Backyard pool ideas on a budget
A backyard pool is one of those home additions that sounds expensive until you start looking at the full range of options. Yes, a custom in-ground pool can cost $50,000+, but a stock tank pool runs $300-$600, and a well-designed above-ground setup with a deck surround can look nearly as good as an in-ground installation for a fraction of the price.
Here are the main approaches, from cheapest to most involved.
Freeform pools
Freeform pools have curved, organic edges that mimic natural ponds and lagoons. They blend with landscaping better than rectangular pools because the shape looks deliberate rather than dropped into the yard.
Budget angle: Freeform pools can be cheaper than geometric designs because they require less precision in excavation and fewer straight edges to get right. They also hide imperfections better.
Features to consider:
- A negative (vanishing) edge on one side creates a waterfall effect as water spills over and recirculates. Adds $3,000-$8,000 to the base cost.
- Landscaping integration — leaving natural stone borders or planting beds that extend to the pool edge — reduces hardscape costs.
- A freeform shape works better in small or irregularly shaped yards where a rectangle would not fit.
Cheapest alternative: A galvanized steel stock tank pool. An 8-foot round stock tank costs $300-$600. Add a small filter pump ($100-$200), and you have a functional dipping pool for under $1,000. These look surprisingly good when surrounded by gravel, pavers, or a low wood deck.
Shaped pools for specific needs
Different pool shapes serve different purposes. Match the shape to how you will actually use it:
| Shape | Best for | Typical cost range |
|---|---|---|
| Grecian (rectangular with curved ends) | Large gatherings, pool parties | $30,000-$50,000 |
| Roman (rectangle with rounded ends) | Sunbathing, a classic look | $25,000-$45,000 |
| Lap pool (long, narrow rectangle) | Exercise, daily swimming | $20,000-$35,000 |
| Kidney/irregular | Small yards, natural landscaping | $20,000-$40,000 |
| Oval stock tank | Small spaces, low budget | $200-$500 |
Lap pools are worth calling out specifically — a 10x40 foot lap pool fits in most backyards and costs significantly less than a large freeform or geometric pool because it uses less material and requires a simpler excavation.
Decks around above-ground pools
Above-ground pools are the most budget-friendly option (a quality 15-foot round above-ground pool costs $1,500-$4,000 installed), but they look their best when surrounded by a deck that integrates them into the yard.
Deck options:
- Pressure-treated wood: The most common and cheapest option. $15-$25 per square foot installed.
- Composite decking: More expensive ($25-$45/sq ft) but zero maintenance and will not splinter.
- Multi-level design: Building the deck at pool-rim height on one side and ground level on the other creates the illusion of a semi-in-ground pool.
Safety considerations:
- Deck surfaces near pools must be slip-resistant. Composite and textured wood are safer than smooth-planed lumber.
- A gate or removable ladder section is required by code in most areas to prevent unsupervised child access.
- Non-slip stair treads on all entry points are cheap insurance (under $5 per step).
LED pool lighting
LED lighting turns a basic pool into something that looks high-end after dark, and it is one of the cheapest upgrades you can make.
Why LED over halogen:
- LEDs last 20x longer than halogen bulbs (50,000+ hours vs 2,500)
- They use 75% less electricity
- Color-changing LEDs allow you to shift the pool ambiance with a remote or smartphone app
Cost: A basic set of submersible LED pool lights (like LOFTEK, 12-pack) costs $30-$50. These are battery-powered, waterproof, and can be placed anywhere in or around the pool.
For above-ground pools, LED strip lights attached to the inner rim create a dramatic glow from within. A 16-foot waterproof LED strip costs $15-$25.
Placement tip: Warm white light (2700-3000K) creates a relaxed atmosphere. Cool white and colored lights are more dramatic but can feel like a commercial pool. Use warm white as the default and save colors for parties.
Quick budget comparison
| Option | Total cost estimate | DIY? | Timeline |
|---|---|---|---|
| Stock tank pool | $500-$1,000 | Yes | 1 weekend |
| Above-ground + simple deck | $3,000-$8,000 | Partial | 1-2 weeks |
| Small in-ground (fiberglass) | $20,000-$35,000 | No | 3-6 weeks |
| Custom freeform in-ground | $35,000-$60,000+ | No | 6-12 weeks |
Start with what your budget and yard can realistically support. A well-maintained stock tank pool with a gravel surround, some planters, and LED lighting at night looks better than an expensive pool that sits half-finished.
Ongoing maintenance costs
The purchase price is only part of pool ownership. Monthly maintenance costs vary by pool type:
| Pool Type | Monthly Cost | What’s Included |
|---|---|---|
| Stock tank | $10-$25 | Filter cartridges, chlorine tablets |
| Above-ground | $30-$60 | Chemicals, filter, occasional liner patching |
| In-ground (fiberglass) | $50-$100 | Chemicals, pump energy, annual service |
| In-ground (concrete) | $75-$150 | Chemicals, pump, acid washing every 3-5 years |
Winterizing adds $100-$300 per year in cold climates. Stock tanks can simply be drained and stored.
Permits and regulations
Before breaking ground, check your local building codes:
- In-ground pools: Almost always require a building permit ($100-$500) and must pass inspection. Setback requirements (distance from property lines) vary by municipality.
- Above-ground pools: Permitting varies, many areas require permits for pools deeper than 24 inches. Always check.
- Fencing: Most jurisdictions require a 4-foot fence with self-closing, self-latching gates around any pool. Budget $1,500-$5,000 for fencing if you do not already have it.
- Homeowner’s insurance: Notify your insurer. A pool typically increases your liability premium by $50-$100/year.
Related guides
- Small deck ideas on a budget, deck options that complement pool areas
- Concrete patio ideas on a budget, patio surfaces for pool surrounds
- How to arrange plants in your living room, bringing pool-area planters indoors for winter
Sources
- Pool installation cost ranges: HomeAdvisor, Pool Installation Costs
- Stock tank pool setup: The Spruce, Stock Tank Pool Guide
- Pool fencing requirements: Consumer Product Safety Commission, Pool Safety
Bottom Line
A backyard pool does not require a contractor-sized budget. Stock tanks, plunge pools, and above-ground options all cost a fraction of an in-ground build while still giving you a place to cool off on hot days. Start with the smallest option that fits your yard and add upgrades, decking, lighting, filtration, over time as the budget allows.
Frequently Asked Questions
How much does a budget backyard pool cost?
Stock tank pools start around $200–$400 for the tank alone, plus $100–$200 for a basic pump and filter. Above-ground pools range from $500 to $3,000 depending on size. In-ground plunge pools start around $5,000 for DIY installations.
Do stock tank pools need a filter?
Yes. Without filtration, water becomes green within days. A small cartridge pump ($80–$150) and chlorine tablets keep the water clear. Some owners add a small fountain pump for circulation instead.
Can I put a pool on grass?
You can, but the grass underneath will die. Most budget pool owners place their pool on a level gravel pad, patio pavers, or a compacted sand base. This also prevents the pool from sinking unevenly.