How Much Does a Pool Cost in Florida?

The cost of buying a pool in Florida largely depends on the pool material. The cost of an inground concrete or fiberglass pool in the Sunshine State typically ranges from $50,000 to $200,000, while vinyl liner pools cost $30,000 to $120,000. Overall, the average cost of a pool in Florida is around $35,380 to $65,389.

Key Points:

• Florida has a higher ratio of pools to homes than any other state, with concrete inground pools dominating the market.
• The typical cost range for a basic concrete pool is $35,000 to $60,000, but it can go much higher for more elaborate designs.
• The total cost of installing a pool in Florida will depend on the pool size, shape, and material of your choice.
• To help you cover the costs, several pool financing options are available, including personal loans for pools, home equity loans, and lines of credit.

Inground Pool Cost in Florida

Overall, pool installation costs in warm states tend to be 15% to 25% lower as compared to northern states. As a result, the typical cost of building an inground pool in Florida ranges from $35,380 to $65,389, with a median pool installation cost of $49,639. The final cost of a swimming pool in Florida will be determined by its size and shape, as well as the type of materials used. 

Florida Inground Pool Cost by Material

Most inground pools in Florida are made with either concrete, fiberglass, or vinyl liner. 

Concrete pools are by far the most popular option in the state. In Florida, the walls of concrete pools don’t need to be as thick as they do elsewhere, and there is an abundance of pool contractors specializing in this type of swimming pool. As a result, concrete pools cost similar to or even less than the cost of fiberglass pools in Florida.

• Concrete: $50,000 to $200,000. With concrete, you have virtually endless customization options and can design a pool of any shape. Concrete can crack in cold weather, but it is not a concern in Florida.
• Vinyl liner: $30,000 to $120,000. This type of pool requires the smallest upfront investment but is not as durable. The vinyl liner will need to be replaced at least every 10 years, which can significantly add to your pool maintenance budget over time.
• Fiberglass: $50,000 to $200,000. Pre-engineered fiberglass pools become increasingly popular in Florida, but there are still fewer builders working with this material.

Florida Inground Pool Costs by Size

The size of your pool is another important factor that will affect how much does a pool cost in Florida. In this state, an inground pool costs around $50 to $125 per square foot, depending on the material of your choice. Because smaller pools require fewer materials and less labor time, they tend to cost less than larger pools of the same type.

• 12’ x 24’ pool: $14,400 to $36,000
• 16’ x 32’ pool: $25,600 to $64,000
• 20’ x 40’ pool: $40,000 to $100,000
• 24’ x 44’ pool:  $52,800 to $132,000
• 28’ x 52’ pool: $72,800 to $182,000

Florida Inground Pool Costs by Shape

In addition to pool material and its size, the shape of your choice will determine the final pool installation cost. In general, standard-shaped pools with curved edges like circular, oval, and kidney-shaped pools are the most cost-efficient. This is because the curved edges mean that you can receive the highest swimming area possible with a given perimeter footage.

Rectangular pools are quite standard as well but are slightly more expensive. Any custom or unusual shape will cost you considerably more, with freeform and geometric pools being often priced at $70,000 and up.

Inground Pool Installation Costs in Florida

While the typical price range for an inground pool in Florida is $35,380 to $65,389, the price can run quite a bit lower or much higher, depending on the following factors:

• Excavation: $1,770 to $13,830. Be prepared to spend $1,770 to $13,830 in excavation costs. If your backyard is sloped, has large rocks, or requires the removal of trees, you would need to spend up to another $20,000 in site preparation.
• Labor: $8,000 to $30,000. The lower end of this cost estimate covers only pool installation labor, with another $1,000 required for excavation labor costs. On the other hand, the higher end of the range covers all-inclusive labor, including plumbing and electrical work.
• Pool permit: $500 to $1,500. Obtaining a pool permit from local authorities is slightly more expensive in Florida as compared to the national average, ranging from $500 to $1,500.
• Filtration system: $200 to $1,500. Depending on the model and type of water filtration system you opt for, expect to spend between $200 and $1,500.
• Pool equipment: $2,000 to $3,000. Other pool equipment like a pump, a chemical feeder, and a cleaner will set you back by another $2,000 to $3,000.
• Water delivery: $225 to $750. Getting water delivered to fill up your new inground pool will cost you between $225 and $750.

Florida Inground Pools Accessories and Add-Ons Costs

Due to the risks associated with having a pool on your property, your homeowner insurance payments will likely increase by $25 to $75 per month. Furthermore, you may be faced with other additional costs:

• Pool heater: $550 to $10,000. While Florida has high temperatures all year round, most homeowners find their pool water to be too cold to swim during cooler winter months. Installing a pool heater will cost $550 to $10,000, but it will help to maintain the right water temperature throughout the year.
• Fencing: $15 to $20/ft. According to local regulations in Florida, every residential pool must be fenced in. The cost of a fence averages $15 to $20 per linear foot in the state.
• Lighting: up to $3,500. The cost of pool lighting can vary significantly, but it generally falls below $3,500.
• Landscaping: $3,000 to $5,000. Typical pool landscaping will cost you between $3,000 and $5,000. However, the price can jump much higher if you choose to install custom shrubbery, masonry paths, and water fountains around your pool.
• Add-ons (steps, covers, waterfalls, etc.): $500 to $10,000+. Additional features like steps, pool cover, waterfalls, fountains, diving boards, and more can cost you anywhere from $500 to $10,000 and beyond.

Inground Pool Taxes and Maintenance Costs in Florida

Once the pool installation is complete, you will be faced with regular expenses necessary to keep the pool up and running. The average pool maintenance costs in Florida can range from $375 to $3,000 per year, depending on the size and material of your pool.

Some costs to keep in mind include:

• Maintenance and cleaning: $125/month. Many companies offer pool maintenance packages, with an average monthly cost of $125. 
• Pool opening and closing: $375/year. In addition, you would have to pay around $375 each year to have your pool prepared for opening and closing at the end of the season.
• Repairs: $10 to $20,000. You will likely be faced with pool repairs sooner or later. The cost of repairs can vary drastically, depending on the problem at hand.
• Water: $4 to $20/month. A standard-sized pool evaporates around 2’’ of water per week. To replenish the water, you will need to spend $4 to $20 per month, depending on your local utility costs.
• Electricity: $780 to $1,200/year. Keeping the pool filter and pump running will increase your yearly electricity bill by $780 to $1,200.
• Taxes: cost varies. Certain types of pools can increase the value of your home, thus leading to an increase in your property taxes.

Above-Ground Pool Costs in Florida

An average above-ground pool in Florida can be installed for as little as $500 or as much as $5,000, depending on the pool material, size, and other features. The average cost of an above-ground pool sits at $2,800, but you might end up paying more if your backyard needs to be leveled.

Florida Above-Gound Pool Costs by Shape and Size

Most above-ground pools are either round or oval in shape, even though some homeowners choose rectangular above-ground pools to more closely mimic the appearance of an inground pool. As with any other type of pool, a larger above-ground pool comes with a higher price tag. 

• Round pools. Common round above-ground pools measure 12’, 15’, 18’ or 24’ in diameter. A larger 24’ pool with a good quality liner and a decent filter and pump will cost you between $2,000 and $4,000.
• Oval pools. Popular sizes for oval above-ground pools include 12’ by 18’, 15’ by 24’, and 18’ by 33’. Oval pools have more parts to them and, therefore, cost $1,000 to $2,000 more than similarly-sized round pools.
• Rectangular pools. Common rectangular above-ground pools measure 12’ by 24’, 15’ by 30’, or 18’ by 36’. They are typically much more expensive than round or oval pools because they require more structural support.

Florida Above-Ground Pool Costs by Material

Aside from cheap inflatable pools, typical material options for above-ground pools in Florida include a combination of vinyl liner and an aluminum, resin, or steel frame. 

Steel frames are generally the most affordable, with pool installation costs starting at $500. Aluminum is the most expensive material option, with the cost of an above-ground pool reaching $5,000. Resin above-ground pools cost somewhere in between.

Above-Ground Pool Installation Costs in Florida

According to local regulations, above-ground pools still require a permit in Florida, which means that you can spend $500 to $1,500 on permit fees. You would also need to invest in the following aspects:

• Pool package: $2,000 to $4,000. An above-ground pool package contains the pool frame, lining, and all the necessary parts to put the pool together. A good-quality pool package for an average-sized above-ground pool will cost you between $2,000 and $4,000.
• Labor: $800 to $1,200. The cost of getting your pool package installed can range from $800 to $1,200. Many homeowners choose to install above-ground pools themselves to cut labor costs.
• Electrical and plumbing: $500 to $1,000. Running electrical and plumbing from your house to the pool will cost you between $500 and $1,000.

Above-Ground Pool Liner Cost in Florida

Vinyl pool liners typically cost between $100 to $600 for an average above-ground pool, depending on the type of liner used. Overlap liners are typically the least expensive option, as they are the easiest to install. However, overlap liners rarely last as long as other liner options like unibead and beaded liners.

A thicker liner of the same type can cost $300 to $400 more, but it will last much longer than a thinner option. While it might cost more upfront, a thicker liner will prove to be more affordable in the long run.

Above-Ground Pool Add-On Costs

Above-ground pool kits usually contain all the necessary pool equipment, including a water pump and filter. However, you might still encounter some additional costs:

• Pool deck: $4,000 to $6,000. To give the above-ground pool a more custom look, many homeowners choose to install an elevated deck around the pool. This can cost you between $4,000 and $6,000.
• Landscaping and lighting: $500. Above-ground pools do not require much landscaping, and many homeowners stick with only minimal lighting, with a total cost of $500 for both.
• Fencing: $15 to $20/ft. Safety regulations in Florida require every residential pool to be protected by a fence. This can cost you between $15 to $20 per linear foot.
• Pool heater: $1,600 to $3,800. Similarly to an inground pool, an above-ground pool can be kept warm year-round with the help of a pool heater.

An above-ground pool will also increase your home insurance premium by $25 to $75 just like an inground pool would.

Above-Ground Pool Taxes and Maintenance Costs in Florida

Similarly to an inground pool, your above-ground pool will need basic care and maintenance.

• Basic maintenance. If you decide to take care of the pool yourself, the full maintenance will cost you $5 to $15 per month, plus the costs of necessary repairs. Outsourcing maintenance and cleaning will cost $125 on average, similar to an inground pool.
• Water and electricity bills. Other monthly costs like water and electricity will be similar to the costs associated with an inground pool of the same size.
• Property taxes. One area where an above-ground pool wins is taxes. Above-ground pools don’t increase property value as much as inground pools do, meaning that your property taxes will stay the same.

Plunge Pool Costs in Florida

A plunge or cocktail pool in Florida can cost between $14,500 and $25,000. These pools are used mostly for entertainment or health benefits rather than serious swimming.

Florida Plunge Pool Costs by Shape and Size

Plunge pools are typically small, and are no more than 7’ deep. With the common sizes of  8’ by 4’, 9’ by 9’, and 10’ by 6’, cocktail pools are significantly smaller than standard pools. However, they are not that much cheaper. 

For comparison, a 12’ by 24’ traditional pool will cost you between $14,400 and $36,000, which is quite similar to the typical cost of a small plunge pool.

In terms of shape, most plunge pools are either square or rectangular. Round or kidney-shaped plunge pools tend to cost more, with free-form pools being the most expensive option. 

Florida Plunge Pool Costs by Material

Most plunge pools are built in-ground, which means that the material options include vinyl liner, fiberglass, and concrete. 

In Florida, concrete and fiberglass plunge pools are similar in price due to the abundance of contractors specializing in concrete pools, as well as the fact that concrete pool walls can be thinner than usual. 

This leaves vinyl plunge pools as the most affordable option of all.

Plunge Pool Installation Costs in Florida

In a nutshell, most plunge pools are smaller inground pools, which means that they will share the same installation costs like labor, pool equipment, and permit fees.

• Labor: $8,000 to $30,000
• Pool permit: $500 to $1,500
• Filtration system: $200 to $1,500
• Pool equipment: $2,000 to $3,000

However, due to the smaller size of the pool, you can expect to spend less on terrain excavation and water delivery. The total average cost of installing a plunge pool sits at around $20,000.

Inground vs. Above-Ground Plunge Pool Cost

While most plunge pools in Florida are built in-ground, you do have the option to save a few thousand dollars by installing an above-ground plunge pool instead.

Above-ground plunge pools can cost as little as $3,000, while inground plunge pools are more expensive, ranging from $10,000 to $35,000. Inground plunge pools require additional excavation and a higher level of skill to install, which leads to not only higher costs but considerably longer project timelines. 

In contrast, an above-ground pool can be installed in as little as three days. On top of that, you could save on labor costs by installing your new above-ground plunge pool yourself.

Plunge Pool Add-On Costs

Just like with any other type of residential pool, installing a plunge pool in your yard will automatically raise your home insurance premium by at least $25 per month.

The cost of plunge pool accessories and add-ons will also be similar to any other type of inground or above-ground pool. If you opt for an above-ground plunge pool, you will spend only around $500 on landscaping and lighting, as compared to $3,000 to $8,500 for an inground plunge pool. However, most homeowners choose to surround above-ground pools with an elevated deck, which will set you back an additional $4,000 to $6,000.

• Home insurance: extra $25 to $75/month
• Landscaping and lighting: $500+
• Decking: $4,000 to $6,000
• Pool heater: $550 to $10,000
• Fencing: $15 to $20/ft

Plunge Pool Maintenance Costs in Florida

All types of pools require the same basic maintenance, which includes skimming, testing water, and adding chemicals. Hiring someone to take care of your plunge pool will cost you around $125 per month, while completing the task yourself will set you back only $5 to $15.

Because plunge pools are smaller than traditional pools, your monthly utility costs for water and electricity will also be smaller. However, should a problem arise, you can expect to spend the same $10 to $20,000 on repairs.

Infinity Pool Costs in Florida

Infinity pools, also known as “disappearing” or “vanishing” edge pools are constructed to create an illusion that one edge of the pool drops off into a waterfall. While a basic inground pool can have a vanishing edge, most infinity pools come with custom lighting, water fountains, sitting ledges, and other advanced features.

Most homeowners spend between $57,500 and $130,000 on an infinity pool, with an average cost of $80,000.

Florida Infinity Pool Costs by Size

A typical infinity pool costs around $80 per square foot, even though you may pay over $130 per square foot for a pool with custom installations and add-ons. In fact, a large pool enclosure and a mosaic tile pool finish can raise the total project cost to as much as $300 per square foot.

The typical infinity pool sizes are:

• 12’ x 24’ pool: $18,700 to $46,800
• 16’ x 32’ pool: $33,300 to $83,200
• 20’ x 40’ pool: $52,000 to $130,000
• 24’ x 44’ pool:  $68,600 to $171,600
• 28’ x 52’ pool: $94,600 to $236,600

Florida Infinity Pool Costs by Material

Just like standard inground pools, infinity pools can be built with either concrete, vinyl liner, or fiberglass. Tile finishing is another popular choice for infinity pools. While it is on the expensive side, it is very durable and offers great customization options.

The typical cost of infinity pool installation is as follows:

• Concrete: $65,000 to $260,000
• Vinyl liner: $39,000 to $156,000
• Fiberglass: $65,000 to $260,000
• Tile: $75,000 to $150,000

Infinity Pool Installation Costs in Florida

Because infinity pools are built in-ground, they will share much of the same installation costs as standard inground pools. Permit fees, excavation, labor, pool filtration system and other equipment, as well as water delivery, will cost you just like with any other pool.

However, adding a vanishing edge will automatically add 20% to 50% on top of total installation costs.

• Excavation: $1,770 to $13,830
• Labor: $8,000 to $30,000
• Pool permit: $500 to $1,500
• Filtration system: $200 to $1,500
• Pool equipment: $2,000 to $3,000
• Water delivery: $225 to $750
• Vanishing edge: 20% to 50% on top of total project costs 

Infinity Pool Landscaping Costs in Florida

Once your infinity pool is installed, landscaping costs can range between $1,500 and $5,200. However, costs for more complex landscaping designs like custom shrubbery, masonry paths, and water fountains can easily reach $20,000 or more. Installing a retaining wall will cost you between $1,200 to $13,000, while landscaping rocks will set you back $460 to $1,000 depending on the type and amount required.

Infinity Pool Add-On Costs

Most infinity pools come with elaborate fountains or waterfalls, custom lighting, and other expensive accessories. One feature popular for infinity pools is a glass viewing wall. A small viewing window of about 15 square feet will cost you around $16,500, with prices being much higher for a complete wall.

• Pool heater: $550 to $10,000
• Fencing: $15 to $20 / ft
• Pool cover: $800 to $12,500
• Decking: $3,000 to $12,000
• Lighting: $150 to $1,000 per light
• Diving board: $300 to $5,000
• Water slide: $1,500 to $20,000
• Waterfall: $1,500 to $5,000
• Fountain: $600 to $20,000
• Glass wall or window: $16,500+

Infinity Pool Taxes and Maintenance Costs in Florida

Infinity pools are maintained similarly to regular pools. However, they do have a higher evaporation rate and may require more regular water checks. The pool’s lower catch basin also requires a little extra care and regular cleaning.

In general, expect to pay a standard price of around $125 per month to have your infinity pool maintained. Electricity bills, pool repair expenses, and water costs will be slightly higher than with a standard pool. An infinity pool will also likely raise your home’s value, which can mean higher property taxes for you.

Other Types of Pool Costs in Florida

Another popular type of pool in Florida is a saltwater pool. This type of pool will cost you around $29,000 to $57,000 for a brand-new pool installation and $600 to $2,200 to add a salt-chlorine generator to your existing pool.

Long and narrow lap pools are common as well, with a price tag between $20,000 and $70,000. Alternatively, you could install an endless pool - a smaller pool with a current to keep you in place as you swim. An endless pool will set you back $24,000 or more. Finally, an indoor pool in Florida will cost you up to $220,000 to install.

Pool Financing Options in Florida

Once you understand how much does a pool cost in Florida, you might want to start researching some of the financing options available. Make sure to carefully consider each loan’s interest rates, terms, and repayment conditions.

• Personal loan. Unsecured personal loans or “pool loans” can help you offset the costs of installing a pool. Good lenders to consider include Discover, Upgrade, and Best Egg.
• Credit card or line of credit. If your credit limit allows, you could use your regular line of credit or credit card to pay for the pool installation.
• Home equity loan or line of credit. If you have enough equity in your home, you could also use these funds to finance your pool purchase. 
• Retail financing. Talk to your pool company about retail financing. Many companies will allow you to pay for the pool in regular installments rather than paying the full sum upfront.

Final Word

So how much does a pool cost in Florida? You can expect to pay around $35,380 to $65,000 to install a standard-sized inground pool in the Sunshine State. Of course, this is just a rough estimate, which can vary significantly depending on the pool type, material, and possible add-ons. Whatever your final design, there are multiple financing options worth exploring to help you offset the costs. Best of luck!