Inground vs. Above Ground Pools: Which is Right for You (and Your Budget)?

By / July 28, 2025

Inground vs. Above Ground Pools: Which is Right for You (and Your Budget)?

Choosing to install a pool is a big decision, promising years of fun, relaxation, and increased home value (potentially!). But before you can dive in, you face a crucial choice: inground or above ground? Both options have their pros and cons, impacting everything from cost and installation to aesthetics and longevity. This article will explore the key differences between inground and above ground pools, helping you decide which is the perfect fit for your lifestyle and, importantly, your budget.

Initial Cost Considerations

Let’s cut to the chase: cost is often the deciding factor for many homeowners. Above ground pools are significantly more affordable upfront. You can typically purchase a decent above ground pool kit for a few thousand dollars, and the installation costs are also lower, often DIY-able or requiring a relatively inexpensive professional setup. Inground pools, on the other hand, represent a major investment. Expect to pay tens of thousands of dollars, and that’s before factoring in landscaping, decking, and permits. The price tag reflects the extensive excavation, construction, and finishing work involved.

While the initial price difference is substantial, it’s crucial to consider the long-term picture. Inground pools, if properly maintained, can last for decades and add significant value to your property. Above ground pools, while less expensive to install, typically have a shorter lifespan and may not add as much to your home’s resale value.

Installation: A Tale of Two Processes

The installation process for inground and above ground pools is vastly different. Above ground pools can often be assembled in a weekend with a few friends or a relatively quick professional installation. The process involves leveling the ground, assembling the pool frame, installing the liner, and connecting the filtration system. Inground pool installation is a much more involved undertaking.

Inground Pool Installation Details

Installing an inground pool requires professional excavation, steel or fiberglass shell installation, plumbing, electrical work, and concrete pouring (or other deck construction). Permits are almost always required, and inspections are common. The entire process can take several weeks, even months, depending on weather conditions and the complexity of the design. The disruption to your yard can also be significant, requiring replanting and landscaping after the pool is complete.

Above Ground Pool Installation Nuances

Above ground pools offer the advantage of being potentially temporary structures. While most homeowners leave them in place for years, they can technically be disassembled and moved, although this is rarely done. This can be an advantage if you’re renting or plan to move in the near future. However, it also means they’re more susceptible to damage from weather and require more frequent maintenance to prevent rust and corrosion.

Aesthetics and Design Flexibility

Inground pools offer unparalleled design flexibility. You can customize the shape, size, depth, and features to perfectly match your backyard landscape and personal preferences. Options range from simple rectangular pools to elaborate freeform designs with waterfalls, spas, and integrated lighting. You can choose from a variety of materials for the surrounding deck, creating a seamless and visually appealing outdoor living space. Above ground pools, while improving in design options, are generally limited to round, oval, or rectangular shapes. Decking options are also more limited, often consisting of a simple platform around the pool.

Maintenance and Upkeep

Both inground and above ground pools require regular maintenance to keep the water clean, clear, and safe for swimming. This includes testing and balancing the water chemistry, cleaning the pool surface and filter, and vacuuming the pool floor. Inground pools, due to their larger size and more complex plumbing systems, can sometimes require more extensive maintenance. They may also be more susceptible to algae growth due to deeper sections and more shaded areas. However, advancements in automatic pool cleaners and saltwater chlorination systems can significantly reduce the amount of manual labor required.

Safety Considerations

Safety is paramount when owning a pool, regardless of whether it’s inground or above ground. Local regulations often require fencing around pools to prevent accidental drowning. Inground pools often require more elaborate fencing and gate systems, while above ground pools can sometimes use the pool walls themselves as part of the barrier. However, it’s crucial to ensure that the pool ladder is removed or secured when the pool is not in use to prevent unauthorized access. Pool alarms are also recommended for both types of pools, providing an extra layer of protection.

Longevity and Durability

Inground pools, built with durable materials like concrete, fiberglass, or vinyl, are designed to last for decades with proper maintenance. Above ground pools, constructed from metal frames and vinyl liners, typically have a shorter lifespan. The liner is particularly vulnerable to damage from sun exposure, chemicals, and sharp objects. However, with careful maintenance and timely liner replacements, an above ground pool can still provide many years of enjoyment.

Resale Value and Home Improvement

An inground pool is generally considered a significant home improvement that can increase your property’s resale value. While the exact return on investment varies depending on location and market conditions, a well-maintained inground pool can be a major selling point. Above ground pools typically have a smaller impact on resale value, and in some cases, may not add any value at all. Some potential buyers might even view an above ground pool as a maintenance burden.

Making the Right Choice

Ultimately, the best type of pool for you depends on your individual needs, budget, and lifestyle. If you have a larger budget, value design flexibility, and plan to stay in your home for many years, an inground pool may be the ideal choice. If you’re looking for a more affordable and easier-to-install option, an above ground pool can provide years of enjoyment without breaking the bank. Consider your priorities, weigh the pros and cons of each type, and consult with pool professionals to make an informed decision.

No matter which type you choose, owning a pool is a fantastic way to enhance your outdoor living space and create lasting memories with family and friends. Dive in and enjoy!