If you’ve spent any time searching “how much does a pool cost,” you already know the internet isn’t much help. Every site gives a different number, and none of them account for what pool buying actually looks like in West Tennessee (and yes- it looks like less money than what people are paying nationally!).
At Aloha Pools & Spas, we strive to give a clear, honest breakdown of what to expect when buying a pool. We’ve been building pools in the Union City area for over 57 years, establishing ourselves as one of the most trusted pool companies in the area.
In this article, we’ll break down what an above-ground pool typically costs in the Union City area, what drives that number up or down, financing options, and how much you can expect to spend keeping your pool running once it’s built.
Above-Ground Pool Cost in West Tennessee
So, how much does an above-ground pool cost in West Tennessee? Above-ground pools in this area typically run $5,000 – $18,000*, depending on size, materials, and package.
*Please note: national pricing looks much lower than this range, but these costs include items like ladders, steps, equipment, as well as the cost of labor and accidentals during the building process.
The price difference boils down to size, labor needs, and how many features come standard in your package. If you’d like to know more, check out these articles about the factors that drive a pool’s price and the hidden costs of building a pool!
West Tennessee is a great place to build a pool for a few reasons. Most of the region is flat, creating the perfect space for a pool. Fewer permits and regulations in the area help keep costs down. The downsides? Rural areas do not always mark water lines. If the team hits one, repairs are in order. The clay-heavy soil in the area can also add to the team’s work, slightly raising costs.
Above-ground pools get your family swimming faster and at a lower cost than an inground build, making them a popular option for families who want a pool without that longer construction timeline and price tag. Some models go on sale in the fall, which can help stretch your budget further.
If you’d like a quick idea of where your dream pool fits into that range, check out our above-ground pool cost estimator.
What Drives Your Pool Price? A Quick Breakdown
| Factor | Impact | Why |
|---|---|---|
| Pool size and shape | High | Larger and oval pools cost more than smaller round ones |
| Accessory package | Medium | Ladders, filters, and covers vary widely by package |
| Decking | Medium | A wraparound deck adds significantly to your total- typically not done by your pool builder |
| Site leveling | Low-Medium | Uneven yards may need extra prep before setup |
Common Above-Ground Pool Accessories and Costs
Your pool package covers the basics, but most owners add a few extras to round out the setup. Here’s what we recommend budgeting for:
- Accessory packages (ladders, filters, basic upgrades): $400-$2,800
- Pool decking (partial or wraparound): varies significantly by size and material, typically ranging from $3,000-$7,000
- Winter or solar covers: $150-$700
- Fencing, where required by code: varies by material and yard size
Your sales representative can walk you through which of these make sense for your specific setup.
What’s Included In Your Pool Price?
Your quoted price typically includes:
- The pool structure and liner
- Standard filtration and pump system
- Basic ladder or entry system
- Setup labor
What’s Not Included In Your Pool Price?
A few things typically fall outside that number:
- Decking
- Fencing
- Upgraded accessories like steps, rails, or lighting
- Electrical work for your pump or any add-ons
Your sales representative walks you through all of this up front, so nothing shows up as a surprise later.
Pool Permits and HOA Requirements
Tennessee doesn’t issue pool permits at the state level, but most jurisdictions require a permit for above-ground pools beyond a certain depth. Because the state puts nearly all residential permitting authority in the hands of counties and municipalities, requirements can look completely different from one town to the next.
State law also requires a functioning pool alarm before construction is considered complete. Fencing requirements and HOA rules vary by neighborhood, so if you’re in a planned community, it’s worth checking with your HOA before finalizing your design.
What Happens During Pool Installation?
Above-ground pool installation is a much faster process than an inground build. Our crew levels and preps the site, assembles the frame, and installs the liner and filtration system.
West Tennessee’s flatter terrain across much of the Delta region tends to mean simpler site prep, though clay-heavy soil is common and can occasionally require extra leveling work.
Most above-ground installs are completed in days rather than months, making them a good option if you want to be swimming sooner.
How Much Should You Budget For Your Pool?
Beyond your pool’s sticker price, it’s smart to set aside a cushion for accessories, decking, and any leveling work your yard might need. Budgeting an extra 10-15% on top of your base pool price is a safe bet.
If you’re financing, putting down 10-20% upfront can lower your monthly payment and help you secure a better interest rate. For example, on a $5,000 above-ground pool package, a 15% down payment of $750 leaves you financing $4,250, which typically means a smaller monthly bill than financing the full amount.
Can I Finance My Pool?
Yes! Aloha Pools & Spas works with Lyon Financial to help make pool ownership more accessible. To learn more about financing through Lyon Financial, check out this article.
Pool Maintenance Costs
Once your pool is set up, here’s a general yearly breakdown:
- Electricity: $70-$150 per month during swim season
- Chemicals: $200-$1,000 per year, with above-ground pools typically landing on the lower end of that range due to their smaller water volume
- Service: if you’d rather leave routine care to the pros, budget $400-$600 per year for professional service visits
Variable Speed Pump Costs
If you upgrade to a variable speed pump, your electric bill depends a lot on speed and run time. Running your pump around the clock and the reccommended speed costs roughly $84-$115 a month at Tennessee’s average electric rate of about 14.47 cents per kWh (kilowatt hour). Dropping the speed for that same 24 hours can cut your electric bill by 60-70%.
Annual total: most above-ground owners land somewhere between $1,000-$3,000 a year, depending on how much you DIY versus how much you hand off to a pro.
Most owners spend about an hour a week or less on routine upkeep: testing chemicals, skimming debris, and brushing walls.
Our Union City location offers free water testing any time you want a clearer read on what your pool actually needs.
Above-Ground Pool FAQs
Are above-ground pools worth it?
For most homeowners, yes. They offer a lower-cost, faster way to get swimming compared to an inground pool, though “worth it” ultimately depends on your budget, timeline, and how long you plan to keep the pool.
How much does pool decking cost on average?
Decking costs vary widely by material and size, but many above-ground pool owners spend a few thousand dollars or more depending on whether they choose a partial deck or a full wraparound.
Does an above-ground pool increase home value?
Above-ground pools generally add less or no resale value than inground pools, since they are viewed as a removable feature rather than a permanent one. That said, they still add enjoyment and functionality for the years you own the home.
What are the hidden costs of an above-ground pool?
Common ones include site leveling, decking, fencing, and liner replacement over time. Read our full hidden costs breakdown here.
What’s the yearly maintenance cost of an above-ground pool?
Most owners spend $1,000-$3,000 a year on electricity, chemicals, and general upkeep.
Should I get a salt system with my above-ground pool?
Nope! Salt systems are best suited for inground pools built to handle the extra wear on walls and equipment. For above-ground pools, a standard chlorine routine is the simpler, more cost-effective choice.
Ready to Talk Numbers?
If you’re in the Union City area and you’re ready to take the plunge on a pool, visit our store or contact a representative here to get started. We’ll work with you to find the pool that best fits your family, lifestyle, and budget.
We cannot wait to swim alongside you!
