How much does an inground pool cost in 2026?

Published national ranges: fiberglass $45,000–100,000, vinyl $25,000–65,000, and gunite projects with a deck $65,000–175,000. Our local estimator typically shows $55,000–120,000 for a medium pool with basic equipment and a 600 square foot deck.

What is the cheapest inground pool?

Vinyl liner, at about $25,000–65,000 installed, but it is rare in the Southwest and the liner is replaced every 8–12 years. Fiberglass is the lowest-cost option most local builders offer.

What costs are usually left out of a pool quote?

The barrier fence (required by code, roughly $3,000–9,000 for 100–150 feet of aluminum), a heater, an automatic cover, landscaping and yard repair, electrical service upgrades, and rock or caliche excavation surcharges.

How much is a pool per month with financing?

It depends on the APR and term. We don't show monthly payments until a lender's rate sheet is on file, because a monthly figure without APR and term disclosures can be misleading.

How accurate are online pool cost estimates?

Ours are ranges built from published unit costs scaled by local wage data, cross-checked against permit values, and replaced by a local builder's price sheet where one is on file. The final price is always set by a licensed contractor after a site visit.

How much does an inground pool cost? The honest version.

Most pool cost articles give you one national number. Real projects are a stack of line items that move with your soil, your city's labor rates and the features you pick. This guide shows the stack, with sources, and the estimator applies it to your ZIP.

Price my pool in 60 seconds

Published national ranges

Pool type	Installed range	Source
Fiberglass pool cost	$45K – $100K	HomeGuide
Gunite / concrete pool cost	$65K – $175K	PoolCostEstimator
Vinyl liner	$25K – $65K	HomeGuide

What is in the price (and what usually isn't)

Every estimate on this site is the sum of these lines. Labor-heavy lines are scaled by local wage data from the Bureau of Labor Statistics (St. George runs about 16% below the US average, Las Vegas about 3% above), then 5–10% is added for supervision, startup and warranty, and the result is rounded to $500.

Excavation: $35–80/cu yd standard; caliche or rock $85–225
Haul-off: $300 if spread on site, up to $400–600 per truckload
Plumbing: $3K–$8K
Electrical and bonding: $2K–$10K
Basic equipment (variable-speed pump, cartridge filter, LED): $5,137–8,000
Permits: $200 (St. George) to about $1,500 (Henderson, valuation-based counties)
Deck: $6–30/sq ft by material
Barrier fence: $15–85/linear ft by material
Attached spa: $22K–$50K
Automatic cover: $10K–$20K
Gas heater with gas line: $3,249–8,289
Heat pump: $6,736–7,139 plus electrical

Usually missing from a first quote: the code-required barrier, landscaping and yard repair after the dig, an electrical panel upgrade, HOA review fees, and the rock or caliche surcharge. We show the last one as its own risk line because it is the single biggest surprise in St. George and Las Vegas.

Fiberglass vs gunite vs vinyl

Fiberglass

A fiberglass pool is a one-piece shell made in a factory, trucked to your yard and set into an excavated hole with a crane. Because the shell is finished before it arrives, installation takes days instead of weeks, and the gelcoat surface is smooth and low-maintenance.

Fiberglass cost details

Gunite / concrete

A gunite (or shotcrete) pool is built in place: the hole is dug, rebar is tied into the shape, concrete is sprayed over the steel, then tile, coping and an interior finish go on. Any shape, depth, spa, ledge or water feature is possible, which is why most custom pools in the Southwest are concrete.

Gunite / concrete cost details

Vinyl liner

A vinyl-liner pool uses steel or polymer wall panels, a prepared floor and a custom-fitted vinyl membrane. It is the lowest-cost way into an inground pool, with published installed prices around $25,000 to $65,000 and a 16×32 kit alone at about $10,000 to $11,000.

Financing, timeline and upkeep

Most pools are financed with a home equity line, a cash-out refinance or an unsecured home-improvement loan over 10 to 20 years. We will show a monthly estimate once a lender's APR range is on file, with the APR and term stated next to it. Until then, use the total range and your own rate.

Timeline: fiberglass sets in days once the shell arrives and the whole project runs one to three months; gunite runs 8 to 14 weeks of construction plus permits and HOA review. Upkeep: budget roughly $1,200 to $2,500 a year for chemicals, electricity and service, more with a heater, and plan on replastering a gunite pool every 10 to 15 years.

Local guides

Frequently asked

How much does an inground pool cost in 2026?: Published national ranges: fiberglass $45,000–100,000, vinyl $25,000–65,000, and gunite projects with a deck $65,000–175,000. Our local estimator typically shows $55,000–120,000 for a medium pool with basic equipment and a 600 square foot deck.
What is the cheapest inground pool?: Vinyl liner, at about $25,000–65,000 installed, but it is rare in the Southwest and the liner is replaced every 8–12 years. Fiberglass is the lowest-cost option most local builders offer.
What costs are usually left out of a pool quote?: The barrier fence (required by code, roughly $3,000–9,000 for 100–150 feet of aluminum), a heater, an automatic cover, landscaping and yard repair, electrical service upgrades, and rock or caliche excavation surcharges.
How much is a pool per month with financing?: It depends on the APR and term. We don't show monthly payments until a lender's rate sheet is on file, because a monthly figure without APR and term disclosures can be misleading.
How accurate are online pool cost estimates?: Ours are ranges built from published unit costs scaled by local wage data, cross-checked against permit values, and replaced by a local builder's price sheet where one is on file. The final price is always set by a licensed contractor after a site visit.

Sources

Updated 2026-10-26. Cost model version 2026-10-26.