If you’re thinking about adding a pool to your backyard, a 10×20 inground pool is a great option. It’s big enough for swimming, exercising, and having fun with family and friends, yet it doesn’t take up too much space.
One of the first questions most homeowners ask is, “How much will it cost to build a 10×20 inground pool in Orlando?”
The truth is, the price depends on several factors, from the type of pool to the materials, equipment, and extras you choose. In this guide, we’ll break down all the costs you should consider so you can plan your dream pool without surprises.
What Affects the Cost of a 10×20 Inground Pool?
Several things influence the final price of a pool. Let’s go over the main factors:
1. The Type of Pool
The first choice you’ll need to make is what kind of pool you want. There are three common types:
- Concrete/Gunite Pools: These are very customizable. You can create any shape and add steps, benches, or even waterfalls. A 10×20 concrete pool in Orlando usually costs $45,000 to $70,000. They’re long-lasting but require more maintenance.
- Fiberglass Pools: These pools are pre-made and easier to install. They’re smooth, low-maintenance, and usually cost $35,000 to $55,000. The downside is fewer shape and size options compared to concrete.
- Vinyl Liner Pools: These are the most budget-friendly. A 10×20 vinyl pool can cost $25,000 to $40,000. They can be customized with different liner patterns, but the liners need replacing every 7–12 years.
2. Excavation and Preparing Your Backyard
Before the pool goes in, the site must be prepared. This includes digging, leveling, and sometimes dealing with rocks or roots. The cost depends on:
- Soil type: Sandy soil is easier and cheaper to dig than clay or rocky soil.
- Access: If trucks and machines can’t easily get into your yard, it will cost more.
- Grading: Uneven yards may need extra work like leveling or adding retaining walls.
On average, excavation and site prep for a 10×20 pool in Orlando cost $3,000 to $8,000.
3. Pool Finish
The finish affects how your pool looks, feels, and how easy it is to maintain. Common finishes include:
- Plaster: Smooth and classic. Costs $4–$7 per sq. ft.
- Pebble: Textured and elegant. Costs $8–$12 per sq. ft.
- Quartz: Smooth, durable, and shiny. Costs $7–$10 per sq. ft.
A 10×20 pool has 200 sq. ft. of surface, so your finish could add $1,000–$2,400 to your budget.
4. Pool Equipment
Your pool will need some basic equipment to work properly:
- Pump and Filter: $1,500–$3,000
- Heater: $1,500–$4,000 (optional but great if you want year-round swimming)
- Saltwater System: $1,200–$2,500 if you prefer a saltwater pool
- Lighting: $500–$2,500 depending on style and number of lights
Choosing energy-efficient equipment may cost more upfront but can save money on electricity later.
5. Pool Decking and Landscaping
The area around your pool is just as important as the pool itself. Decking and landscaping make your backyard inviting and functional:
- Concrete Decking: $8–$15 per sq. ft.
- Stone or Pavers: $15–$25 per sq. ft.
- Landscaping: $2,000–$8,000 depending on plants, lights, and irrigation
For a 10×20 pool, you’ll usually need 500–700 sq. ft. of decking space.
6. Permits and Inspections
Orlando requires permits for all inground pools to make sure construction is safe and follows local rules. Permit costs usually range from $500 to $2,000. Always hire a licensed pool builder familiar with Orlando regulations to avoid delays.
Average Cost Breakdown for a 10×20 Inground Pool in Orlando
Here’s a realistic estimate of what a 10×20 pool might cost in Orlando:
| Item | Cost Range |
|---|---|
| Pool Type | $25,000–$70,000 |
| Excavation & Site Prep | $3,000–$8,000 |
| Pool Finish | $1,000–$2,400 |
| Equipment | $3,500–$10,000 |
| Decking & Landscaping | $4,000–$15,000 |
| Permits & Inspections | $500–$2,000 |
| Total Estimated Cost | $37,000–$107,400 |
Remember, this is just an estimate. Your final price depends on your pool type, size, design, and backyard conditions.
Optional Extras That Can Increase Cost
Many homeowners like to add features that make the pool more fun and luxurious:
- Water Features: Fountains, waterfalls, or spillovers can cost $1,500–$10,000+
- Pool Covers: Safety or automatic covers cost $2,000–$6,000
- Outdoor Kitchens or Fire Pits: $3,000–$15,000, depending on design
- Pool Automation: $1,500–$5,000 to control lights, pumps, and temperature from your phone
- Safety Fencing: $1,500–$5,000 depending on materials
Adding some or all of these features can create a backyard paradise, but it’s important to budget for them upfront.
Financing Your Pool
Pools are a big investment, and many homeowners look into financing options:
- Home Equity Loan or HELOC: Uses your home’s equity to pay for the pool. Interest rates are usually low.
- Personal Loan: If you don’t have home equity, you can get a personal loan, though rates may be higher.
- Pool Financing Plans: Many pool companies offer payment plans with low monthly payments.
Plan your financing carefully so the pool fits your budget without stress.
Long-Term Costs of Owning a Pool
It’s not just about building the pool—the cost of keeping it running adds up over time:
- Water & Chemicals: $500–$1,200 per year
- Electricity: $600–$1,500 per year for pumps and heaters
- Routine Maintenance: $1,000–$2,500 per year for service or cleaning
- Repairs & Upgrades: Variable, depending on pool age and equipment
Thinking about these costs beforehand will help you enjoy your pool without surprises.
Tips to Save Money Without Sacrificing Quality
- Choose a simple shape: Rectangular pools are cheaper to build than freeform ones.
- Select basic finishes: Plaster or vinyl keeps costs lower than premium options.
- Bundle services: Some builders offer packages including decking and landscaping.
- Focus on energy efficiency: Solar heaters and variable-speed pumps may cost more upfront but save money later.
- Hire a trusted pool builder: Avoid cutting corners, which can lead to costly repairs.
Why Orlando is Perfect for a 10×20 Pool
Orlando’s sunny climate makes it perfect for a backyard pool. Even in winter, a heated pool allows you to swim comfortably. A 10×20 pool is ideal because it’s compact but still big enough for fun, exercise, and relaxation.
Choosing the Right Pool Builder
Picking the right contractor is just as important as picking your pool. Look for:
- Licensed and insured contractors: Ensures safety and code compliance
- Experience: Check their portfolio for pools similar to yours
- Transparent pricing: Avoid hidden fees or unclear quotes
- Local reputation: Reviews and referrals show reliability
- Maintenance support: Some builders offer service plans to keep your pool in top shape
A professional pool builder makes the whole process smooth, from design to completion.
Final Thoughts
A 10×20 inground pool can turn your backyard into a beautiful, relaxing, and fun space. Costs vary depending on pool type, finishes, equipment, and extra features, but knowing what to expect helps you plan your budget wisely.
By choosing the right builder and considering maintenance and optional upgrades, you can enjoy your pool for years to come.
If you’re ready to make your backyard dream a reality, contact Aqua Elite Pool today at welcome@aquaelitepool.com. Our team will guide you through every step, from design to construction to long-term care.