Is a Backyard Pool Worth It? 10 Things to Know Before You Buy a House With a Pool

#1: Routine maintenance is costly

Owning a home with a pool provides a convenient source of fun for the entire family. Though you'll be on the hook for regular (and expensive) maintenance when the pool is in use. In temperate areas such as Washington, D.C., pool season typically stretches from Memorial to Labor Day, but in places such as Florida and Arizona pools are used year-round. This can add up.

Experts recommend that a pool be cleaned weekly when in use. As part of the cleaning process, the pH level will need to be tested to ensure the alkalinity isn't too high or low. The wrong level could make the water too acidic or reduce the effectiveness of the chlorine. When this happens, the water is no longer safe for swimmers and can cause corrosive damage to the pool's surface and equipment.

If you don't clean the pool yourself, you'll need to hire a pool maintenance service — and that expense can quickly tally up. Pool owners spend between $115 to $353 to have their pool maintained weekly by a professional, according to HomeAdvisor.com. The national average is $234. A service includes skimming the water's surface for floating debris, vacuuming the pool floor, brushing the walls, cleaning the filter and checking the water and pH levels. That’s roughly $936 spent on monthly maintenance.

#2: Repairs are even costlier

A tear in a swimming pool's lining is a common issue encountered by pool owners. The liner acts as a barrier between the pool walls/floor and water, helping prevent mold growth. Vinyl lining is popular due to its affordability but repairing it can cost anywhere between $1,000 and $6,000 depending on how big the tear is, says HomeServe. If it’s small enough, you may be able to repair it yourself with a vinyl pool liner patch kit (starting at $5 on Amazon).

If a gradual decrease in water level leads you to suspect a slow leak, professional help might be needed to find and fix the problem. This will cost you anywhere from $100 to $500. If there's a leak in your pool's plumbing — which could affect the filter pump and heater later — you'll need to have an expert assess the damage. The average cost to fix a plumbing leak is $704.

It’s best to get ahead of these problems. When considering a home with a pool, ask the seller about any previous repair work, says Frank Lesh, founder of Home Sweet Home Inspection Company. Find out the specific type of repairs and when they were completed. A pattern of issues could be a sign of a larger, costlier repair to come.

#3: Safety risks abound

Nearly 379 children under the age of 15 drown in backyard swimming pools every year, according to the Consumer Product Safety Commission (CPSC). Children younger than 5 years old account for about 75% of these drownings, more than half of which are attributed to a gap in adult supervision.

Many localities require a safety barrier to be installed around a residential pool to help prevent accidental drownings. So be sure to install a separate fence around the pool and not just the backyard. If you have small kids at home, consider buying a fence with a self-closing door and locking mechanism that's out of their reach, says Mary Roberts, former president of the Arizona Association of Realtors.

Pool fencing options vary by type (glass, mesh, vinyl, etc.) and price. You’ll pay anywhere from $15 to $40 per linear foot on average, according to HomeAdvisor.com. Chain-link and mesh run from $1,000 to $5,000, while wrought iron, aluminum, vinyl or wood are double that price, at $2,000 to $12,000. Tempered glass is the most expensive and ranges from $7,000 to $20,000.

The CPSC recommends going a step further and installing door alarms on all doors in the home leading to the pool area, as well as on the pool fence itself.

A diving board also poses a major safety risk. Common injuries include falling while climbing the ladder and hitting the diving board while trying tricks, Realtor.com warns. As a result, insurance companies will likely charge a higher premium or won't cover diving-board injuries at all.

If you make an offer on a house with a diving board, ask the seller to have it removed before you go to closing. If that doesn't work you can simply do it yourself once the home is in your possession.

#4: You may need additional insurance

Since homeowners with pools face the potential for pool-related injuries, insurance providers commonly refer to residential pools as "attractive nuisances." Consider increasing your liability coverage beyond what's offered with your homeowners insurance policy.

Taking out a personal umbrella insurance policy is a good way to do this. Should you ever be sued, an umbrella policy kicks in once liability coverage on your homeowners policy ends. That coverage usually maxes out around $300,000. The additional amount can help pay for judgments against you and attorney fees, according to the Insurance Information Institute. You can purchase a $1 umbrella liability policy for $383 a year, as per Progressive. Find out how much you can get with our umbrella insurance calculator.

#5: The resale value is low

You might think that adding a pool to your backyard will boost your home's resale value significantly. But the most it might increase is 7% and that's only if it meets certain criteria when it's time to sell, according to HouseLogic.com. This includes living in a warmer climate or a high-end neighborhood where most of your potential neighbors have a pool in the backyard.

A swimming pool might even scare away potential buyers who are turned off by the work and expense required to maintain it, says Christopher Suranna, a real-estate agent with Metro DC Houses.

#6: Your energy bills will go up

Energy bills are already close to a two-decade high, so an in-ground pool will only add to this. For example, you could pay an extra $500 to $2,000 per year in utility bills for the additional electricity used, according to HomeAdvisor.com.

If you have a pool that's heated you'll spend an extra $120 to $850 per month, with propane powered heaters being especially pricey.

#7: You might get sick

Ear and respiratory infections, rashes and diarrhea are often caused by exposure to contaminated water found in swimming pools, hot tubs, water parks and other public swimming spaces, according to the Centers for Disease Control (CDC).

So what can pool owners do to avoid water-related illnesses? Firstly, try not to let people that are ill swim in the pool. Regular pool maintenance is also critical to help prevent bad germs from making you, your family and friends sick.

And when buying a new home with a swimming pool, you should also get it inspected to ensure it meets state and/or federal safety regulations.

#8: Home buyers need to hire a separate pool inspector

Maria Zamora, a real estate agent based in Addison, Texas recommends hiring a certified licensed pool inspector to do a comprehensive check that includes a leak detection test within the shell of the pool.

A pool inspector can also examine the operating systems (both plumbing and electrical), the pool's interior surface, main drain and deck surfacing, Zamora adds. This person should also be able to identify any federal, state or local issues pertaining to fencing, as well as any other safety-related problems.

You can find a certified pool inspector in your area by using InterNACHI's "Find an Inspector" search tool. Enter your home address, then click on the advanced search dropdown and select "pool/spas." Hit enter. You'll get search results for certified pool inspectors within a 10 to 50-mile radius of your home.

Zamora says buyers should also purchase a home warranty that includes coverage for any major pool repairs.

#9: When the kids grow up, the novelty wears off

For families with young children, having a home with a pool can be a great source of recreation during summer breaks. However, by the time the kids hit high school the backyard oasis is typically used a lot less, and yet the maintenance fees and related costs continue to add up.

To fill a standard in-ground pool with gravel or dirt averages between $4,500 and $6,250, according to HomeAdvisor.com. It's cheaper to use gravel (about $5 to $8 per cubic yard), but it can settle over time making the ground above it less stable, HomeAdvisor.com warns.

#10: Water attracts insects and wildlife

Mosquitoes and water bugs are drawn to swimming pools, especially during peak season. Skimming the pool's surface helps but is time-consuming and detracts from the actual use of the pool. Another solution is following a maintenance schedule to deter the growth of algae along walls, which many bugs are attracted to.

It's also not uncommon for homeowners in some areas to find dead animals floating in the water overnight. While most don't pose a health risk to humans, this isn’t a problem most of us want to deal with.

A few wild animals will pose a risk, however. For example, raccoons can carry parasites and if one happens to enter your pool and contaminate the water, it could lead to severe neurological illness in humans, especially children, the CDC says. Birds, particularly ducks and geese, can also dirty a pool with their droppings, which can lead to illnesses caused by Salmonella and E. coli.

In states such as Florida, alligators and snakes can obviously pose a threat too. This is another reason why it's important to install fencing around your pool to help keep wildlife at bay.