Inground Swimming Pool Cost & Pricing Guide

Exploring inground pool options means sorting through a lot, especially when it comes to cost. This guide breaks down what affects the price of an inground pool, how fiberglass, concrete, and vinyl liner pools compare, and what you can expect down the road when it comes to maintenance and ownership. 

Our goal is to give you a clear look at your options so you can plan confidently and pick the pool that feels right for your family and your backyard.

We also put together comprehensive buying guide that answers not only budget questions but all common questions people have when buying an inground pool. 

What you'll find on this page

To help you plan confidently, here’s a quick breakdown of what we’ll cover below:

• Fiberglass Pool Costs 
• Concrete (Gunite) Pool Costs 
• Vinyl Liner Pool Costs
• Lifetime Ownership Costs 
• FAQs

What Affects the Cost of an Inground Pool?

Before getting into the specific pool types, here are some factors that shape the overall cost of your pool project:

• Pool size and shape – Larger pools require more materials and labor.
  
  
• Site access & soil conditions – Tight yards, slopes, or rocky ground add complexity.
  
  
• Regional labor rates & permits – Costs vary by state and county.
  
  
• Add‑ons and upgrades – Lighting, automation, spas, tanning ledges, or water features.
  
  
• Patio, fencing, and electrical - often handled sparately but essential for completion 

When you're thinking about cost, it's helpful to think about it in two parts—what you pay to get the pool in the ground, and what it’ll cost to own over time. Both can look pretty different depending on where you live and what type of pool you choose.

Fiberglass Pool Costs

Fiberglass pools offer a quick install, durability, and long-term savings. River Pools shells are installed exclusively through independent installers to ensure quality and proper handling.

Typical Package options:

Standard packages can look different depending on the company, so it’s worth double-checking what’s actually included. Some don’t cover key items like permits, delivery, or even water fill.

You’ll also want to look closely at things like warranties, the type of equipment provided, and who manufactures the fiberglass shell.

And don’t forget about the extras, most homeowners spend another $25,000–$50,000 on things like electrical, patio work, fencing, and accessories.

For more on the costs that tend to sneak up, check out our article: Top 7 Hidden Costs of an Inground Pool Project.

DIY Fiberglass Pool Installation

A DIY package usually includes just the pool shell and delivery. From there, it’s up to the homeowner to handle the rest.

Some folks look into this option to save money, but we don’t recommend it. Installing a fiberglass pool takes experience, and mistakes can get costly.

That’s why River Pools shells are only available through independently owned and operated installation companies. We've found this to produce the most successful outcome.

That said, if you're pricing out a DIY option, be sure to ask if delivery is included in the quote. If it’s not, get a written estimate. Delivery fees can range from $1,500 to $4,500+ depending on your location, transport regulations, and pool size.

Fiberglass pools are basically classified into three size groups:

• small—less than 27 feet long
• medium—between 28 and 34 feet long
• large—35 feet long or longer

There are resources out there for DIY installs, but most homeowners prefer to leave it to the pros, and in our experience, that’s the best call. A misstep early on can lead to bigger problems (and higher costs) down the road.

Related Articles:

• DIY Fiberglass Pools: The Ultimate Project
• Top 5 DIY Fiberglass Pool Kit Mistakes and Considerations

Concrete/Gunite Pools: Initial Cost

Just to be clear, a gunite pool is a concrete pool.

Gunite is simply a way of applying the concrete that makes up the pool shell.

When comparing a concrete pool vs. a fiberglass pool, the key difference in upfront cost comes down to materials and labor. Concrete requires more of both, which typically drives a higher price out the gate.

Many folks are surprised to learn that the price gap between concrete and fiberglass pools isn’t as wide as expected. Turn-key gunite pool projects typically range from $95,000 to $225,000, with basic packages starting around $85,000 depending on the size and complexity.

But while upfront costs of concrete and fiberglass pools can overlap, concrete often brings higher long-term expenses due to resurfacing, chemical use, and longer construction timelines.

Related links:

• How Much Does a Concrete Pool Cost?
• How Much Does It Cost to Replace a Concrete Pool with a Fiberglass Unit?
• Cheap Concrete Pools, the Economy, and Common Pool Buying Mistakes

Vinyl Liner Pools: Initial Cost

Vinyl liner pools remain popular due to their low initial cost, which is by far their most appealing attribute.

While many homeowners find the price of vinyl pools attractive, there are a few things to keep in mind. Vinyl liners will typically need to be replaced every 5 to 9 years, which adds to the long-term cost. They’re also more prone to damage and because of that require more care compared to fiberglass.

That said, if you're working with a tighter budget upfront, vinyl liner pools remain a popular and widely used option.

Related links:

• Ultimate Budget Guide for an Inground Vinyl Liner Pool
• How to Make Vinyl Liner Pools More Attractive
• How Much Does It Cost to Replace a Vinyl Liner Pool with Fiberglass?

Still not sure which type of pool would best suit your needs?

We've got just what you need! Click the button below, answer a few quick questions, and we'll show you whether concrete, vinyl liner, or fiberglass is the material that can best deliver the pool of your dreams.

Get some answers now by clicking below:

Lifetime Cost of Ownership Associated with Each Type of Pool

Now, let's take a look at how much it costs to own each type of pool over time.

This chart compares the 10-year swimming pool cost of fiberglass, vinyl, and concrete pools:

You can see the huge disparity between the maintenance costs of these three types of swimming pools.

Why is the cost to own a fiberglass pool so much less?

First, they are incredibly durable.

Second, they are very efficient.

Let's take a closer look.

Why Are Fiberglass Pools So Durable?

One big reason fiberglass pools hold up so well is the gelcoat layer, that smooth, protective surface you see and touch. Thanks to advancements over the years, modern gelcoats can last longer and can stand up better to wear and tear.

With the right maintenance, a quality gelcoat can last for decades, possibly even a lifetime. 

By comparison, concrete pools typically need resurfacing every 10 to 15 years, which can be a pretty big investment. Vinyl liners typically need to be replaced every 5 to 9 years, and those costs add up too.

Why Are Fiberglass Pools So Efficient?

Fiberglass pools tend to be more efficient because they have a faster install time, require less day-to-day care, and often cost less over time. 

The smooth surface helps prevent algae from taking hold, which can mean fewer chemicals and not as much time spent on upkeep.

Depending on your setup, you may also be able to run your pump and filter at lower speeds or for shorter periods which can provide substantial energy savings.

Over the years, many homeowners also see fewer maintenance and repair costs, making fiberglass a smart, long-term option for many families.

That’s inground swimming pool pricing in a nutshell. The right choice comes down to balancing upfront cost with long‑term ownership, and choosing what works best for your backyard and your budget.

Check out the other questions below to continue your journey to find the perfect pool. You can also further explore the differences between fiberglass, concrete, and vinyl liner pools.

Related Links:

• Pool Loans 101: Rates, Payments, and How to Qualify
• Inground Pool Coping: Idea and Cost Guide!
• 5 Ways to Make Your Swimming Pool Project More Affordable
• Seasonal Savings and Inground Pools: Is Spring or Fall/Winter a Better Time to Install?
• Inground Pool Cost of Ownership: Fiberglass vs. Concrete vs. Vinyl
• The Ultimate Guide to Swimming Pool Financing: Making Your Backyard Dreams a Reality

Frequently Asked Questions

Q: How much does an inground pool cost?

A: Inground pool prices vary based on the type of pool, size, location, and project scope. On average, fiberglass pools range from $85,000 to $200,000, concrete (gunite) pools from $95,000 to $225,000, and vinyl liner pools from around $45,000 to $100,000 for full installation. Costs for electrical, patio, fencing, and extras are often additional.

Q: What’s the difference in pricing between fiberglass, vinyl, and concrete pools?

A: Fiberglass pools offer faster installation, easier upkeep, and lower long-term costs. Concrete pools allow for full customization but typically come with higher upfront and maintenance costs. Vinyl liner pools are the most affordable upfront but require liner replacements every 5–9 years. Each has pros and cons depending on your goals and budget.

Q: Which type of inground pool is the most affordable over time?

A: While vinyl liner pools have the lowest upfront cost, fiberglass pools often offer better long-term value. If cared for properly, fiberglass pools are easier to maintain which helps reduce ongoing costs over the years.

Q: What’s included in fiberglass pool installation pricing?

A: It depends on the package. Basic installs usually include the shell, delivery, and equipment. Turn-key packages add project management, permits, water fill, and finish work. It’s also common to spend $25,000–$50,000 on patios, fencing, and electrical work, which are often separate from pool quotes.

If you’re still not sure which pool type makes the most sense for your backyard, don’t worry, we’ve got just the thing. 

Sorting through the costs of inground pools can feel like a lot, and that’s exactly why we put this guide together. We want to give you a clear, realistic understanding of what goes into each type of pool so you can plan with confidence. From initial pricing to long-term ownership costs, our goal is to help you see the full picture and choose the option that makes sense for your home and budget.

At River Pools, we build high-quality fiberglass pools that are installed by independently owned and operated installation companies across the country. When you’re ready to talk through your specific project, we can help connect you with a trusted independent installer who can walk your yard, answer your questions, and guide you the rest of the way.

Ready to start the conversation?

This content was updated December 8, 2025.