How Much Does an Inground Pool Cost in 2026?

For many homeowners, adding a pool creates a lasting space for connection, recreation, and relaxation. But costs are shifting with the economy, labor market, and materials. Whether you know what type of inground pool you want or are still researching pool types and materials and building a budget, final inground pool costs in 2026 will depend on the size and shape you choose, location and site conditions, the extra add-ons you want, and even what’s happening in the broader economy. 

 

2026 Inground Pool Costs by Pool Type

Homeowners’ final inground pool price tags can vary wildly based on location across the country, pool type, and design decisions. Most 2026 inground pool projects include standard installation services, but do not account for additional premium features, lavish landscaping, or a luxurious outdoor living space around the pool.

 

Vinyl liner pools feature moderate installation pricing ranging from $35,000 to $80,000. Don’t forget liner replacements every 5 to 15 years, costing between $3,000 and $7,500.

 

Concrete (gunite) pools are highly customizable, but the most expensive to install and maintain. A 2026 concrete inground pool installation can cost from $50,000 to $120,000 or more, and will need $300 to $1,000 acid wash treatments every 3 to 5 years, as well as $8,000 to $10,000 resurfacing every 10 to 15 years.

 

Fiberglass pools are our specialty, and Thursday Pools can offer unique insight into 2026 fiberglass pool costs through a recent survey of our independent dealer network. 

 

• Small fiberglass pools (less than 26 feet long or 400 square feet) average approximately $74,000.

 

• Medium fiberglass pools (between 27 and 34 feet long or 400 to 600 square feet) average around $109,000.

 

• Large fiberglass pools (35 feet and longer or more than 600 square feet) average near $113,000.

 

Economic Forces Influencing 2026 Pool Costs

Your location, pool type, and pool size are among the most impactful factors for 2026 inground pool costs, but other macroeconomic currents will also influence prices.

1. Construction Spending and Tariff Pressures

Tariffs on materials like lumber, steel, and aluminum will continue to push up 2026 construction costs. Fiberglass inground pools don’t rely on wood and metal as much as other pool types, but rising costs in areas such as labor, excavation, and concrete work can ripple into all projects and budgets.

2. Tight Construction Labor Market

A 2025 Associated Builders and Contractors model estimates the construction industry needs 439,000 net new workers before the end of the year to meet anticipated demand—and then another 499,000 new workers in 2026. A gap in construction labor supply and demand inflates wages, stretches schedules, and can drive up inground pool installation bids. 

3. Inflation and Interest Rate Outlook

The Kiplinger Special Report on business costs for 2026 expects the Federal Reserve to cut interest rates by 2% by the end of the year, with inflation easing toward 3% and economic growth remaining modest. A softer cost of capital could lower financing costs for inground pool builds, while slower inflation may relieve pressure on materials and labor costs. Lower rates typically reduce contractors’ borrowing costs, which can help keep inground pool installation quotes in check.

 

Variables Shaping Your 2026 Inground Pool Budget

Even with overall estimates for inground pool installations handy, some details can significantly shift your 2026 inground pool investment.

 

Permits

Local license fees vary wildly and depend on your city, county, or neighborhood’s regulations and approval processes. Your local pool builder should be familiar with the area’s ordinances and municipalities’ inspection requirements. Permits can cost from $100 to $1,000 or more. Ask your pool dealer who is responsible for acquiring the necessary permits, and whether or not they are part of your installation costs. 

 

Excavation

Every inground pool needs a hole in the ground, but soil type, accessibility, and sloping yards can change digging complexities and cost. Excavation for a 2026 inground pool dig averages from $1,000 to $5,000. Softer loam soil with a balance of sand, silt, and clay is easiest to excavate, while challenging conditions, such as rocky soil or uneven terrain, could add costs from a few hundred to several thousand dollars to address. Ask your dealer whether their excavation costs also include hauling away dirt.

 

Fencing

Safety comes first, and many state or local municipalities have codes requiring 4- or 5-foot barrier fencing surrounding new 2026 inground pool builds. Depending on the quality and aesthetics of the fence’s material, homeowners should budget to spend between $10 and $45 per linear foot. For a typical 200- to 300-foot fence, that’s an average total cost between $2,000 and $13,500.

 

Electrical Work

Reliable electricity is essential for your inground pool’s pump, filter, lights, and other critical equipment or decorative touches. The average cost to hire an electrician for larger projects like an inground pool installation is between $2,000 and $10,000. Your local pool dealer may offer electrical wiring and installation work as part of their standard installation package—either way, we recommend budgeting for at least $3,000 to $5,000 at minimum in electrical work.

 

Pool Cover

Temporary inground pool covers cost much less than automatic safety covers, which come at a higher price but also enhance convenience and peace of mind. 

• Winter covers can be inconvenient and cumbersome when closing your inground pool for the season, but they are a relatively inexpensive option with an average cost between $75 and $250.
• Manual retractable pool covers install a reel with a mechanical roller to cover and uncover the pool quickly, and have an average cost range of $1,500 to $6,000.
• Automatic pool covers are the most convenient option to open or close your inground pool at the touch of a button. A motor moves the retractable cover along a hidden track system under the pool decking, with installations averaging $8,000 to $20,000.

 

Pool Heater

Depending on where you live, a pool heater may be an essential inclusion or a luxurious add-on to lengthen your swimming season into cooler evenings and early spring or late fall weather. An electric resistance, natural gas, or propane inground pool heater can cost between $1,200 and $6,000 to install. Solar pool heaters and energy-efficient heat pumps average from $2,000 to $6,500, but feature lower monthly operating costs.

 

Patio, Decking, and Landscaping

Your inground pool may be the main draw, but the entire outdoor design should reflect your lifestyle and fit your vision. Paving, plantings, hardscape features, and other outdoor living space elements can boost enjoyment—but also your budget. Pool builders often include 3 feet of concrete decking around the pool perimeter, but lavish landscaping, a custom patio, and an outdoor living space with a fire pit or outdoor kitchen are typically additional expenses. Depending on the material—from poured or stamped concrete to brick, pavers, or natural stone—a 20-foot by 20-foot patio can average between $2,000 and $14,000.

 

FAQs: Saving Money on Your 2026 Inground Pool

Q: How can I keep pool costs manageable without sacrificing quality?
A: Prioritize must-haves first—like pool size, safety features, and basic decking. Extras such as water features or outdoor kitchens can always be added later once the core installation is complete.

Q: Are energy-efficient pool upgrades really worth it?
A: Yes. Variable-speed pumps, LED lighting, and heat pumps may cost more upfront, but they significantly reduce monthly operating expenses and typically pay for themselves over time.

Q: How can I avoid expensive repairs down the road?
A: Plan for maintenance from the start. A good pool cover, routine cleaning, and keeping water chemistry within ranges will protect your pool’s structure and equipment, saving money on repairs.

 

Planning for Your 2026 Inground Pool and Lifelong Investment

Building an inground pool in 2026 will require careful planning, but it remains one of the most rewarding upgrades you can make to your home. By factoring in size, pool type, site conditions, and the broader economic forces at play, you’ll be better prepared to shape a realistic budget.

To get a clearer picture, use the Thursday Pools Pool Cost Calculator and explore financing options with the Financing Calculator to see how monthly payments may fit your household budget. Then connect with an independent Thursday Pools dealer for tailored guidance. With the right preparation, your 2026 pool project can set the stage for years of enjoyment and value.