Building an inground pool is one of the most exciting home improvement projects for many Texas homeowners. With long, hot summers and a culture that values outdoor living, pools are more than a luxury—they can be a practical addition for comfort, recreation, and even home value. But before breaking ground, the first question most people ask is: What is the cost of an inground pool in Texas?
The answer depends on several factors, including the type of pool, size, materials, features, and even the region of Texas you live in. This article provides a clear, fact-based breakdown of costs associated with installing and maintaining an inground pool in Texas, so you can make an informed decision.
Cost of an Inground Pool in Texas
The average cost of an inground pool in Texas ranges from $35,000 to $65,000, with most homeowners spending about $45,000 to $55,000 for a standard-size pool without luxury features. However, costs can climb significantly if you choose premium finishes, custom designs, or add features like waterfalls, spas, or elaborate lighting.
To give you a quick snapshot:
| Type of Inground Pool | Average Cost in Texas | Key Notes |
|---|---|---|
| Concrete (Gunite/Shotcrete) | $50,000 – $100,000+ | Highly customizable, long-lasting, most expensive option. |
| Fiberglass | $40,000 – $85,000 | Faster installation, lower maintenance, limited shapes/sizes. |
| Vinyl Liner | $35,000 – $65,000 | Lower upfront cost, higher long-term liner replacement expenses. |
Key takeaway: The type of pool you choose is the single most important factor in determining cost.
Breaking Down Pool Costs
When pricing an inground pool, it helps to understand what makes up the final number. In Texas, you’ll typically be paying for:
- Excavation and site prep – Removing soil, grading land, and preparing for construction.
- Pool shell – Whether it’s concrete, fiberglass, or vinyl.
- Plumbing and electrical – Pumps, filters, wiring, and circulation systems.
- Decking and coping – The border and surrounding area of the pool.
- Finishes – Tile, plaster, or custom surface materials.
- Optional features – Slides, spas, lighting, waterfalls, or heating systems.
- Permits and inspections – Local city or county requirements.
Each of these components adds to the overall price, and in Texas, regional labor and material costs can also influence the total.
Concrete (Gunite) Pools in Texas
Concrete pools, often called gunite pools, are the most popular type in Texas due to their durability and customization options.
- Average cost: $50,000 to $100,000+
- Lifespan: 50+ years with proper maintenance
- Pros: Unlimited design flexibility, extremely durable, increases property value
- Cons: High upfront cost, requires resurfacing every 10–15 years
A typical gunite pool project includes excavation, rebar framing, spraying of concrete mix, and then finishing with plaster, pebble, or tile. Texans often choose this option for large backyard spaces and custom designs that complement their home’s style.
Added costs for concrete pools:
- Premium finishes (pebble, quartz, or glass bead): $7,000 – $15,000
- Custom shapes or freeform designs: $5,000 – $10,000 extra
- Attached spa or hot tub: $8,000 – $15,000
Fiberglass Pools in Texas
Fiberglass pools are a popular middle ground between cost and convenience. They come pre-manufactured and are delivered as a single shell that’s installed in your yard.
- Average cost: $40,000 to $85,000
- Lifespan: 25–30 years
- Pros: Fast installation (2–4 weeks), low maintenance, smooth surface resists algae
- Cons: Limited shapes and sizes, transportation costs may be higher in rural areas
Fiberglass is an attractive option for homeowners who want a durable pool without the lengthy construction timeline of concrete. In Texas, where warm weather extends the swimming season, fiberglass’s lower maintenance demands are a significant advantage.
Vinyl Liner Pools in Texas
Vinyl pools are the least expensive to install but come with ongoing costs for liner replacement.
- Average cost: $35,000 to $65,000
- Lifespan: 20–25 years (liners must be replaced every 7–10 years at $3,000–$6,000 each time)
- Pros: Lower upfront cost, smooth surface, customizable shapes with steel or polymer walls
- Cons: Less durable, liners are prone to tears and fading under Texas sun
These pools are common in parts of Texas where budget is a major consideration, but long-term maintenance costs should be factored in.
Regional Price Differences in Texas
Texas is a large state, and pool costs can vary by location:
- Dallas–Fort Worth: Higher labor costs but many contractors, creating competition.
- Houston: Large market with competitive pricing, but higher humidity means stronger materials are preferred.
- Austin: Costs trend higher due to demand and stricter permitting requirements.
- San Antonio: More affordable labor rates; popular for traditional designs.
- Rural Texas: Transportation and delivery fees for materials (especially fiberglass) can increase total costs.
On average, urban homeowners may pay 10–15% more for pool construction than rural residents, though rural areas may see added delivery fees.
Size and Depth Influence Cost
The bigger and deeper the pool, the higher the cost—not just in excavation, but also in materials, water, and long-term maintenance.
- Small pools (10’ x 20’): $30,000 – $45,000
- Medium pools (15’ x 30’): $45,000 – $65,000
- Large pools (20’ x 40’): $70,000 – $100,000+
Depth also matters. A pool deeper than 8 feet requires extra excavation, stronger walls, and more water, adding $5,000 to $10,000 to the project.
Pool Features and Their Costs
Texas homeowners often choose to enhance their pools with luxury features. Here’s what to expect:
- Waterfalls and rock features: $2,500 – $15,000
- Tanning ledge (shallow sun shelf): $1,500 – $5,000
- Pool lighting (LED systems): $700 – $2,500
- Heaters (gas or electric): $3,500 – $7,500
- Automatic pool cover: $10,000 – $15,000
- Saltwater system conversion: $1,500 – $3,000
These features add functionality, beauty, and value, but can quickly increase the budget.
Decking and Landscaping
The pool itself is only part of the project. Decking and landscaping create the finished look and can represent 15–30% of the total cost.
- Concrete decking: $8–$12 per sq. ft.
- Stamped or stained concrete: $12–$18 per sq. ft.
- Natural stone (flagstone, travertine): $20–$35 per sq. ft.
- Wood/composite decking: $15–$25 per sq. ft.
A modest 600 sq. ft. deck can add anywhere from $7,000 to $20,000 depending on the materials used.
Permits and Regulations in Texas
Before construction, Texas homeowners must account for local permits and regulations.
- Permit costs: Typically $500 – $2,000, depending on city or county requirements
- Inspections: Safety inspections for electrical and plumbing are standard
- Fencing requirements: Texas law requires a protective barrier (usually at least 4 feet high) around pools for safety, adding $1,500 – $5,000 depending on materials
Failing to budget for permits and fencing can lead to costly delays.
Maintenance and Long-Term Costs
An inground pool isn’t just about the initial installation—it comes with ongoing expenses. In Texas, where pools are used heavily, maintenance costs are a crucial factor.
Annual Maintenance Costs in Texas:
- Chemicals and supplies: $500 – $1,000
- Professional cleaning service: $1,200 – $2,400
- Utilities (pumps, heating, lighting): $800 – $1,500
- Repairs/resurfacing (averaged yearly): $500 – $1,000
Total annual cost: $3,000 – $5,000
Concrete pools typically cost the most to maintain long-term, while fiberglass is the least expensive.
Financing Options for Pools in Texas
Because the upfront cost of an inground pool can be significant, many Texans turn to financing options:
- Home equity loans – Lower interest rates, but use your home as collateral.
- Pool loans – Offered by specialized lenders, terms vary.
- Personal loans – Higher interest, but faster approval.
- Builder financing – Many pool companies in Texas offer in-house financing plans.
Average monthly payments for financed pools typically range from $350 to $700 depending on loan amount, term length, and credit score.
We’ve covered the major factors that determine the price of an inground pool in Texas, including type, size, features, and maintenance. To complete this comprehensive guide, let’s look at additional considerations like return on investment, energy efficiency, seasonal impacts, and long-term value. These aspects matter just as much as the initial cost when deciding whether a pool is the right choice for your home.
Return on Investment (ROI) of an Inground Pool in Texas
Many homeowners wonder if a pool adds value to their property. The answer is nuanced—it depends on your location, neighborhood trends, and the quality of the installation.
- Home value increase: On average, a well-designed pool in Texas can increase property value by 7–15%.
- Neighborhood factor: Homes in upscale neighborhoods where pools are common see higher returns. In areas where pools are rare, the ROI may be less.
- Buyer demand: In Texas, with its extended swimming season, buyers are more likely to view a pool as an asset than in colder states.
While you may not recoup every dollar spent, a pool often improves a home’s marketability and overall appeal.
Energy Efficiency and Cost-Saving Options
Pools can consume significant energy, especially in Texas summers when pumps and filters run daily. Fortunately, newer technologies help reduce operating costs.
1. Variable-Speed Pumps
- Cost: $1,200 – $2,000 upfront
- Savings: Up to 70% less energy use compared to single-speed pumps
2. Solar Heating Systems
- Cost: $4,000 – $8,000
- Savings: Cuts heating bills drastically; ideal for sunny Texas climate
3. LED Pool Lighting
- Cost: $700 – $2,500
- Savings: Uses up to 80% less electricity than traditional lighting
4. Automatic Timers and Smart Controls
- Cost: $500 – $1,500
- Savings: Prevents overuse of pumps, heaters, and lights
By investing in efficient systems upfront, homeowners can save hundreds of dollars annually in operating costs.
Seasonal Considerations for Texas Pools
Texas’s climate plays a big role in pool use and upkeep.
- Summer (May–September): Peak usage; highest utility and chemical costs.
- Spring & Fall: Mild weather allows extended use, especially with heaters.
- Winter (December–February): In most of Texas, pools don’t need to be closed fully, but maintenance continues.
Unlike northern states, Texans rarely “winterize” pools completely. Instead, owners may reduce pump run times and chemical treatments. This makes pools a year-round responsibility.
Insurance and Liability Costs
Homeowners should also budget for increased insurance premiums.
- Pool liability coverage: Typically adds $50 – $100 per month to homeowners insurance.
- Safety compliance: Many insurers require fencing, self-latching gates, and sometimes pool covers.
Failing to update your policy after installing a pool can leave you underinsured in case of accidents.
How Long Does It Take to Build a Pool in Texas?
Construction timelines can impact costs, especially if delays occur.
- Concrete (Gunite): 8–12 weeks
- Fiberglass: 2–4 weeks
- Vinyl Liner: 4–6 weeks
Permitting and inspections in Texas can add time, especially in larger cities. Homeowners should plan for at least 2–3 months from contract signing to completion.
Comparing Pool Builders in Texas
The contractor you choose significantly affects the total cost and quality of the pool.
What to look for in a Texas pool builder:
- Licensing and insurance
- Experience with local soil conditions (expansive clay is common in Texas)
- References and portfolio of completed pools
- Warranties for workmanship and equipment
Going with the lowest bid may save money upfront but can lead to costly repairs later. Reputable builders usually charge slightly more but provide better long-term value.
Common Hidden Costs to Watch Out For
When budgeting, many homeowners overlook certain expenses:
- Soil issues: Rocky soil or clay can add $2,000 – $10,000 in excavation costs.
- Utility upgrades: New electrical panels or gas lines may be required, costing $1,000 – $5,000.
- Landscaping restoration: After construction, repairing lawns or gardens can add $2,000 – $8,000.
- Water filling: A standard 20,000-gallon pool costs around $100 – $200 to fill in Texas, depending on local water rates.
Being aware of these hidden costs helps prevent unpleasant surprises during the project.
Pool Safety Requirements in Texas
Safety is both a legal and financial factor.
- Fencing laws: Texas requires pools to be enclosed by a fence at least 48 inches high with self-closing, self-latching gates.
- Alarms: Some counties require door or gate alarms if the home opens directly onto the pool area.
- Drain safety: Federal law mandates anti-entrapment drain covers.
Compliance not only avoids fines but also protects your family and visitors.
Saltwater vs. Chlorine Pools
Another cost decision is whether to choose a traditional chlorine pool or a saltwater system.
| System | Initial Cost | Annual Cost | Pros | Cons |
|---|---|---|---|---|
| Chlorine | $0 extra | $600 – $800 | Lower upfront cost | More maintenance, harsher on skin |
| Saltwater | $1,500 – $3,000 | $100 – $400 | Softer feel, less maintenance | Higher upfront cost, equipment replacement after 5–7 years |
In Texas, where pools are heavily used, saltwater is becoming increasingly popular despite the higher upfront investment.
Pros and Cons of Owning a Pool in Texas
Pros:
- Enhances outdoor living and entertainment
- Increases home appeal and potential resale value
- Provides exercise and relaxation
- Year-round enjoyment in much of Texas
Cons:
- High upfront and ongoing costs
- Increases insurance premiums
- Requires regular upkeep and attention
- May not appeal to every homebuyer in the future
Real-World Examples of Pool Costs in Texas
To illustrate how costs play out, here are some examples based on actual homeowner reports:
- Houston Suburb, Medium Fiberglass Pool: $52,000 including basic decking, saltwater system, and LED lights.
- Austin, Large Gunite Pool with Spa: $98,000 with custom shape, premium pebble finish, and waterfall.
- San Antonio, Vinyl Liner Pool: $42,000 including standard liner and stamped concrete deck.
These examples show the range of prices based on choices and location.
Tips to Save Money on a Pool in Texas
- Build in the off-season – Fall and winter often mean lower contractor demand and faster timelines.
- Limit luxury add-ons – Features like waterfalls can always be added later.
- Choose efficient systems – Save money long-term with energy-efficient pumps and heaters.
- Compare multiple bids – Get at least three detailed quotes before deciding.
- Consider pool size carefully – A slightly smaller pool can save tens of thousands.
Conclusion: What to Expect When Budgeting for a Texas Pool
The cost of an inground pool in Texas generally ranges from $35,000 to $65,000, but high-end custom builds can exceed $100,000. The type of pool, location, size, and features all play major roles in determining your final price.
- Concrete pools are the most expensive but longest lasting.
- Fiberglass pools balance cost and convenience.
- Vinyl liner pools offer a lower upfront investment but higher long-term costs.
Beyond installation, expect to budget $3,000 to $5,000 annually for maintenance, utilities, and upkeep.
For Texans, a pool is more than a backyard feature—it’s a lifestyle investment. With proper planning, energy-efficient systems, and smart budgeting, it can provide decades of enjoyment while adding long-term value to your home.