How much does it cost to install an in-ground pool?

An in-ground pool costs $42,000–$95,000 installed in 2026 for a basic gunite/concrete or fiberglass pool. Vinyl-liner is cheapest at $35,000–$65,000; fiberglass mid-tier $45,000–$80,000; gunite/concrete highest at $55,000–$120,000+. Decking, fencing (legally required), heating, and saltwater systems add $15,000–$40,000+. Annual operating cost runs $1,500–$3,500. Resale ROI is 40–55% nationally — pools are a lifestyle purchase, not an investment.