Inground and above-ground pools can both give you a great place to cool off, but they’re built for very different goals, budgets, and timelines.
For some folks, an above-ground pool is a quick, affordable way to enjoy the water. For others, an inground pool is part of a long-term plan to create a more permanent backyard space.
If you’re weighing these two options, it helps to understand how they compare, not just in price, but in how they function, how long they last, and what owning each one actually looks like over time.
Let’s break it down.
What’s the main difference between inground and above-ground pools?
The biggest difference comes down to how the pool is built and how long it’s designed to last.
- Inground pools are installed into the ground and are designed as a permanent part of your backyard
- Above-ground pools sit on top of the ground and are typically considered more temporary
Both can provide a similar amount of swim space, but how they function—and how long they last—can be very different.
How much does an inground pool cost?
Most inground pools fall within this range:
- $60,000–$120,000+ installed
This typically includes:
- The pool itself
- Basic patio or decking
- Installation and labor
Costs can go higher depending on:
- Pool type (fiberglass, vinyl liner, or concrete)
- Size and depth
- Added features like heaters, lighting, or water features
How much does an above-ground pool cost?
Above-ground pools are much more affordable upfront:
- $4,000–$12,000 installed (without decking)
Typical cost breakdown:
- Pool kit: $1,000–$8,000
- Installation: $1,000–$5,000
- Decking (optional): can add several thousand dollars
In many cases, if you add a large surrounding deck, the total cost can increase significantly.
Are inground pools bigger than above-ground pools?
Not necessarily.
Above-ground pools can actually be quite large. For example, a 30-foot round above-ground pool can offer as much, or more, swim area than a standard inground pool.
However, there are some limitations:
- Above-ground pools typically have uniform depth throughout
- Inground pools can offer deep and shallow areas, slopes, and built-in features
So while size can be similar, functionality and versatility are where inground pools stand out.
Which type of pool is easier to maintain?
Maintenance is fairly similar between the two.
Both pool types require:
- Regular cleaning
- Water chemistry balancing
- Filtration system use
One difference to consider with an above-ground pool is without a surrounding deck, it can be harder to access and clean around the perimeter.
Overall, maintenance isn’t usually the deciding factor between the two, it’s more about access and convenience.
How long do inground vs. above-ground pools last?
This is one of the biggest differences between the two.
Above-ground pools typically last between 7–15 years, with liners needing to be replaced every 5–9 years along the way.
The lifespan of an inground pool depends on the type of pool you get. Fiberglass pools can last decades, often 25–50 years or more, if maintained properly.
Vinyl liner pools also have long-lasting structures, but the liner itself will need to be replaced every 5–9 years.
Concrete pools are similarly durable structurally, though they require resurfacing every 10–15 years to maintain their finish.
Overall, inground pools are built for long-term use, while above-ground pools are generally temporary.
Which type of pool is right for you?
Choosing between an inground and above-ground pool really comes down to how you plan to use your backyard and what kind of investment you’re comfortable making.
Above-ground pools tend to make the most sense for homeowners who want a lower upfront cost, a quicker installation, and a more flexible, shorter-term solution. They’re a great way to get in the water without committing to a major project.
Inground pools, on the other hand, are typically a better fit if you’re thinking long-term. They offer more customization, greater depth options, and a more permanent, integrated look in your backyard, but they also come with a higher upfront investment and commitment.
As you weigh your options, it helps to think about how long you plan to stay in your home, what your total budget looks like over time, and whether you’re looking for something temporary or more permanent.
Frequently Asked Questions
How much do inground pools and above-ground pools cost?
Above-ground pools typically cost $4,000–$12,000 installed (without decking), while inground pools usually range from $60,000 to $120,000+ depending on the type, size, and features.
Do above-ground pools last as long as inground pools?
No. Above-ground pools usually last 7–15 years, while inground pools can last decades depending on the type. However, both may require liner replacements or surface work over time.
Are above-ground pools harder to maintain than inground pools?
Not necessarily. Both require similar maintenance like cleaning and balancing water chemistry. However, above-ground pools can be harder to access and clean if there’s no surrounding deck.
Can an above-ground pool be as big as an inground pool?
Yes, in some cases. Above-ground pools can offer similar surface area, but they are typically limited to a uniform depth, while inground pools allow for shallow and deep areas.
About the author
Choosing between an inground and above-ground pool is one of the first big decisions homeowners face, and it’s not always as straightforward as it seems.
I’m Marcus Sheridan, co-founder of River Pools Virginia. For more than 20 years, I’ve worked with homeowners navigating these exact comparisons, helping them understand the real differences between pool options so they can make confident decisions.
I wrote this article to give you a clear, honest look at how inground and above-ground pools compare, not just in upfront cost, but in how they perform over time. My goal is to help you cut through the noise, understand what matters most, and choose the option that truly fits your situation.
From the manufacturer
At River Pools, we talk with a lot of homeowners who are weighing their options and trying to understand the real differences between inground and above-ground pools.
Through our experience working with independent installers and families across the country, we’ve seen how factors like budget, timeline, and long-term plans shape that decision. Articles like this are designed to give you a clear, side-by-side look so you can better understand what each option offers and what it may look like to own one over time.
If you’re considering an inground pool and want to explore what it could look like in your backyard, the next step is connecting with a trusted independent installer in your area. They can evaluate your space, walk through your options, and help you plan a project that fits your goals.
Ready to start the conversation?
