Breaking Down Costs & What to Expect When Budgeting for a Pool
If you’re like many homeowners in Massachusetts or New Hampshire, you’ve probably dreamed of having an inground pool in your backyard—especially if you have kids who love to swim. But before diving in, you might be wondering: How much does an inground pool cost?
That’s a great question, and the answer isn’t one-size-fits-all. There are a lot of factors that go into the total cost of installing and maintaining a pool, so let’s break it down in a way that makes sense.
What’s the Average Cost of an Inground Pool in MA & NH?
One of the first things to understand is that pool prices vary depending on the type of pool you choose. Here’s a rough breakdown of what you can expect to pay:
| Pool Type | Average Cost (Installation Only) |
| Vinyl Liner Pool | $50,000 – $80,000 |
| Fiberglass Pool | $65,000 – $100,000 |
| Gunite (Concrete) Pool | $75,000 – $150,000+ |
For most families in Essex County, MA, and Rockingham County, NH, a vinyl liner pool is the most popular option because it offers a great balance of affordability, durability, and customization.
That said, installation is only part of the overall cost, so let’s dig into what else you should factor into your budget.
Beyond the Installation: What Other Costs Should You Consider?
When budgeting for a pool, it’s important to think beyond the initial installation. Here are some of the most common costs that come up:
1. Pool Decking & Landscaping
Most pool installations include a basic concrete deck, but many homeowners choose to upgrade with pavers, stamped concrete, or natural stone. Expect to spend an additional $10,000 – $25,000 depending on the material and size. Also consider the grade of your yard. Will you need retaining walls, stone steps and walkways to go out to the pool?
2. Fencing & Safety Requirements
Both Massachusetts and New Hampshire require safety barriers around inground pools, which means you’ll likely need to install a fence if you don’t already have one. Pool fencing can range from $3,000 to $10,000, depending on the style and material. Most popular is 3 rail black aluminum fencing which is roughly $50/ft. Plus gates.
3. Pool Equipment & Accessories
-
- Heating System: Extends your swim season ($4,000 – $8,000)
- Automatic Pool Cover: Enhances safety and retains heat ($3,000 – $7,000)
- Lighting & Water Features: For added aesthetics ($1,500 – $5,000)
- Smart automation systems: Want to control your pool with your phone? ($1500-$4000)
- Saltwater Chlorine Generators: Consistent clean healthy water ($2000-$3000)
4. Annual Maintenance & Upkeep
A pool isn’t a one-time expense—you’ll need to budget for ongoing maintenance, including:
✔ Water chemistry & chemicals: $500 – $1,000 per year
✔ Electricity for pumps & heating: $500 – $2,500 per year
✔ Liner replacement (if vinyl): Every 8–12 years ($5,000 – $7,000)
💡 Money-Saving Tip: Many families in Middleton, Salem, and North Andover reduce maintenance costs by investing in energy-efficient equipment and enrolling in pool service plans. At St. Cyr Pool & Spa we offer maintenance packages so you can enjoy, and we do the work.
💡 Simplify pool care with our professional pool maintenance services.
Is an Inground Pool Worth the Investment?
For families with kids, a backyard pool can be a game-changer. It’s not just about having a place to cool off—it’s about creating memories, encouraging outdoor play, and bringing people together.
Still, it’s a big decision, and it’s okay to take your time weighing the costs vs. benefits. If you’re still on the fence, here are a few questions to ask yourself:
- Do we plan to stay in this home for at least 5–10 years? (Pools add home value, but short-term owners may not see a full return.)
- Will we actually use it? (Do you and your kids love swimming enough to make it worth the investment?)
- Can we comfortably afford both the installation and ongoing upkeep? (Financing is an option for many families who don’t want to pay upfront.)
Final Thoughts: Planning Your Pool Budget
At the end of the day, installing an inground pool is a big financial commitment, but it can also be one of the best investments in your family’s happiness and quality of life. If you’re considering it, take the time to map out a realistic budget, explore financing options, and get quotes from reputable pool builders in your area.
📍 Looking for expert advice? Whether you’re still in the research phase or ready to start planning, St. Cyr Pool & Spa is here to help! We’ve been installing custom inground pools in Massachusetts & New Hampshire for years, and we’re happy to walk you through the process step by step.
📞 Call us today to chat with a pool expert, or stop by one of our showrooms in Middleton, MA; Hampstead, NH; or North Hampton, NH to explore your options!
💡 Ready to get started? Visit our Inground Pool Installation Page to schedule a consultation.
by