How to Build a Swimming Pool on a Limited Budget

Dreaming of a backyard pool but worried about the cost? Building a pool on a limited budget is entirely possible with smart planning, economical materials, and strategic decisions. In 2025, homeowners across the United States are finding ways to create affordable and functional pools without breaking the bank. By using materials such as Insulated Concrete Form (ICF) blocks for the pool shell and thick reinforced PVC membranes for the lining, you can create a durable and attractive pool for relatively little money.

The basis of an affordable pool is a clear plan and a realistic budget. Setting priorities in advance allows you to control expenses.

• Set a budget: The cost of pools varies widely, primarily depending on the size of the pool. You also need to include in your budget the cost of obtaining permits from local authorities, equipment, and landscaping. It is also advisable to add a 10% reserve for unforeseen expenses
• Determine the purpose of the pool: It can be a small pool for children, a large swimming pool, or a compact pool for relaxation
• Follow local regulations: In some regions, you must comply with zoning laws and install fences around pools. This affects the cost

Choosing modern, effective, and affordable construction methods is key to staying within budget. Using ICF blocks is a smart and budget-friendly option.

• Use ICF blocks for your pool: ICF (Insulated Concrete Form) blocks are lightweight, interlocking foam forms filled with concrete. They provide strength and good thermal insulation at a lower cost than traditional concrete or steel walls. They reduce labor costs by simplifying construction and increase energy efficiency, which reduces heating costs

• Choose a smaller area: Compact designs, such as plunge pools and relaxation pools, require fewer materials and less excavation, saving thousands of dollars compared to larger pools
• Consider above-ground pools: Above-ground pools are significantly less expensive and can be equipped with decking to mimic the aesthetics of built-in pools

Choosing cost-effective materials without compromising on quality is crucial for a budget pool. Lining is an important component.

• Use thick reinforced PVC membrane for lining: This durable and versatile material is a high-quality alternative to more expensive options such as tile or fiberglass. Thick reinforced PVC membranes, such as Cefil 60 mil pool liner, are resistant to UV rays, chemicals, and tears, with a lifespan of 20+ years. They are easy to install, which reduces labor costs, and a wide selection of different colors and patterns allows you to get exactly what you want. This membrane closely mimics high-quality finishes, making it an ideal choice for budget-conscious homeowners. Its smooth surface also reduces cleaning and chemical costs thanks to its resistance to algae growth and staining

• Choose basic finishes: Opt for affordable alternatives to expensive stone or tile flooring, such as stamped concrete, which looks stylish and costs less
• Repurpose materials: Use reclaimed wood or local stone for flooring or landscaping to reduce costs without compromising on appearance

Choosing energy-efficient equipment and a minimal feature set can reduce initial and ongoing costs.

• Invest in a variable speed pump: These pumps operate on demand, consuming up to 70% less energy than single-speed models. This can save hundreds of dollars per year on electricity bills
• Skip the fancy extras: Avoid costly features such as waterfalls or infinity edges. Instead, add simple LED lights to create ambiance at a low cost
• Use a manual pool cover: A basic cover reduces water evaporation and debris. This saves water and lowers maintenance costs compared to more expensive automatic covers

Performing some tasks yourself can significantly reduce labor costs, which often account for 30–50% of the cost of a pool.

• Do your own landscaping: Plant shrubs or lay gravel yourself to create an attractive area around the pool without hiring a landscape designer
• Perform basic maintenance: Learn how to clean filters and balance chemicals to avoid maintenance fees. Thick reinforced PVC membranes simplify maintenance by preventing algae buildup and staining
• Help with prep work: Clear the site or help with small tasks like painting the deck to cut down on contractor time, but leave structural work to the pros

Hiring the right contractor guarantees quality without unnecessary costs. Making a smart choice will allow you to stay within your project budget.

• Get several quotes: Compare at least three contractors by checking their reviews and portfolios
• Discuss the scope of work: Ask contractors to focus on key elements such as the pool and lining, and take care of non-structural tasks such as landscaping yourself to save money
• Consider local specialists: Local contractors in regions such as Florida or California may offer competitive prices due to high demand for pool construction projects

Regular maintenance is crucial to protecting your investment and avoiding costly repairs.

• Regular inspections: Check for leaks or equipment problems on a monthly basis. The durability of ICF units and PVC membranes minimizes the need for repairs, but vigilance is still important
• Use environmentally friendly chemicals: Saltwater systems or enzyme cleaners reduce chemical costs and environmental impact, which is cheaper in the long run
• Prepare your pool properly for winter:  In colder states such as Minnesota, drain the pool and cover it to protect the PVC membrane and equipment from costly damage