All Posts
No items found.

How Much Should a Good Inground Swimming Pool Cost in Minnesota? (2025 Complete Guide)

How Much Should a Good Inground Swimming Pool Cost in Minnesota? (2025 Complete Guide)

Wondering about the price of an inground swimming pool in Minnesota? You're not alone. With our harsh climate and short summers, getting the right pool at the right price is crucial for Minnesota homeowners.

Let's dive right in: Inground swimming pools in Minnesota typically cost between $40,000 and $125,000 depending on the construction type. But there's much more to the story than just these numbers.

If you're ready to build your swimming pool anyhwere in the Twin Cities Metro Area, then you're in the right place.

We are Plan Pools, and we wrote this article so we could introduce ourselves, and hopefull earn your business for your inground swimming pool.

We aren't your typical pool builder, we build the best swimming pool systems available.

That is, we build the best value.

There's a huge difference between what typical pool contractors build, and their business model.

What goes into a Plan Swimming Pool that's Better than the Rest?

We're completely different, we're delivering the best value, most common sense setup that will outlast our competitors and lead to the best experience throughout the life of the pool.

A: We Build it Like It's Ours

We install the same stuff that's in our own backyard.

B: We Include THE Best Automation & Systems

We include the best value automation, pool covers and systems
(no silly up-charges).

C: The Leading Salt-Water Systems

We install the best, most dependable salt-water system.

D: Superior ICF vs. Steel Wall

We use insulated (ICF) concrete forms rather than steel walls, leading to energy savings, customizability & your entire landscape lasting longer.

Choose Insulated Concrete Form (ICF) vs. Steel Wall

Superior Insulation Leads to 60% Lower Heating Costs

Open up earlier in spring & stay open longer in fall.

Steel walls can't be properly backfilled & compacted. Better compaction of soil leads to longer lasting hardscape & pool decks.

Avoids rust, corrosion & leaks.

Steel walls are kits, meaning less customization & a shallower pool depth.

Insulated Concrete Forms lead to a longer lifespan, lower cost of ownership & better hardscape & pool deck lifespans.

Warmer pool for less, means more enjoyment.

A major part of what makes a Plan Swimming pool better for customers, is our use of Insulated Concrete Form (ICF) walls, vs. Steel wall construction.

If you want longer lifespans of your pool, hardspaces & decking with 60% lower energy costs, then connect with our team today!

What Are the Real Price Ranges for Inground Swimming Pools in Minnesota?

When it comes to inground swimming pool prices in Minnesota, you'll find several options to fit different budgets and needs:

  • Vinyl liner pools: $40,000-$75,000 (most affordable option)
  • Fiberglass pools: $55,000-$100,000 (quick installation, better algae resistance)
  • Concrete/gunite pools: $65,000-$120,000 (maximum customization but higher maintenance)
  • ICF pools (Insulated Concrete Form): $90,000-$125,000 (superior for Minnesota's climate)

ICF pools are quickly becoming the preferred choice for Minnesota homeowners, and for good reason. As Plan Pools explains on their website, these pools combine concrete strength with foam insulation specifically designed to resist freeze-thaw damage—a critical feature in our climate.

Size Impacts Minnesota Pool Pricing

The size of your pool dramatically affects the final price tag:

  • Small pools (under 300 sq ft): Starting around $40,000 for vinyl and reaching $90,000 for ICF
  • Medium pools (300-500 sq ft): $55,000-$110,000 depending on construction type
  • Large pools (500+ sq ft): Starting at $65,000 for vinyl and exceeding $125,000 for premium constructions

Remember, larger pools may cost less per square foot due to economies of scale, but the total investment will be higher.

Why Do Minnesota Swimming Pools Cost More Than in Other States?

If you've been researching pool costs nationally, you might notice Minnesota prices run about 10-15% higher than the national average. There's a good reason for this.

Our extreme temperature variations create unique challenges that significantly affect both initial and ongoing costs. According to Swimming Pool Quote's research on Minnesota pool prices, the freeze-thaw cycle causes soil expansion and contraction that can devastate poorly constructed pools.

This means Minnesota pools require:

  • Triple bracing
  • Thicker concrete walls
  • Higher PSI concrete mixtures
  • Specialized installation techniques

All these requirements add 15-25% to construction costs compared to identical installations in warmer states—but they're absolutely essential for pool longevity in our climate.

The Minnesota Freeze-Thaw Factor: Why Construction Type Matters

Not all pool construction types handle Minnesota winters equally well.

Steel wall pools (often used with vinyl liners) are most susceptible to movement and damage during freeze cycles. Their support systems can actually prevent proper soil compaction, leading to shifting and damage over time.

According to Fox Blocks' analysis of ICF pool construction, ICF pools demonstrate superior resistance to harsh conditions. The monolithic concrete pour surrounded by insulating foam creates a structure that better withstands ground movement and temperature extremes.

"Using Insulated Concrete Form Construction is just one factor that goes into our overall Plan Pool Swimming Pool system, but it's a major differentiator between Plan Pools & other Pool Builders or Pool Installers near Minneapolis, St. Paul Twin Cities." - Plan Pools

The True Cost of Owning a Swimming Pool in Minnesota

The price of an inground swimming pool in Minnesota extends far beyond installation. Annual maintenance costs typically range from $2,000-$5,000 for chemicals, energy, and routine upkeep.

Minnesota Pool Heating Costs: A Major Consideration

Heating costs vary dramatically by system type:

  • Gas heaters: $1,500-$3,000 annually (fast heating but higher expense)
  • Heat pumps: $700-$1,800 annually (better efficiency but reduced performance in very cold temperatures)
  • Solar heating: Minimal operating costs but limited effectiveness in Minnesota's climate

ICF pools shine here too, with their superior insulation cutting heating costs by up to 60% compared to standard constructions, according to Plan Pools' energy efficiency analysis.

Ongoing Maintenance Costs By Pool Type

Different pool types have vastly different maintenance needs:

  • Concrete pools: Highest maintenance burden, requiring acid washing every 3-5 years ($300-$500) and resurfacing every 10-15 years ($10,000-$20,000)
  • Vinyl liner pools: Need liner replacement every 8-12 years ($3,000-$7,500)
  • Fiberglass pools: Lowest ongoing maintenance costs at approximately $5,000 over a 10-year period

The Minnesota Winter Factor: Winterization Costs

Our climate necessitates professional winterization services ($250-$400 annually) to prevent freeze damage. This process includes:

  • Water chemistry balancing
  • Lowering water levels
  • Draining equipment
  • Adding winterizing chemicals
  • Blowing out pipes
  • Installing winter covers

Many Minnesota pool companies, including Plan Pools, offer first-year opening/closing services free with installation (approximately $455 value).

What Value Does a Pool Add to Minnesota Homes?

From an investment perspective, pools in Minnesota typically add 5-7% to home value, recovering approximately 50-56% of the initial investment at sale time. This ROI is lower than in warmer climates due to our shorter swimming season.

Bankrate's analysis of pool value shows that location significantly impacts value addition, with urban and upscale suburban areas seeing higher returns than rural properties. Interestingly, lakefront properties often see lower ROI from pools since natural water access diminishes the value of private water features.

Minnesota Pool Season: Getting Your Money's Worth

Minnesota's pool season typically runs 3-4 months without heating but can be extended to 6-7 months with proper heating systems. This is where pool construction choices really impact your enjoyment.

As Sundays Off Pools notes in their swimming season analysis, properly insulated pools like ICF constructions can extend your swimming season by several weeks on both ends, maximizing your investment.

Legal Requirements for Minnesota Pool Installation

Minnesota municipalities enforce strict permit and safety requirements. Typical costs include:

  • Building permits: $300-$1,000 depending on project value and location
  • Electrical permits: $50-$200
  • Plumbing permits: $50-$150

Most municipalities require multiple inspections throughout the installation process:

  • Initial site inspection
  • Structural inspection after excavation
  • Electrical and plumbing inspections
  • Final inspection once the pool and barriers are complete

According to Minnesota Pool Company's permit guide, most municipalities also require safety fencing at least 5 feet tall with self-closing, self-latching gates.

Financing Your Minnesota Swimming Pool

Financing options for Minnesota pool projects include:

  • Home equity loans (currently averaging 7.5%-8.5%)
  • Home equity lines of credit (8.0%-9.5%)
  • Specialized swimming pool loans from providers like LightStream, HFS Financial, and Lyon Financial

The average financed amount for Minnesota pool projects ranges from $60,000-$80,000, typically requiring 10-20% down payment, according to HFS Financial's Minnesota pool loan information.

Why You Shouldn't Choose the Cheapest Swimming Pool in Minnesota

When considering the cost of an inground swimming pool in Minnesota, it's tempting to focus solely on the initial price tag. However, this approach often leads to regrets and significantly higher long-term expenses.

Here's why investing in quality makes more sense in Minnesota:

  1. Freeze-thaw resistance is non-negotiable: Lesser construction methods simply don't hold up to our climate's extremes. According to Atlantis Pools' construction guide, cheaper pools often suffer freeze damage within just a few seasons.
  2. Energy efficiency pays dividends: Higher-quality, well-insulated pools like ICF constructions cost more upfront but can save thousands in heating costs annually. That 60% heating cost reduction adds up quickly over the years.
  3. Longer swimming seasons maximize enjoyment: Better-constructed pools open earlier and close later, giving you weeks more swimming time each year. When you're investing tens of thousands, getting those extra weeks matters.
  4. Reduced maintenance means fewer headaches: Premium constructions require less maintenance and fewer repairs, saving both money and frustration over the pool's lifetime.

As Plan Pools emphasizes, "You won't need to upgrade much, because we've included the most common sense, best-value options." This approach actually saves money in the long run by avoiding the "gotcha" upgrades that plague many budget pool installations.

Making the Minnesota Pool Decision: Key Takeaways

Minnesota's unique climate creates both challenges and opportunities for pool ownership. While construction costs run 10-15% higher than national averages, the right design choices can mitigate long-term expenses and extend the swimming season.

The most important factors to consider when pricing your Minnesota pool:

  • Construction type matters more here than elsewhere: ICF and fiberglass constructions offer the best balance of durability and efficiency in Minnesota's freeze-thaw environment.
  • Heating efficiency is crucial: Proper insulation and heating systems can extend your typical 3-4 month swimming season to 6-7 months.
  • Total ownership costs should guide decisions: Look beyond the initial price tag to annual operating costs of $2,000-$5,000.
  • Seasonal timing affects pricing: Contracts signed during off-season months (October-February) often receive 5-15% discounts versus peak season (March-August) installations.

Remember, a pool is a significant investment that should provide years of enjoyment. As Plan Pools notes, "Most pool contractors get you hooked, and then use change-orders, 'gotcha' upgrades or doomed technology to build profit." Choosing a reputable contractor who understands Minnesota's unique challenges is essential for getting the best value.

Ready to take the plunge? Contact a Minnesota pool specialist who understands our unique climate challenges and can help you select the right pool at the right price point for your needs.

No items found.
Plan Pools | Pool and Concrete Blog | Twin Cities

More Posts:

8 Best Swimming Pool Installation Contractors Near Rosemount MN

Looking for the best swimming pool contractors near Rosemount MN? Discover the top 8 pool installation companies serving Rosemount with our comprehensive guide that highlights superior ICF concrete construction versus traditional steel wall pools.

6 Best Pool Contractors in Shakopee MN | Energy-Saving ICF vs Steel Wall Construction

Compare Shakopee's top pool contractors & builders. Discover how Plan Pools' energy-efficient ICF construction saves 60% on heating costs compared to traditional steel wall pools in Minnesota.RetryClaude can make mistakes. Please double-check responses.

12 Best Swimming Pool Contractors Near Prior Lake MN | ICF vs Steel Wall Pools

Compare the top 12 swimming pool contractors serving Prior Lake MN. Discover why energy-efficient ICF concrete pools outperform traditional steel wall construction for Minnesota homes.

Best Pool Contractors in Lakeville, MN: Top 7 Swimming Pool Builders (2025)

Looking for expert pool contractors in Lakeville, MN? Discover the top 7 swimming pool builders in the area, featuring Plan Pools' superior ICF concrete construction that saves 60% on heating costs.

When is the Best Time to Build a New Pool in the Twin Cities?

When planning to add a pool to your Twin Cities yard, consider this timeline as recommended by our team at Plan Pools.

Steps to Building a Pool in the Twin Cities

Building a pool in the Twin Cities? Here's what you can expect during the process.

New Build Home? Why Now's the Perfect Time to Add a Pool

If you have a newly built home, now is a great time to add a pool! Check out how we can work together to make that happen!

What You Need to Know About Building a Pool in Minnesota

Building a pool in your Twin Cities yard? Consider these key factos.

How to Make Your Pool Work With Your Landscape

Where is the best place in your yard to build a pool? Check out these tips from our experts.

Corcoran's 20 Best Swimming Pool Builders: Save 60% On Heating With ICF vs Steel Wall (2025)

20 Best Pool Contractors in Corcoran Minnesota: Discover Corcoran's premier pool contractors in our exclusive 2025 directory. Compare 20 local builders, explore revolutionary construction options that extend your Minnesota swimming season by months, and find the perfect match for your backyard dream. Expert insights, pricing guide, and local recommendations included.

Top 20 Pool Contractors Near Medina MN: Complete Comparison & Energy-Saving Options (2025)

Building a Pool in Medina MN? Looking for the best pool contractor near Medina Minnesota? Discover our curated list of 20 top-rated swimming pool builders serving Medina, featuring energy-efficient ICF options that save 60% on heating costs. Find the perfect pool contractor for your backyard oasis today!

20 Best Orono MN Pool Contractors Compared: Save 60% On Pool Heating Costs (2025)

Searching for trusted pool contractors in Orono, MN? Our comprehensive guide reviews the top 20 swimming pool builders serving Orono, highlighting energy-efficient options, pricing information, and key differentiators to help you make the best choice for your backyard oasis.

What Is an ICF Pool?

Learn what an ICF Pool is and how it compares to a steel wall pool.

Best Pool Contractors in Lakeville, Minnesota

When building a pool near Lakeville, MN, trust this list of the best pool contractors in the South Metro.

Top Pool Contractors Near Eagan, MN

Are you looking for a pool builder near Eagan, Minnesota? Check out some of the top pool companies.

7 Best Pool Contractors Near Minnetonka, MN

Looking to build a pool at your home in Minnetonka? Check out the top pool companies.

Corcoran MN Pool Builders: 10 Best Pool Contractors in Corcoran Minnesota

Corcoran Pool Contractors: Heres' The Best Pool Installation Companies & Swimming Pool Builders in Corcoran Minnesota

Prior Lake's Pool Builders: 10 of the Best Pool Contractors & Pool Builders in Prior Lake MN

Looking for the best pool builder in Prior Lake? We've pulled together a comprehensive list of 10 pool installation companies near Prior Lake Minnesota.

Do's and Dont's for Your Swimming Pool in the Off Season

A vast majority of pool owners prefer to have a professional help care for their pool during the downtime in order to ensure a seamless opening once it warms up outside. However, it is possible for some of these steps to be done by the pool owners themselves. Plan Pools & Concrete is here to help you with some common Do’s and Don’ts for pool owners.

Five Questions to Ask Any Pool Contractor

Helpful questions to consider before you hire a contractor to build your pool.

Ten Fun Pools Games to Play this Summer

Here are ten fun pool games that you need to play this summer!

Pros & Cons of an Early Pool Opening

Plan Pools dives in to help provide some thoughtful insights around the right time to open your pool for the season.