How Long Does It Take to Build a Swimming Pool and 7 Other Factors to Consider Before Purchasing Your Pool

When I was in the third grade, my family decided to install an in-ground swimming pool in our backyard. We lived in Las Vegas, so it was an extremely welcomed addition. I can still remember the builders working long hours, the gaping hole of dirt in our backyard, and my constant yearning for the pool to be finished. “How long does it take to build a swimming pool?” I would ask myself.

Eventually, it was completed and it got so much use and gave us so much joy, that I knew the wait had definitely been worth it. But how long did it take to build that pool? My memory as a child tells me it took years. But, of course, that’s not true.

How long does it take to build a pool, how much will it cost, and what are some other key factors to consider?

How long does it take to build a swimming pool?

The short answer is 14 to 30 days but it varies by swimming pool type.

There are three basic types of in-ground pools: Vinyl liner, fiberglass, and gunite, which is a mixture of cement, sand, and water. All three vary in construction, according to Seasonal World, a pool-building company located in New Jersey, which has been in operation for over 30 years.

In the pool-building industry, construction refers to everything from excavation, pool installation, and installation of decking, to the pool being turned over to the users with all inspections passed. Let’s take a look at each type of in-ground pool and what you might expect time-wise depending on the type of pool you decide to build.

Vinyl liner

There are three types of vinyl liner you can select from: steel wall, cement wall, or polymer wall vinyl liner. Seasonal Pools’ site says construction times are similar, regardless of the type of vinyl liner pool, and will usually take between 25 to 45 days.

Time will vary depending on the complexity of the project and the number of inspections required by your township.

Fiberglass

Fiberglass pools are sometimes referred to as “pool in a day,” or “drop-in pools.” While most of the time — from a construction standpoint — a fiberglass pool is in the ground and filled with water in one day, the total completion process can take anywhere from 14 to 30 days, according to Seasonal Pools.

Once again, the time will depend on the complexity of the project, the intricacy of the finishing work, and how many inspections the municipality requires.

Concrete (Gunite)

As you might expect, gunite, or concrete, pools take the longest to build. On average, they will take from 45 to 75 days to be constructed according to Seasonal Pools. The primary reason gunite pools take substantially longer than other types of construction is that they need between 28 and 30 days to cure, or set.

There is also more labor and finishing work involved in building a gunite pool. Seasonal conditions, including the time of the year and temperature, may also affect these types of pools and how long they take to cure.

And, just like the other types of construction, the time will vary depending on several factors such as the project’s complexity and the number of inspections required.

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7 other factors to consider when installing a pool

Once you’ve selected the type of pool you desire, you need to determine the cost, how you will finance the pool, and how having a pool may affect your insurance premiums.

1) Cost

The price of a pool can vary greatly depending on where you live and how many special features you want to have in your pool, such as expensive tiles, a hot tub, slide, or diving board. According to Fixr.com, the average in-ground 32-by-16-foot pool will run you approximately $22,000.

Marketing research and consulting firm P.K. Data breaks the numbers down further. According to P.K. Data, vinyl pools are the least expensive, with a standard cost of $25,700. Fiberglass pools run closer to $31,400 on average.

Gunite pools can range between $29,600 to $50,000 to install. Most in-ground pools will also require a surrounding patio installation as well as a need for fencing (the law requires this in many areas of the country).

Click here to get the latest estimates on the cost of swimming pools with our SuperMoney Guide for Swimming Pool Costs.

2) Financing your pool

There are a few options you can consider to finance your swimming pool. The three best methods to consider are: a personal loan, a home equity loan, or a loan through your pool installer.

Get started by getting pre-qualified for a loan using SuperMoney’s personal loan tool. You’ll receive a list of personalized offers from top lenders without any harm to your credit score.

Then, head over to our personal loans reviews page to compare all the lenders.

3) Insurance concerns

After you build a pool, be ready for your insurance premiums to go up, says Allstate agency owner Mark Jameson of Burleson, Texas.

He says, “Like other exterior structures (fences, decks, and gazebos, for example) pools tend to increase the amount of insurance required for a home, as they would need to be appropriately insured in the event of a loss.”

He adds, “They can also add liability risks to your property, so any addition should be discussed with your local agent to ensure you have adequate coverage.”

4) Get a gate

Gates are often required by law if you build a swimming pool. Jameson says, “[Gates] are often required to insure a home with a pool.” He recommends gates that are self-closing and self-latching with a childproof latch.

5) Review your limits

Another thing to consider after building a pool is how high your limits are set on your property insurance.

Jameson says, “If, for example, a tree falls on your pool, your coverage may help pay to remove the tree and cover repairs to your pool, but only up to the limits you have in your policy. Again, talking with your local agent is a critical step to make sure you have enough coverage based on the value of your pool and any accessories like a deck or a water slide.”

6) Don’t let it freeze!

Jameson says to keep in mind that most homeowners’ policies exclude coverage for damages caused if water freezes in your pool. So, be sure you drain it at the end of each season if you live in a cold climate or one that gets cold enough to freeze water during the winter.

7) Liability

Another thing to talk to your agent about is the liability coverage in your policy. “This will help protect you in case someone gets hurt using your pool,” says Jameson.

Are you ready to get started with your pool installation?

As you can see, there is a lot to consider before building a pool. Many people who have done it will tell you it was one of the best decisions they’ve made.

However, it can easily become one of the worst decisions if you don’t have the right financing in place.

Get started with SuperMoney’s loan offer engine to receive personalized offers from a number of leading lenders. You can then compare each lender, plus many others, to ensure you make the best decision.

You’ll then be one step closer to finally having the pool you’ve always dreamed of.

Featured lenders for personal loans

Lending PartnerMinimum FICO scoreEstimated APR 
60015.49% – 34.99%*Apply
6802.19% – 17.49% (with AutoPay)*Apply
650Fixed:
5.49% – 14.24% APR (with AutoPay)*
Variable:
4.99% – 11.14% APR (with AutoPay)*
Apply
6605.99% – 35.89%*Apply
6204.93% – 29.99%*Apply
5809.95% – 35.99%*Apply
7005.25% – 12%*Apply