Inground Pool Cost Calculator

Angi's 2026 guide puts the national average at $65,909, with most homeowners paying $44,499–$87,349; HomeGuide's range is $25,000–$100,000 with a $62,500 average. A mid-size fiberglass build with a basic concrete deck prices at about $77,250 in this calculator before your state adjustment.

Vinyl liner is cheapest upfront (Angi: $40,000–$75,000; HomeGuide: $35,000–$80,000), fiberglass sits in the middle ($55,000–$100,000 per Angi), and gunite runs highest ($65,000–$120,000). Budget for the long term too: liner replacements run roughly $3,000–$7,500 every 5–15 years per manufacturer guides, and Angi pegs annual upkeep at $1,100–$1,700 for vinyl, $500–$1,500 for fiberglass and $2,700–$4,000 for concrete.

HomeGuide prices installed pools at $80–$250 per sq ft of water surface, so size is the biggest single lever. On fiberglass, growing from a 12×24 (288 sq ft) to a 16×32 (512 sq ft) adds about $33,600 to the package — and decking grows with it, because the surround tracks the water: at the model's $9/sq ft broom-finish rate, every extra 100 sq ft of concrete deck adds about $900. Size up before you sign, not after — shell dimensions are effectively unchangeable once steel or shotcrete goes in the ground.

Once permits clear, a vinyl liner pool typically swims in 2–4 weeks, fiberglass in 3–6 weeks (the shell arrives pre-made and is craned in), and gunite in 8–12 weeks including the 28-day cure before plaster. Spring is the busiest season in most markets — booking in fall or winter usually means better pricing and a crew that isn't juggling a backlog.

Yes, in virtually every US jurisdiction: a building permit plus a separate electrical permit (Angi pegs pool permitting at $450–$1,800; this model uses $650). Most codes based on the International Swimming Pool & Aquatics Code also require a 48-inch barrier with self-closing, self-latching gates — budget about $5,180 for 140 linear ft of aluminum, or roughly half that in removable mesh.

Modestly, and never dollar-for-dollar: Angi's research puts the recoup at roughly 5–56% of build cost depending on market, with the strongest returns in warm-weather states where pools are expected. Run the carry cost against that too — the same Angi data this calculator is anchored to pegs all-in annual ownership (chemicals, utilities, maintenance, repairs) at $3,000–$5,000, which compounds faster than most appreciation. Treat the pool as a lifestyle purchase — the calculator is about paying a fair price, not recovering one.

Tree removal and land clearing (Angi: $1,000–$3,300), retaining walls or major grading, long gas-line runs for a heater, electrical panel upgrades, landscaping repair after construction, and ongoing ownership — Angi puts all-in annual ownership (chemicals, utilities, maintenance, repairs) at $3,000–$5,000. Rock or high-water-table sites can add five figures on their own.