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How Much Does an Inground Pool Cost in Toronto?

Last updated:By The Pool Trade Desk

A newly finished rectangular inground pool in a fenced suburban backyard at dusk, its underwater lights on so the water is the only lit thing in the yard, with pale coping stone around the edge and the deck, lawn and cedar fence in darkness.

Shell type sets the starting price, and access to the backyard decides how much of the budget goes on simply getting a machine to the hole. Researched pricing puts standard inground pool, what most Toronto homeowners spend at $60,000 to $130,000 per project (CAD), per Easy Pools (Toronto, 2026), and vinyl liner inground pool, installed at $50,000 to $90,000 per project (CAD), per Easy Pools (Toronto, 2026). Each row in the table below names its own source, and prices are quoted before tax unless the row says otherwise.

What does an inground pool cost by shell type?

The table

This range rests on 4 independent published sources, and every row below names the one its own figure came from. Where two sources disagree they stay in the table as two rows with two labels; nothing here is an average of the two, and no range was widened to cover a gap.

Canadian dollars, researched August 2026, one named Ontario source per row. Ontario HST sits on top of every figure unless the row says otherwise.

  • Standard inground pool, what most Toronto homeowners spend

    Typical range
    $60,000–$130,000
    Unit
    per project (CAD)
    Condition
    All-in, and only once excavation, equipment, permits and basic decking are included. The same sentence puts the full Toronto market at $3,000 for a basic above-ground pool to $250,000+ for a custom concrete or indoor build.
    Source
    Easy Pools (Toronto, 2026)

  • Vinyl liner inground pool, installed

    Typical range
    $50,000–$90,000
    Unit
    per project (CAD)
    Condition
    A 12 ft x 24 ft pool, including the wall panel system, custom liner, basic equipment and aluminum coping. Decking, heating, automation and landscaping are quoted separately.
    Source
    Easy Pools (Toronto, 2026)

  • Vinyl liner pool, all-in budget with decking and landscaping

    Typical range
    $120,000–$250,000
    Unit
    per project (CAD)
    Condition
    An all-in budget, not the pool price. The same source starts vinyl shells alone at around $85,000; the gap is landscaping, decking and added features.
    Source
    Action Home Services (Ontario, 2026)

  • Fibreglass inground pool, installed (Toronto)

    Typical range
    $65,000–$120,000
    Unit
    per project (CAD)
    Condition
    'Most residential builds'. The source says larger or feature-rich shells reach $150,000 and above.
    Source
    Easy Pools (Toronto, 2026)

  • Fibreglass inground pool, installed (Ontario average)

    Typical range
    $90,000–$150,000
    Unit
    per project (CAD)
    Condition
    An Ontario-wide average, which is why it sits above the Toronto-specific fibreglass row. The same source repeats it in its FAQ as the typical fibreglass installation cost in Ontario.
    Source
    Action Home Services (Ontario, 2026)

  • Concrete or gunite inground pool, standard project

    Typical range
    $85,000–$150,000+
    Unit
    per project (CAD)
    Condition
    Standard projects only, and open-ended at the top. The source says premium custom builds with vanishing edges or elaborate water features reach $200,000+.
    Source
    Swimpool 360 (Toronto, 2026)

  • Concrete or gunite inground pool, full custom build

    Typical range
    $100,000–$220,000+
    Unit
    per project (CAD)
    Condition
    The price of full control over shape, depth and built-in features. The source says premium builds with vanishing edges, integrated spas or elaborate water features regularly exceed $200,000.
    Source
    Easy Pools (Toronto, 2026)

  • 14 ft x 28 ft pool (standard family size), installed

    Typical range
    $65,000–$110,000
    Unit
    per project (CAD)
    Condition
    The source labels this column a typical installed cost range across pool types; the spread inside it is the material, vinyl at the bottom and concrete at the top.
    Source
    Easy Pools (Toronto, 2026)

  • 16 ft x 32 ft pool (mid-size), installed

    Typical range
    $75,000–$130,000
    Unit
    per project (CAD)
    Condition
    'Roughly', and the spread is the material: the source puts vinyl at the lower end and concrete at the upper end.
    Source
    Easy Pools (Toronto, 2026)

  • Excavation and site preparation

    Typical range
    $10,000–$20,000
    Unit
    per project (CAD)
    Condition
    One line of the source's component table, not a standalone quote. It is a share of the pool build, not an add-on you can decline.
    Source
    Action Home Services (Ontario, 2026)

  • Plumbing, pump and filter package

    Typical range
    $6,000–$15,000
    Unit
    per project (CAD)
    Condition
    One line of the source's component table. The equipment package, not the pool shell, and not a separately purchasable job.
    Source
    Action Home Services (Ontario, 2026)

  • Electrical and pool lighting

    Typical range
    $4,000–$9,000
    Unit
    per project (CAD)
    Condition
    One line of the source's component table, covering the hook-up and pool lighting together.
    Source
    Action Home Services (Ontario, 2026)

  • Permits, drawings and inspections

    Typical range
    $2,000–$5,000
    Unit
    per project (CAD)
    Condition
    One line of the source's component table. This is the drawings-and-inspections package a builder charges, which is separate from the municipal permit fee itself.
    Source
    Action Home Services (Ontario, 2026)

  • Pool enclosure permit fee, Toronto

    Typical range
    $250–$500
    Unit
    per permit (CAD)
    Condition
    'Depending on complexity', and this is the pool enclosure permit, required for any pool holding 36 inches of water or more. A building permit for the pool structure itself varies by municipality, and since 2021 the source recommends a Zoning Applicable Law Certificate before applying.
    Source
    Project Landscaping (Ontario, 2026)

  • Pool deck, interlocking pavers

    Typical range
    $18–$22
    Unit
    per sq ft (CAD)
    Condition
    Installed, per square foot. The source puts a typical 400-500 sq ft paver deck at $7,200-$11,000 in total, and poured concrete decking well below this at $5-$10 per sq ft.
    Source
    Project Landscaping (Ontario, 2026)

  • Plunge pool, installed

    Typical range
    $20,000–$45,000
    Unit
    per project (CAD)
    Condition
    'Most installations', with the source noting luxury finishes push toward the top of the range.
    Source
    Easy Pools (Toronto, 2026)

  • Semi-inground pool, installed

    Typical range
    $20,000–$50,000
    Unit
    per project (CAD)
    Condition
    For a pool with roughly 1 to 3 feet of the structure above grade; the source recommends it for sloped backyards and tighter budgets.
    Source
    Easy Pools (Toronto, 2026)

  • Above-ground pool, installed

    Typical range
    $3,000–$15,000
    Unit
    per project (CAD)
    Condition
    Kit plus labour. The source splits it as $1,000-$10,000 for the kit and $1,500-$5,000 for professional installation.
    Source
    Easy Pools (Toronto, 2026)

Which of these numbers is actually big?

The bands

Each bar is one row from the table above, drawn from $0 so the lengths can be compared by eye. 14 of the 18 inground pool construction rows are drawn, on a single scale, per project (CAD), which is what almost every row here is quoted in. The widest published band on this guide is vinyl liner pool, all-in budget with decking and landscaping, at $120,000 to $250,000.

per project (CAD)14 rows, $2,000 to $250,000

  • Permits, drawings and inspections

    $2,000–$5,000

  • Above-ground pool, installed

    $3,000–$15,000

  • Electrical and pool lighting

    $4,000–$9,000

  • Plumbing, pump and filter package

    $6,000–$15,000

  • Excavation and site preparation

    $10,000–$20,000

  • Plunge pool, installed

    $20,000–$45,000

  • Semi-inground pool, installed

    $20,000–$50,000

  • Vinyl liner inground pool, installed

    $50,000–$90,000

  • Standard inground pool, what most Toronto homeowners spend

    $60,000–$130,000

  • 14 ft x 28 ft pool (standard family size), installed

    $65,000–$110,000

  • Fibreglass inground pool, installed (Toronto)

    $65,000–$120,000

  • 16 ft x 32 ft pool (mid-size), installed

    $75,000–$130,000

  • Fibreglass inground pool, installed (Ontario average)

    $90,000–$150,000

  • Vinyl liner pool, all-in budget with decking and landscaping

    $120,000–$250,000

$0$250,000

4 of the 18 rows above are not drawn, because a bar would say something the source did not.

  • Concrete or gunite inground pool, standard project $85,000–$150,000+. No closed upper figure, so the right-hand end of a bar would be invented.
  • Concrete or gunite inground pool, full custom build $100,000–$220,000+. No closed upper figure, so the right-hand end of a bar would be invented.
  • Pool enclosure permit fee, Toronto $250–$500. The only figure quoted “per permit (CAD)”, and one bar on its own axis compares nothing.
  • Pool deck, interlocking pavers $18–$22. The only figure quoted “per sq ft (CAD)”, and one bar on its own axis compares nothing.

What is actually inside a pool quote?

The scope

Two builders can quote the same backyard and mean two different jobs. The first group below is the shell alone. Everything after it is priced as its own row in the table above, which is why an all-in budget lands so far above a shell price.

The shell

The structure itself, by material. Shell type is the first line of this guide's cost factors and it sets the floor for everything else.

  • Vinyl liner, the cheapest shell in every source

    $50,000–$90,000 per project (CAD)

    A steel or polymer wall panel system, a custom-fit liner, basic equipment and aluminum coping.

  • Fibreglass, the middle of the three

    $65,000–$120,000 per project (CAD)

  • Concrete or gunite, the most expensive and the slowest

    $100,000–$220,000+ per project (CAD)

    The only one of the three that can be any shape you like.

plus

What the shell price does not include

Each of these is its own row in the table above. A quote that omits them is not cheaper, it is smaller.

  • Excavation and site preparation

    $10,000–$20,000 per project (CAD)

    Tight urban lots push this up.

  • Plumbing, pump and filter package

    $6,000–$15,000 per project (CAD)

  • Electrical and pool lighting

    $4,000–$9,000 per project (CAD)

  • Deck, in interlocking pavers

    $18–$22 per sq ft (CAD)

    Priced by the square foot, so the deck area decides this line, not the pool size.

and before either

What Toronto puts first

Not a cost decision. Municipal Code Chapter 447 puts the enclosure permit before the excavation, and the pool stays empty until it passes.

  • Permits, drawings and inspections

    $2,000–$5,000 per project (CAD)

  • Toronto pool fence enclosure permit

    $250–$500 per permit (CAD)

    An approved Zoning Certificate has to come before the permit itself.

  • No digging before the permit, no water before the inspection

    The City's own wording, quoted in the Ontario section of this guide.

Built from the price rows above and their conditions, plus this guide's own cost factors and Ontario notes. Every figure shown is read from the row named beside it, not retyped.

What drives the price?

Variables

Size, access and what has to be rebuilt to reach the pool move a inground pool construction quote more than anything else in Toronto. Each line below is one of those variables, with the published figure that shows how far it moves the total.

  • Shell type: vinyl liner is the cheapest in every source, fibreglass sits in the middle, concrete and gunite is the most expensive at $500 to $900 per square foot per Action Home Services
  • Pool size: Easy Pools prices a 12 ft x 24 ft at $50,000 to $80,000 rising to $100,000 to $180,000 and up for 20 ft x 40 ft and larger
  • Site access and excavation: excavation and site prep alone runs $10,000 to $20,000 (Action Home Services), and tight urban lots push it up
  • Decking and coping: $8,000 to $30,000 beyond the basic apron (Swimpool 360)
  • Landscaping and fencing: landscaping $5,000 to $30,000 and up, fence or enclosure $3,000 to $15,000 (Swimpool 360)
  • Heating: gas heater $1,500 to $6,000 installed, heat pump $2,000 to $7,000 installed (Easy Pools)
  • Automation, lighting and water features: automation $2,000 to $10,000, LED lighting $1,500 to $3,000, water features $800 to $2,000 each (Easy Pools)
  • Permits and drawings: $2,000 to $5,000 for the full package per Action Home Services, on top of the $198.59 Toronto pool fence enclosure permit

What's specific to Ontario and Toronto?

Local rules

Ontario adds 13 percent HST on top of every quote, Toronto requires a pool fence enclosure permit before anyone digs, and the freeze-thaw cycle decides what survives the winter. Those three are what a national price guide leaves out.

  • In Toronto you cannot dig first and sort the fence out later. City of Toronto Municipal Code Chapter 447, section 447-1.3B(1), states that 'No person shall excavate for or erect, or cause or permit excavation for or erection of, a swimming pool without first obtaining a permit from the Executive Director for a swimming pool enclosure for the proposed pool.'
  • The City of Toronto's own 311 guidance is explicit that the pool stays empty until it passes: 'You cannot fill a swimming pool with water or permit water to collect or remain in a swimming pool until the City has conducted an inspection and confirmed the completion of a permanent swimming pool enclosure that fully complies with the bylaw.'
  • The City of Toronto fee for a pool fence enclosure permit is $198.59 per application, listed under Building Permission and Information in Municipal Code Chapter 441, Fees and Charges. Toronto also requires an approved Zoning Certificate before the pool fence enclosure permit can be issued.
  • Permit costs vary by municipality across the GTA. Project Landscaping lists Toronto at $250 to $500, Mississauga at $300 to $450 plus a $1,000 refundable deposit, Markham at $300 to $475, Richmond Hill at $275 to $450, Vaughan and Oakville at $250 to $400, and Burlington and Newmarket at $200 to $350.
  • Action Home Services notes that in most Ontario municipalities a building permit is mandatory for pool installations deeper than 24 inches, and that permit submissions typically need a site plan, setback details, fencing or enclosure plans, and drainage and water discharge plans.
  • Ontario HST is 13 percent. None of the Toronto pool build guides we checked state whether their figures include it, so confirm HST treatment in writing before comparing two quotes.
  • Southern Ontario winters set the maintenance calendar. Easy Pools puts total annual ownership at $1,500 to $4,000 a year, including a spring opening at $150 to $350 and a fall closing at $200 to $450.

How can I pay less?

Levers

The biggest saving is almost always timing and bundling rather than choosing a cheaper material. Each lever below is tied to a published figure from the table, so you can see what it is actually worth before deciding it is worth doing.

  • Compare quotes line by line rather than on the bottom number. Ask every builder to price excavation, shell, plumbing, electrical, permits and decking separately, using the Action Home Services breakdown as your checklist.
  • Consider a smaller format. A semi-inground build at $20,000 to $50,000 or a plunge pool at $20,000 to $45,000 (Easy Pools) is a fraction of a full concrete build at $100,000 and up.
  • Vinyl liner is the cheapest way into an inground pool, but budget for replacement. Easy Pools says liners need replacing every 7 to 12 years at $4,000 to $7,000, so build that into your comparison against fibreglass.
  • Phase the project. Decking at $8,000 to $30,000 and landscaping at $5,000 to $30,000 and up (Swimpool 360) can be done in a later season without affecting the pool itself.
  • Get the enclosure permit sorted before excavation. Toronto Municipal Code Chapter 447 requires the permit before you dig, and the City will not let you fill the pool until the enclosure passes inspection, so a permit delay costs you a swimming season.
  • Ask about a variable-speed pump at build time. GBI Pools reports Ontario owners save $300 to $500 per year on hydro against a single-speed pump, which can cost over $1,000 in electricity each summer in Ontario.

How did we research these numbers?

Provenance

Every figure above was re-read in the document it is attributed to, and the exact sentence carrying it is recorded against the row. Where a number could not be found in the source it named, the row came out rather than the number being adjusted to fit. Here is what PoolBuilderIndex found across the 4 sources.

  • GTA sources disagree sharply on what an inground pool costs, and the gap is real rather than a rounding difference. Easy Pools puts a vinyl liner build at $50,000 to $90,000 and Swimpool 360 at $50,000 to $80,000, while Action Home Services says vinyl 'starts around $85,000' and quotes a regional 2026 range for Toronto and the GTA of $90,000 to $350,000. Treat the low end as a shell-and-basics number and the high end as a finished backyard.
  • The single largest driver of the spread is what the quote includes. Action Home Services breaks a build into excavation and site prep $10,000 to $20,000, the shell itself $40,000 to $200,000, plumbing and filtration $6,000 to $15,000, electrical and lighting $4,000 to $9,000, permits and drawings $2,000 to $5,000, and cover, heater and accessories $4,000 to $15,000. A quote missing two or three of those lines will always look cheaper.
  • Concrete is the most expensive route in every source we checked. Swimpool 360 puts concrete and gunite at $85,000 to $150,000 and up, Easy Pools at $100,000 to $220,000 and up, and Project Landscaping at $100,000 to $150,000 for a basic build rising to $200,000 to $250,000 and up for luxury work.
  • Action Home Services quotes cost per square foot of water surface at $220 to $340 for vinyl liner, $230 to $380 for fibreglass and $500 to $900 for concrete. That is a useful sanity check when comparing two quotes for different pool sizes.
  • Landscaping and decking are usually quoted separately and are not small. Swimpool 360 lists deck and coping beyond the basic apron at $8,000 to $30,000 and landscaping at $5,000 to $30,000 and up. Project Landscaping prices a typical 400 to 500 sq ft pool deck at $7,200 to $11,000.
  • Two Toronto sources put the resale value a pool adds at $30,000 to $50,000, which Easy Pools describes as roughly 40 to 60 percent of installation cost. A pool is not a break-even renovation in the GTA.
  • Smaller formats are a real option if budget is the constraint. Easy Pools prices semi-inground builds at $20,000 to $50,000 and plunge pools at $20,000 to $45,000, and Action Home Services puts plunge pools at $60,000 to $80,000, so quote both formats before assuming a full inground pool is the only choice.

Sources

Who can do the work?

The shortlist/3 of 197 shown

PoolBuilderIndex tracks 197 pool builders across the Greater Toronto Area, rated 4.59★ on average. The three below rank highest on our published score, based on PoolBuilderIndex's analysis of 197 GTA businesses, August 2026.

  • Action Home Services, photographed at its own listing

    Action Home Services

    4.8★ rating · 349 Google reviews

    84/100 score

    Markham · Pool Builders

    Monday: Open 24 hours

    • Says it is insured
    • Says it carries WSIB coverage
    Request a quote
See all 197 pool builders on PoolBuilderIndex

Who else does this work, in their own pictures?

Their own photographs/ranks 4 to 9 of 197

Not stock photography, and not ours: every picture below was taken by the company named on it and carries whatever that company chose to photograph, which for some is a finished backyard and for others is the vans. These are the next 6 pool builders down the same ranking as the shortlist above, carrying 30 pictures between them, and the largest tile belongs to whichever of the six has the most on file here: Stone Landscaping & Pools, with 6. Open one for the rest of that company’s pictures, its hours and its number.

See every pool builder company and its own photographs

What will it cost for my own pool?

Calculators

Put your own dimensions in and these work it out from the same researched figures as the table above. Every answer shows the arithmetic and names the source it multiplied, so you can check it rather than take it.

What do these trade terms mean?

Definitions

These are the words a quote for inground pool construction will use without explaining them. Each one below is defined as this page uses it, so a line on an estimate can be read for what it is rather than guessed at.

Gunite
Concrete sprayed under pressure onto a steel reinforcing cage to form a pool shell on site. It is what makes a fully custom shape possible, and it is the slowest and most expensive of the three shell types.
Coping
The capping course of stone, concrete or porcelain that finishes the top edge of the pool wall where it meets the deck. Replacing it is a separate job from replacing the deck around it.
Vinyl liner
A custom-cut waterproof membrane held against a steel or polymer wall panel system by the water behind it. It is the surface, not the structure, and it is a wear part with a life measured in years rather than decades.
Pool enclosure
In Ontario law, the barrier that stops a child reaching the water: the fence, its gates and their latches. Toronto issues a pool fence enclosure permit for it, and the pool cannot be filled until an inspection confirms it complies.
Opening and closing
The two visits that bracket an Ontario pool season: removing the winter cover, refilling and rebalancing the water and starting the equipment in spring, then winterising and covering it in autumn. They are quoted as separate lines from weekly service, and often as a package of the two.

What should I read next?

Related guides

A pool is rarely one decision. These are the PoolBuilderIndex guides that price the jobs sitting either side of this one, and the head-to-head pages for the choices that change the number most.

Frequently asked questions

How much does an inground pool cost in Toronto in 2026?

Easy Pools reports that most Toronto homeowners installing a standard inground pool spend $60,000 to $130,000. The range by shell type is roughly $50,000 to $90,000 for vinyl liner, $65,000 to $120,000 for fibreglass and $100,000 to $220,000 and up for concrete. Action Home Services quotes higher numbers for the same work, starting vinyl around $85,000 and putting the full Toronto and GTA range at $90,000 to $350,000, so get several quotes before setting a budget.

Which pool type is cheapest in the GTA, vinyl, fibreglass or concrete?

Vinyl liner is cheapest in every Ontario source we checked. Easy Pools prices vinyl at $50,000 to $90,000, fibreglass at $65,000 to $120,000 and concrete at $100,000 to $220,000 and up. Measured per square foot of water surface, Action Home Services quotes $220 to $340 for vinyl, $230 to $380 for fibreglass and $500 to $900 for concrete. Vinyl's trade-off is liner replacement every 7 to 12 years at $4,000 to $7,000.

Do I need a permit to build a pool in Toronto?

Yes. City of Toronto Municipal Code Chapter 447 says no person shall excavate for or erect a swimming pool without first obtaining a pool fence enclosure permit, and Toronto requires an approved Zoning Certificate before that permit is issued. The permit fee is $198.59 per application under Municipal Code Chapter 441. The City is also clear that you cannot fill the pool until an inspection confirms a compliant permanent enclosure.

What is not included in a typical Toronto pool quote?

Usually the backyard around the pool. Swimpool 360 lists deck and coping beyond the basic apron at $8,000 to $30,000, landscaping at $5,000 to $30,000 and up, fencing at $3,000 to $15,000, a heater at $3,000 to $10,000 installed and a cover at $1,500 to $8,000, all as separate line items. Action Home Services separately budgets $2,000 to $5,000 for permits, drawings and inspections.

How much does a pool cost to run each year in Ontario?

Easy Pools puts total annual ownership at $1,500 to $4,000, made up of a spring opening at $150 to $350, a fall closing at $200 to $450, chemicals and water care at $500 to $1,200, and electricity and gas at roughly $1,200 to $2,800. Project Landscaping breaks annual maintenance out by shell type: $1,300 to $2,000 for vinyl, $800 to $1,500 for fibreglass and $2,000 to $3,500 for concrete.

Does a pool add value to a Toronto home?

Less than it costs. Both Swimpool 360 and Easy Pools put the resale value added at $30,000 to $50,000, which Easy Pools describes as roughly 40 to 60 percent of installation cost. On a $100,000 build that is a net loss on paper, so treat a pool as something you buy to use rather than as an investment.

Is a plunge pool or semi-inground pool much cheaper?

Yes. Easy Pools prices a plunge pool at $20,000 to $45,000 and a semi-inground pool at $20,000 to $50,000, against $60,000 to $130,000 for a standard inground build. Action Home Services quotes plunge pools higher, at $60,000 to $80,000, so the saving depends on the builder and the finish level you choose.

Questions to ask your contractor

  • Are you quoting concrete, fibreglass or vinyl liner, and why that one for this yard? Compare what each build type costs
  • Who pulls the enclosure permit and who is responsible if the fence fails inspection?
  • What is excluded from this price: deck, fence, electrical, gas, restoring the yard afterwards? See the line items quotes leave out
  • How will the machine reach the backyard, and what gets removed or rebuilt to get it there?
  • What is the payment schedule, and what triggers each stage?
  • Which crews are yours and which are subcontracted, and who is on site daily?

Put three GTA quotes for inground pool construction side by side

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