Does A Pool Add Value To Your Home? | Bankrate (2023)

Here’s a cool and refreshing thought: Swimming pools are getting more popular.

Despite delays for some equipment and building materials, the swimming pool construction industry has grown 2.4% per year on average since 2017, according to market research company IBISWorld. And it’s expected to continue over the next five years — buoyed by virus-averse homeowners who want to avoid public pools and communal beaches, and splash in the privacy of their own homes.

Which raises the question: Does a swimming pool add value to your home? Research suggests that it can — but not always. Unlike most landscaping and other exterior home-improvement projects, it’s complicated. Let’s look at the pros, cons and factors influencing the issue.

Does a pool add value to a home?

First off, let’s define our terms. When we say swimming pool, we mean an in-ground pool — the permanent kind that requires a large hole to be dug in your yard, not the above-ground type that resembles a big tank. “In many markets, in-ground pools are preferred and above-ground pools do not increase the value of a home,” Melissa Zavala, a broker with Broadpoint Properties in San Diego, says.

Many experts say having a well-kept pool can boost your resale value. “If you search for real estate, you will most certainly see a higher cost for homes with ready-made backyards that include pools,” says Ralph DiBugnara, president of New York City-headquartered Home Qualified, a digital resource for homebuyers, sellers and Realtors.

(Video) Does A Pool Add Value To Your Home!

Pools are particularly coveted in regions where they can be used year-round. “If you live in a warmer climate like Florida or Texas, it can increase your property value and make it more likely to sell your home,” notes Tom Casey, vice president of sales at Anthony & Sylvan Pools in Doylestown, Penn.“Coastal or resort communities with vacation home rentals allow owners with swimming pool properties to command higher rental rates than nearby properties without them. And higher-end neighborhoods are also more amenable to pools that increase a home’s resale value.”

In fact, if most of your neighbors have pools but you don’t, it could decrease your home’s worth on the market. “But if you live in a typical community where some houses have pools but most do not, having a pool built will probably not have any impact on the value of your home,” cautions Robert Taylor, owner of The Real Estate Solutions Guy in Sacramento, a home-buying and flipping company.

How much value does a pool add to a home?

The experts are a split on how much a pool can contribute to a home’s value.

One HouseLogic study suggests an increase of 7 percent, at most, under ideal conditions, while HGTV reports that the average in-ground pool can up your property’s value by 5 to 8 percent. Another analysis by the brokerage Redfin of 19 warm-weather markets found that a pool can add between $11,591 and $95,393 in value to your home, depending on the location and market.

But some of those stats pre-date the pandemic. More recent figures show pools in a more profitable light. The Top Agent’s Insights for Spring 2021 Report published by HomeLight found that since the start of 2020, the value an in-ground pool adds to a home has increased by 69% on average.

(Video) Does Adding a Pool Really Add Value to a Home?

As is true of virtually any facet of real estate, location makes a big difference.“In towns with a below-average amount of pools, a homeowner with a pool could see a large increase in value because of their unique selling proposition,” DiBugnara explains. “Also, neighborhoods that are heavily populated with school-age children will likely see the greatest increase in the need for pools.”

Be forewarned, however: The presence of a pool isn’t enough to raise your likelihood of higher resale value. “A poorly maintained pool in need of repair or maintenance could drag your home value down and deter buyers,” cautions DiBugnara.

What does it cost to install a pool?

Understanding what sort of value a pool can add is important, because adding a pool is not an inexpensive proposition.

The average cost to build an in-ground pool, including labor and materials, ranges from $20,000 to $60,000 for a fiberglass pool and $35,000 to $65,000 for one made from gunite or concrete. The typical tab for an above-ground model spans $800 to $15,000.

“Bear in mind that, although in-ground pools are pricier, they tend to last years longer than above-ground pools,” says Casey.

(Video) How Much Value Does a Pool Add to a House? | US Home Value

Cost to maintain a pool

Pool upkeep and repair isn’t cheap, either. HomeAdvisor reports that the average cost for basic pool maintenance annually is $500 to $4,000. Throw in needed repairs and utility costs (like water and, if you use a pool heater, fuel) and the combined yearly total can range from $2,500 to $7,000.

Upkeep will require buying and adding chemicals to maintain proper pH levels and prevent algae growth, having the pool vacuumed and cleaned regularly during swimming season, and purchasing accessories like telescoping poles and attachable brushes and leaf skimmers.

These ongoing costs have traditionally been one of the things that have dampened pools as a selling point. However, “homeowners can significantly lower their costs by doing some of the maintenance themselves instead of hiring a pool service,” suggests Casey.

Some recent tech innovations have helped, too. For example, “your costs can be lower if you invest in a saltwater pool rather than a chlorine pool,” Casey says.

Cost to insure a pool

Another cost to factor in is the price to insure your home — your homeowners insurance premiums will likely be higher when you have a pool.

(Video) How Much Does a Pool Add Value to My Home? - Is a Pool Worth it

Lev Barinskiy, CEO of SmartFinancial Insurance in Costa Mesa, Calif., says most policies usually cover up to 10 percent of the cost to replace external structures or fixtures like a pool, and also at least partially cover most swimming pool accidents.

“But even though the liability portion of your homeowners insurance covers pool accidents if a guest is injured or dies, you can still be legally held accountable if you were not providing a safe swimming environment when you allowed guests to use your pool,” Barinskiy says.

“If your insurer considers the pool an external structure, you need to list it as one on your policy,” adds Barinskiy, noting that most policies (and local laws) require that you have a fence installed around the pool and eliminate any diving board.

It may also be smart to pay for a personal umbrella policy that gives liability protection beyond the limits of your homeowners policy.

How to finance a pool

Eager to build a pool? Chances are you may need to borrow money for that purchase. You have several pool financing options:

(Video) Does a Swimming Pool Add Value to a Home?

  • Pursue a cash-out refinance, whereby you tap your home’s equity and take extra cash out at closing that you can devote to the pool.
  • Apply for a home equity loan, in which you pull equity from your home in the form of a fixed-rate second mortgage.
  • Consider a home equity line of credit (HELOC), which works as an adjustable-rate line of credit you can draw from when needed, up to a pre-approved limit.
  • Opt for a personal loan, which is an unsecured loan that doesn’t require collateral or tap into your home’s equity, but may come with a higher interest rate.
  • Choose a credit card, which can be a viable alternative if you don’t qualify for any of the above and you are approved for a zero- to low-rate card that you can pay off before the introductory rate expires and higher rates kick in.

Bottom line on pools and home value

Know what you’re getting into before committing to a swimming pool. Maintenance, repairs and insurance coverage can be costly. Of course, it can provide a lot of enjoyment, but as an investment, it’s an iffy proposition. There’s no guarantee that your home will sell for more down the road because of the pool or that it’ll even recoup the cost to install it.

You also should give thought to how you’ll need to prep and market your property and swimming pool when it’s time to sell.“The pool will need to be repaired and cleaned, and you’ll want to nicely stage your outdoor retreat,” recommends Casey. Also, “you need to cater to the right buyer and employ good marketing tactics. Higher-end house-hunters, as well as families with kids or teens, are the most likely buyer candidates, he notes.

Finally, if you got it, flaunt it. “If you’re in a colder climate, you should wait to sell when the weather is nice and your pool will be open,” Casey says.


How much value does a pool add to an appraisal? ›

Gelios adds that while a pool can be attractive, it doesn't increase the value by a huge amount—often "no more than 8% on the high end," he explains. However, if you live in an area where having a pool in the backyard is par for the course, it may be a major boost to your home's value when it does come time to sell.

Is a house worth more with or without a pool? ›

Real estate experts estimate that an average 14x28-foot inground concrete pool potentially adds 5 to 8 percent to the real estate value of your home. If your property is worth $400,000, you'll realize a boost to the value of your property of about $20,000 to $32,000.

Is adding a pool a good investment? ›

A pool can increase not only your social worth but also the value of your home. However, the increase is probably not as much as you think. According to HouseLogic, there's no real guarantee that you'll make your money back. In fact, adding a swimming pool may only increase your home's value by 7%.

Are houses with pools harder to sell? ›

Do above ground pools decrease home value? It won't be easy since a swimming pool can actually make your home harder to sell. Many buyers consider it a liability rather than a luxury. Under the right circumstances, however, a pool could boost your home's value by as much as 7%, Houselogic estimates.

Can you deduct a pool on your taxes? ›

Remember that swimming pools are only deductible if they're only used for medical purposes. If they're used at all recreationally, they aren't tax deductible. Is a pool considered a home improvement for taxes? Yes, a pool is considered a capital improvement because it adds value to your home.

What adds the most value to a home? ›

Projects That Boost Your Home's Value
  • Remodel the kitchen. Updates to the kitchen pay off. ...
  • Upgrade the appliances. ...
  • Boost the bathrooms. ...
  • Remodel the attic or basement. ...
  • Get decked out. ...
  • Boost curb appeal. ...
  • Improve energy efficiency.

What are the disadvantages of having a pool? ›

Here are seven reasons not to own a pool.
  • High installation costs. Building an in-ground concrete pool is expensive. ...
  • Time and money in maintenance. ...
  • Scary safety issues. ...
  • Higher insurance rates. ...
  • Repair Costs. ...
  • Animal attraction. ...
  • No help at resale.
May 24, 2021

What doesn't add value to a house? ›

Key Takeaways. Water features like hot tubs and pools don't add home value and can cause disinterest from potential buyers. Installing garage doors has a 94% return on investment. HELOCs and cash-out refinances are two options to help pay for home renovations.

What not to fix when selling a house? ›

Fixing cosmetic damage

Sure, peeling paint, a weathered back door and scuffed floors may make things look a little run-down, but if you are looking to save some cash on repairs and renovations, you'll rather want the money to be put to good use.

What I wish I knew before building a pool? ›

10 Factors to Consider Before Building a Pool
  • Know your zoning laws. ...
  • Decide on the type of pool you want. ...
  • Look toward longevity. ...
  • Seek out a quality circulation system. ...
  • Think about how much can you maintain. ...
  • Weigh water features and lighting. ...
  • Don't forget landscaping. ...
  • Determine your budget.
May 30, 2016

How much should I spend on a pool? ›

The cost to install an inground pool is $35,000 on average and can range from $28,000 to $55,000 and sometimes upwards of $65,000 for special customizations and extra features. An added hot tub, for example, will cost $6,000 to $15,000 and pool lighting will be another $700 to $1,800, according to HomeGuide.

How much more does a pool add to homeowners insurance? ›

According to Zacks Investment Research, insurance companies typically recommend increasing liability coverage from $100,000 to $500,000 when installing a swimming pool. In states where swimming pools aren't standard, Zacks says, such an increase might add $50 to $75 to a homeowner's insurance annual premium.

Do snakes like salt water pools? ›

In fact, some species of snakes are actually attracted to salt water and will actively seek it out. Second, even if you don't have a problem with snakes getting into your pool, there's always the possibility that one could end up in there accidentally.

What are the benefits of having a swimming pool? ›

10 Fantastic Benefits of Owning a Swimming Pool
  • 1 – Swimming is Great Exercise. ...
  • 2 – More Sun Means More Serotonin. ...
  • 3 – Treat & Prevent Injuries. ...
  • 4 – Stress Relief. ...
  • 5 – Save Money on Entertainment. ...
  • 6 – Host the Best Get Togethers. ...
  • 7 – Raise Strong Swimmers. ...
  • 8 – Sleep Better.
Aug 6, 2018

How many years do you finance a pool? ›

This will usually be between two and 10 years. The longer the loan, the lower each month's payment will be but the more interest you'll pay overall.

What time of year is best to install pool? ›

Fall and winter are undoubtedly the best times to install an inground pool as you can guarantee your pool will be ready for the next swim season. Another reason why booking in your pool build at this time is a great idea is because it can help you ensure your yard is in the right shape.

Is a pool a permanent improvement for taxes? ›

An inground pool is considered a home improvement for taxes. Above-ground pools are not considered home improvements for taxes because they are not treated as permanent additions.

What brings down the value of a house? ›

Changes in the real estate market can lower the value of your home. Natural disasters and climate change can lower your property value because the property is a greater risk to purchase. Foreclosures in your neighborhood can also drive down property value.

What property appreciates the most? ›

 Question: What type of property appreciates faster – condo, townhouse, or single-family? Answer: Since 2012, the data is clear – single-family homes appreciate the fastest, followed by townhouses/duplexes, and then condos. Since 2012, the average single-family home has appreciated 69% compared to 27% for condos.

How can I raise my home value by 100k? ›

The simple answer: bathrooms and bedrooms, as they generate the greatest return on investment. Bathroom additions offer the greatest returns, according to Remodeling magazine — an average of 86%. Attic bedrooms, specifically, return a hefty 84% according to US News & World Report.

Are pools a money pit? ›

Pools Can Be Big Money Pits

After all, it takes an awful lot of water to keep a pool filled up, and when combined with the heating, cleaning, and maintenance expenses, simply owning a pool can add thousands of dollars to your annual household budget.

Is owning a pool a lot of work? ›

The time commitment. Whether your pool is used for a few months or year-round, plan on spending some time each day caring for your pool. Simple tasks like skimming and emptying filters — as well as the more involved chores like testing your water's pH and opening or closing the pool — may seem like a drag.

Is it hard to maintain an inground pool? ›

So, how difficult is it to maintain a swimming pool properly? While it's definitely doable, and a lot of people even enjoy it, it can become a chore. You have to stay on top of things like water chemistry, filtration, cleaning, water circulation, and more. It can be a lot to handle if you're a busy person.

What decreases property value the most? ›

What hurts property value — 12 factors to consider
  1. Deferred or neglected maintenance. ...
  2. Home improvements done wrong or not built to code. ...
  3. Outdated kitchens and bathrooms. ...
  4. Shoddy workmanship. ...
  5. Bad or ugly landscaping. ...
  6. Frail or damaged roof. ...
  7. Noise pollution. ...
  8. Registered sex offenders in the area.
Feb 25, 2023

What makes a property high value? ›

1) Supply & Demand

Perhaps one of the biggest factors, the number of properties up for sale, and the number of buyers competing for them has a major effect on the value of a home. Generally, if there are more buyers than sellers, values will go up. If there are more sellers than buyers, the values will come down.

What are the worst renovations attempting to add value to homes? ›

10 Home Renovations That Will Hurt Your Home's Value
  • High-End Kitchens. Many homeowners dream of an elaborate kitchen remodel. ...
  • Luxury Bathrooms. ...
  • Swimming Pools or Hot Tubs. ...
  • Room Conversions or Expansions. ...
  • Built-In Electronics. ...
  • Lavish Light Fixtures. ...
  • Too Much Carpeting. ...
  • Over-the-Top Landscaping.

What makes a house unsellable? ›

Factors that make a home unsellable "are the ones that cannot be changed: location, low ceilings, difficult floor plan that cannot be easily modified, poor architecture," Robin Kencel of The Robin Kencel Group at Compass in Connecticut, who sells homes between $500,000 and $28 million, told Business Insider.

How to stage your home to sell for top dollar? ›

Staging Your Home to Sell for Top Dollar
  1. Clean & Declutter Your Home. Photo via @sharon_arny_interior_design. ...
  2. Remove Personal Items. ...
  3. Furnish Empty Spaces. ...
  4. Let in Natural Light. ...
  5. Hire a Professional Photographer. ...
  6. Choose the Right Paint Color for Your Walls. ...
  7. Spruce Up Your Curb Appeal. ...
  8. Upgrade Carpets & Floors.
Oct 28, 2022

What makes a house easier to sell? ›

One of the most effective ways to sell your home fast is to price it competitively. If you price it too high, you detract prospective buyers out price out potential bidders. In addition, it make take longer to settle the negotiation process if prospective buyers want your price to come down.

How often do you need to change your pool water? ›

Generally, pool water needs to be replaced once every five to seven years. This should be done during mild weather so that your pool surface is not at risk from strong sunlight and heat. Your pool maintenance company can recommend when it is time to drain your pool.

Where is the best place to put a pool? ›

The most ideal positioning for your pool is a spot that delivers privacy, catches the sun in autumn or spring, is sheltered from the wind and allows safe supervision of your children. There are also a few other factors you may consider priorities when you are deciding on your swimming pool placement.

What is a good size rectangular pool? ›

The most common pool size and shape is a 16 by 32-foot rectangle. That's the minimum size you need for an 8-foot deep end. That gives you 8 feet of the shallow end. Bump up to a 16 by 40-foot pool, and you double your shallow end to 16 feet.

Is a salt water pool better than chlorine? ›

Because they have lower chlorine levels, saltwater pools are gentler on the eyes and skin. Research indicates that saltwater systems may be safer than chlorine pools, which require pool owners to store and handle harsh chemicals. Saltwater pools produce softer-feeling water, which many find desirable.

How much does a pool add to your monthly expenses? ›

On average, pool maintenance costs $180 per month during the season when the pool is in use. The simplest, most inexpensive pool maintenance tasks include skimming the water and adding chemicals. On the other end of the spectrum, it will cost more to replace broken parts or prepare the pool to open for the year.

How much do pool chemicals cost per month? ›

Time, tools, chemical balancing treatments, and chlorine and other materials all add up the more frequently you need to clean and maintain your pool. The average monthly cost of pool maintenance is about $120, with the typical range sitting between $90 and $150.

Do I need a fence around my pool if my yard is fenced in? ›

If my entire property is fenced, does the pool need a separate fence? Swimming pools do not necessarily need a barrier close to the water. If your pool is located in a fenced backyard, or other large fenced area, and that fence meets the legal requirements, you might not need an additional barrier closer to the pool.

Is insurance a pool of risk? ›

The insurance Industry basically runs on the concept of risk pooling. The earliest references to insurance policies and risk pooling can be found some 5000 years back. Traders and merchants pooled their resources and shared the common risk of damage or loss of goods.

Is a fence required around a pool in Florida? ›

Every swimming pool in Florida is required to have a barrier surrounding it that is at least 48 inches high. This barrier can't have any openings or gaps through which a child could climb or crawl, and must completely enclose the entire pool.

Will snakes get in a chlorinated pool? ›

Snakes do not want to go into a chlorinated pool; the chlorine is poisonous to them. They end up in a pool, most times when they chase a mouse or other food and fall into the pool by accident.

How did a snake get in my pool? ›

Snakes usually enter pools when they are in search of water or to find food. They also soak in pools to soften their skin when it's time to molt. However, the majority of snakes found in pools end up there by mistake and simply can't find their way back out.

What can I put around my pool to keep snakes away? ›

Using natural repellents like ammonia and white vinegar is a great way to drive away snakes. They will not be able to slither over these solutions as the snake's skin can both lose and absorb liquids. You can sprinkle these solutions around your swimming pool and your backyard to avoid the slithering animals.

Is a pool worth the hassle? ›

Resale Value

A pool can increase not only your social worth but also the value of your home. However, the increase is probably not as much as you think. According to HouseLogic, there's no real guarantee that you'll make your money back. In fact, adding a swimming pool may only increase your home's value by 7%.

What are the pros and cons of owning a pool? ›

Considering a pool in the backyard? Here are the pros and cons
  • Pro: Everyone loves the pool. ...
  • Con: Installation is expensive. ...
  • Pro: Pools offer physical and mental health benefits. ...
  • Con: You may need more insurance. ...
  • Pro: Your pool can increase curb appeal. ...
  • Con: Maintenance never ends. ...
  • Diving In.
Mar 28, 2022

What are the cons of owning a pool? ›

Here are seven reasons not to own a pool.
  • High installation costs. Building an in-ground concrete pool is expensive. ...
  • Time and money in maintenance. ...
  • Scary safety issues. ...
  • Higher insurance rates. ...
  • Repair Costs. ...
  • Animal attraction. ...
  • No help at resale.
May 24, 2021

Is it OK to swim in a pool everyday? ›

Can You Swim Every Day? Absolutely! You can swim seven days a week, 365 days a year – many people do this! The key is moderating your intensity and duration so your body is fresh for each workout.

Is it good to swim in the pool everyday? ›

As a primarily aerobic activity, swimming engages and strengthens the cardiovascular system. What separates swimming from running and other types of land-based cardio is that you can swim for longer periods of time — and even every day — since the water is very low impact.

How do I calculate the value of my pool? ›

Length x width x average depth x 7.5 = volume (in gallons)

Multiplying that by the average depth gives the volume in cubic feet. Since there are 7.5 gallons in each cubic foot, multiply the cubic feet of the pool by 7.5 to arrive at the volume of the pool (expressed in gallons).

What do appraisers look for to add value? ›

Appraisers review the workmanship, condition, and finishes of home improvements. Updates to the kitchen and bathrooms can have a significant impact on your home's value. On the other hand, damages, defects, and wear and tear can negatively impact your appraisal estimate.

Does landscaping add value to appraisal? ›

Landscaping not only increases curb appeal, but can give real estate properties a 15 percent increase in value, says a Virginia Tech study. The study discovered that the perceived value of a home is affected by plant size, type, and design in landscaping.

What decreases home appraisal? ›

What negatively affects a home appraisal? One of the big things that can have a negative affect is the age and condition of the home's systems (HVAC, plumbing) and appliances. If the local market is declining, that'll also hurt your home's appraised value.

What do appraisers look for in a home? ›

The appraiser will consider all factors that could affect the property's value. These factors include the condition of the property, any upgrades or additions made to the property, the size of the lot and “comps” or recently sold properties of comparable size and condition in the same market.

What needs to be fixed before an appraisal? ›

Common appraisal-required repairs
  • Lead-based paint and asbestos. The appraisal report for homes built prior to 1978 contains both a lead-based paint and an asbestos statement. ...
  • Condition of the stairs. ...
  • Age and condition of roof. ...
  • Foundation. ...
  • Mechanical systems. ...
  • Electrical, exposed wiring and fuse boxes. ...
  • Additional issues.
Jul 31, 2022

How much should I save for a pool? ›

The cost to install an inground pool is $35,000 on average and can range from $28,000 to $55,000 and sometimes upwards of $65,000 for special customizations and extra features. An added hot tub, for example, will cost $6,000 to $15,000 and pool lighting will be another $700 to $1,800, according to HomeGuide.

How long does it take to fill a pool? ›

The average pool can take 12-24 hours to fill and that is only if you have a few hoses chugging away. When your family is chomping at the bit to dive in, that may as well be an eternity.

Do pools depreciate in value? ›

Although a pool is generally considered a luxury, it can also boost your home value. In fact, in some housing markets, it's actually seen as a deficit if you're the only house without that refreshing retreat in your backyard.

What not to say to an appraiser? ›

Just keep your communication to the appraiser about the facts of the home and neighborhood, how you priced the house, and any other relevant information you think the appraiser should know. And remember, don't discuss value. Don't pressure the appraiser to 'hit the value' and you'll be fine.

Do appraisers look at Zestimate? ›

“Come take a look at this incredible value, under-priced a hundred thousand below assessed value.” The assumption the agent would have you believe is that the assessed value is the market value. Sorry, guys, it isn't! House appraisers also do not look at the Zillow value of your home either!

Does cleanliness affect a home appraisal? ›

The short answer is “no, a messy home should not affect the outcome of an appraisal.” However, it's good to be aware that there are circumstances in which the state of your home can negatively affect its value. Let's go over what appraisals entail and what factors can influence them.

What makes property value increase? ›

The basic law of supply and demand have a major effect on the housing market. Simply put, as the housing supply decreases or as demand rises, creating an inventory shortage, home values go up.

Do retaining walls increase home value? ›

Adds value to the property

Adding a retaining wall is a simple and inexpensive approach to raise the value of your house. If you're adding a wall made out of natural materials, you'll find it simple to alter or replace it as needed. They also increase the adaptability of the space surrounding it.

How much should you spend on backyard? ›

“Backyard costs range significantly based on the scope of work,” he says. “But we also have clients who spend $10,000 and are able to completely change the look and feel of their space with new plants, refreshed hardscaping, and styling. Usually, though, we recommend that most homeowners budget $20,000 or more.”


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