from excavation problems to ongoing maintenance, so you feel totally prepared to move forward with your pool purchase.

The Most Common Hidden Costs of a Pool

Let’s start with a basic overview of the top seven unexpected pool costs that come up for unsuspecting homeowners and what you can expect to pay for each:

Excavation Problems: $5,000 – $15,000
Pool Insurance: around $2,500 per year
Pool Heating: $1,500 – $4,000 per year
Fence Construction: $2,000 – $5,000
Landscaping: $2,500 – $5,000 or more
Pool Furniture: $1,000 – $3,000
Pool Maintenance: $1,200 – $2,000 per year

We know that some of these costs come with quite a range, and not all of them apply to every pool project, so let’s explore each unexpected pool cost in more depth.

Excavation Problems

Excavation is a crucial initial step in building any inground swimming pool. Standard excavation involves digging and shaping the pool’s space, and it usually costs about $2,500 on average. However, while they are rare, problems can arise during the excavation process, leading to additional pool costs, which may run as high as $15,000. Here are some of the most common excavation problems:

Unforeseen Obstacles

During the digging process, it’s possible to encounter unexpected underground rock formations. Excavating through hard rock can be a labor-intensive, time-consuming, and expensive process that requires the use of specialized equipment.

Challenging Soil Conditions

Soil composition varies from location to location, and the presence of challenging soil conditions can lead to excavation problems. For instance, expansive clay soil may cause settling or shifting of the pool structure over time, requiring additional reinforcement or stabilization measures.

Unmarked Utility Lines

Another unexpected pool cost arises when excavation work inadvertently damages underground utility lines. Hitting gas, water, or electrical lines can pose safety risks and require immediate repair.

Groundwater Issues

In some cases, groundwater can seep into the excavated area, making it difficult to create a stable foundation for the pool. Addressing groundwater issues may involve installing drainage systems or even dewatering the excavation site temporarily.

Soil Disposal

After excavation is completed, the excess soil must be disposed of properly. The cost of disposal varies depending on local regulations, the amount of soil, and the distance to the nearest disposal site.

To mitigate potential excavation problems, it’s essential to hire experienced and reputable pool builders to conduct thorough site evaluations before starting the excavation process, identify any potential challenges, and develop appropriate strategies to address them.

Pool Insurance

Swimming pools are fun and relaxing, but they also come with inherent risks. Accidents and injuries can occur, leading to potential liabilities. As a responsible pool owner, you’ll likely need to purchase additional pool insurance because standard homeowners’ insurance may not cover pool-related incidents. This unexpected pool cost will vary depending on a pool’s size, its location, and the level of coverage you desire.

Your pool insurance cost is also affected by the coverage limits you choose, the deductible you agree to pay, and which insurance provider you go with. On average, homeowners with pools pay around $2,500 more annually for insurance, but keep these factors in mind when it comes to cost:

Pool Characteristics

The cost of insurance depends on a pool’s size, shape, and depth, as well as any diving boards or slides that impact the premium. Pools with added features or greater perceived risk may have higher insurance costs.

Location

The geographical location of your property can also affect pool insurance costs. Areas prone to severe weather events, such as hurricanes or tornadoes, may have higher insurance premiums.

Safety Measures

Pool insurance providers may offer discounts for implementing safety measures around the pool area. These measures can include pool fences, pool covers, pool alarms, and other equipment designed to reduce the risk of accidents.

Pool Heating

For pool owners in colder climates or those looking to extend the swimming season, pool heating becomes a necessity. The cost of pool heating depends on the type of heating system you choose, your pool size, and your regional climate, as well as the duration of your pool use and how well you insulate and cover it when not in use. On average, pool heating costs range from $1,500 to $4,000 per year, depending on the type of heater and service required:

Gas Heaters

Gas heaters are a popular choice for heating pools quickly, making them ideal for spas and smaller pools. They use natural gas or propane to heat the pool water. While gas heaters have a relatively low upfront cost compared to other heating systems, their ongoing operating expenses can be relatively high.

Heat Pumps

Heat pumps use electricity to capture heat from the surrounding air and transfer it to the pool water. They are more energy-efficient than gas heaters, making them a cost-effective option for larger pools or extended swimming seasons. Heat pumps have a higher upfront cost, but their lower operating costs can result in significant savings over time.

Solar Heaters

Solar heaters harness the sun’s energy to heat pool water. They are the most environmentally friendly and cost-effective heating option in the long run since they utilize free energy from the sun. Solar heating systems generally have higher upfront costs, but they have minimal ongoing operating costs.

Fence Construction

Installing a safety fence around the pool area is a legal requirement in many jurisdictions to prevent accidents, especially involving children and pets. The cost of a pool fence depends on its material, design, and length. On average, pool owners can expect to spend between $2,000 and $5,000 for a high-quality, compliant pool fence—an unexpected pool cost many people don’t consider. Pool fences come in a range of materials, all with their own price tags:

Aluminum

Aluminum is a popular choice for pool fences due to its durability, low maintenance, and resistance to rust and corrosion.

Vinyl

Vinyl fences are another durable and low-maintenance option for pool enclosures. They are resistant to fading, cracking, and pests.

Wrought Iron

Wrought iron fences offer a classic and elegant look for pool areas. They are highly durable but may require occasional maintenance to prevent rusting.

Wood

Wood fences add a nice touch to the natural environment, but wood requires more maintenance and is susceptible to rot and decay over time.

Landscaping

A beautiful pool calls for inviting landscaping. But pool landscaping requires careful planning and regular maintenance, so homeowners should factor in the cost of plants, irrigation systems, and landscaping services that keep their pool area comfortable. Neglecting the landscaping piece of pool ownership can even lead to problems like erosion or debris accumulation. Homeowners should budget between $1,500 and $5,000 for landscaping and related costs, and the price may be even higher for larger pool projects. Here are some of the factors to consider:

Plant Selection

Choosing the right plants for your pool area creates a cohesive landscape. Tropical plants, palm trees, and flowering shrubs are popular choices for poolside landscaping, but they may come with higher costs due to their specific climate requirements.

Hardscaping

Hardscaping refers to non-living elements in the landscape, such as paving, walkways, decks, and retaining walls. Hardscaping materials can range from natural stone and pavers to concrete and wood decking. The cost of hardscaping will depend on the materials chosen and the size of the area to be covered.

Pool Edging

Installing edging around the pool area helps define the pool’s boundaries and provides a finishing touch to the landscape. Pool edging materials, such as stone, brick, or concrete, can be relatively affordable.

Irrigation Systems

Proper irrigation is essential for maintaining healthy and vibrant plants around the pool. Installing a drip irrigation system or an automated sprinkler system can help ensure that plants receive the right amount of water, reducing the risk of overwatering or underwatering.

Poolside Structures

Adding poolside structures such as pergolas, gazebos, or shade sails can enhance the pool area’s aesthetics and provide a shaded retreat from the sun. The cost of poolside structures will vary based on the materials used and the complexity of the design.

Professional Landscaping Services

Hiring professional landscapers can ensure that your pool landscaping is well-designed and expertly executed. Landscaping service costs vary depending on the scope of the project and the level of expertise required.

Pool Furniture

Creating an inviting poolside atmosphere often involves investing in pool furniture. The total cost of quality furniture can run anywhere from $1,000 to $3,000 or more. Buying durable, weather-resistant pieces reduces the need for frequent replacements.

Unexpected pool costs can come into play when you’re deciding on the material, size, type, and brand of your furniture. Plastic or aluminum might be a good choice for the budget-conscious, but pool owners often opt for pricier teak or wicker for a more refined look. You’ll also want to think about your overall design: Does your furniture call for cushions and accessories? Are furniture sets or individual pieces best for your specific pool environment? If you’re looking for fun, high-quality pool furniture, consider these options:

Lounge Chairs

Lounge chairs are a poolside staple, and their cost can vary based on their material and whether they come with adjustable features.

Poolside Tables

Poolside tables provide a convenient surface for holding drinks, snacks, or reading materials, and they come in many different materials and designs. Simple side tables may be relatively inexpensive, while larger dining tables bump up your unexpected pool costs.

Umbrellas and Shade Structures

Umbrellas and shade structures provide much-needed protection from the sun’s rays. The cost of umbrellas varies based on size, materials, and features such as tilt and rotation.

Outdoor Sofas and Sectionals

For larger pool areas or those looking to create a comfortable seating space, outdoor sofas and sectionals are a great option. The cost of outdoor sofas and sectionals will depend on the size, material, and brand you choose, but sofas are usually the priciest of the pool furniture available.

Pool Maintenance

Regular pool maintenance is essential for keeping the water clean, chemically balanced, and safe for swimmers. The ongoing cost of pool maintenance includes chemicals, cleaning equipment, and professional services. On average, pool owners should budget between $1,200 and $2,000 per year for maintenance expenses, depending on factors such as pool size, frequency of use, type of pool, regional climate, and professional services. Maintenance is one of the most important unexpected pool costs to consider, as it involves many parts:

Pool Chemicals

Maintaining proper water chemistry is crucial for pool hygiene and swimmer safety. The cost of pool chemicals, including chlorine, pH balancers, algaecides, and other treatments, depends on pool size and frequency of chemical adjustments needed.

Cleaning Equipment and Water Testing Kits

Pool cleaning equipment (such as brushes, nets, and vacuums) is necessary for removing debris and maintaining a clean pool. Regular water testing is essential for monitoring chemical levels in the pool.

Pool Filter and Pump Maintenance

Pool filters need regular cleaning and occasional replacement to ensure efficient water circulation and filtration. The cost of pool filter maintenance includes backwashing, cartridge replacement, and sand replacement. Pool pumps are essential for water circulation and filtration. Routine maintenance, such as lubricating o-rings and cleaning pump baskets, is necessary.

Professional Pool Service

Hiring a professional pool service to handle these maintenance tasks can save time and labor. The cost of professional pool maintenance varies depending on the frequency of service visits, the size of the pool, and the level of service required. You can always do the work yourself, but hiring a professional may be worth the investment.

Next Steps

Owning a swimming pool can definitely add extra hours of enjoyment to your summer, but these aren’t the only numbers worth considering. It’s important to know about unexpected pool costs so you can work them into your budget ahead of time. Before taking the plunge into a pool purchase, it’s important to conduct thorough research on the cost of owning a pool, including all of the factors we’ve covered above. Consider creating a comprehensive budget that includes both the initial construction expenses and the long-term costs of keeping your pool safe, functional, and visually appealing.

From excavation problems during construction to ongoing expenses for pool maintenance, being prepared for unexpected pool costs will allow you to better manage your pool ownership experience. Our pool experts are always here to answer your questions and make your pool purchasing process as easy as possible.

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