As temperatures rise, the idea of having your own swimming pool can be incredibly tempting. Whether you’re envisioning weekend gatherings with friends or relaxing solo swims, a pool can offer comfort, entertainment, and luxury. But before you dive in, it’s worth asking: Does a pool really add value to your home?

The short answer: It depends.

What’s the Return on Investment?

According to market data, adding a pool may result in anywhere from a 0% to 50% return on investment, depending on several key factors. In some cases, it can boost property value. In others, it may be considered an unnecessary or costly improvement that doesn’t translate to resale value.

Location Matters

Geography plays a major role in determining how a pool is perceived in the real estate market:

• In hot-climate regions like Florida, Arizona, and Southern California, pools are often considered a necessity—and buyers expect them.

• In New England, the reaction is more mixed. While the season is shorter, pools can still be seen as a valuable amenity in the right context.

• Luxury neighborhoods where most homes include pools may drive buyer expectations higher. A pool-less home in this setting might seem lacking.

• Tourist-heavy markets or short-term rental areas often see a bump in value when pools are present, due to their rental appeal.

Keep In Mind: In neighborhoods where pools are rare or not desired, they may be considered an over-improvement with little to no added market value.

Type of Pool Installation Makes a Difference

• In-ground pools tend to have the most positive impact on home value—especially if well-maintained and thoughtfully integrated into the landscape.

• Features like saltwater systems, modern filtering, and attractive decking or patios enhance appeal.

• Above-ground pools, even if beautifully maintained, are generally viewed as temporary structures and typically add no value at resale.

Ongoing Maintenance Costs & Responsibilities

Pool ownership comes with significant upkeep. Here’s what homeowners should expect:

• Chlorine pools require frequent chemical balancing

• Saltwater systems need fewer chemical adjustments and offer lower maintenance

• Regular skimming, vacuuming, and filter cleaning are essential

• Electricity costs to run pumps, filters, and heaters add up

• Professional cleaning services average between $80–$150 per visit

According to HomeGuide, Rhode Island homeowners spend an average of $3,000–$5,000 annually on pool maintenance, repairs, and utilities.

Pro Tip: Robotic pool vacuums and smart maintenance systems can reduce time and cost over the long term.

Insurance & Liability Considerations

Pools increase potential liability, and homeowners’ insurance will typically require higher coverage limits, resulting in increased premiums. According to NerdWallet, installing a pool may increase your annual homeowners insurance premium by $50–$110 on average.

In addition, some insurers may require fencing or safety features as a condition for coverage.

So, Does a Pool Add Value to Your Home?

Here’s what the data says:

• Above-ground pools rarely increase home value—but they usually don’t decrease it either.

• In-ground pools can boost home value by 5% to 7%, with luxury pools in high-end markets seeing increases of up to 10% or more.

• Value gains are not guaranteed and vary by:

  • Neighborhood expectations

  • Pool condition and design

  • Landscaping and outdoor living features

  • Market timing (pools sell better in spring/summer months)

Pro Tip: According to the National Association of Realtors (NAR), homes with pools tend to attract more interest during late spring and summer, when buyers can easily imagine enjoying them.

The Joy Factor

While a pool may not fully pay for itself at resale, it may bring enormous personal value. In fact, in NAR’s most recent outdoor features survey, homeowners gave pools a “joy score” of 10/10—the highest possible rating.

Keep In Mind: If your goal is enjoyment, relaxation, and outdoor entertaining, a pool might be worth every penny.

Pros & Cons of Adding a Pool to Your Property

Pros

• Enjoyment, relaxation, and entertainment

• Great for low-impact exercise

• Social hub for friends and family

• Can improve home value in the right market

• Eliminates the need for community pool access

Cons

• High installation and maintenance costs

• Increased insurance premiums and energy bills

• Potential safety and liability concerns

• Not ideal for small yards or buyers with young children

• May decrease buyer interest in colder or budget-focused markets

Final Thoughts on Swimming Pools and Home Values

A swimming pool is more than just a backyard upgrade—it’s a lifestyle choice. While it may not always deliver a dollar-for-dollar return, it can offer years of enjoyment, improved quality of life, and added curb appeal if installed thoughtfully.

Before making the investment, consider your location, lifestyle, market, and long-term plans. And remember—sometimes, personal joy is the greatest return of all.