How the cost is worked out
Filling a pool from the tap is simple arithmetic:
Cost = gallons ÷ 1,000 × (water rate + sewer rate)
Both rates come from your water bill. If your bill shows prices per CCF or HCF (100 cubic feet), that’s 748 gallons, and the calculator converts it for you.
For a delivery truck, the cost is the number of loads, rounded up, times the price per load. Haulers charge per trip, so a pool that needs 3.2 loads pays for 4.
| Pool | Gallons | Water only at $7.74 / 1,000 gal | Water + sewer at $16.83 / 1,000 gal |
|---|---|---|---|
| 15 ft round above-ground, 4 ft deep | about 5,300 | about $41 | about $89 |
| 16 × 32 ft inground, 4.5 ft average | about 17,200 | about $133 | about $290 |
| 20 × 40 ft inground, 5 ft average | about 29,900 | about $232 | about $504 |
The table uses the EPA WaterSense national averages. Real rates range from far below to far above these, so use your own bill for a number you can budget on.
Reading your water bill
Look for two usage charges, not the fixed monthly fee:
- Water (sometimes “consumption” or “commodity”), priced per 1,000 gallons, per CCF, or per HCF.
- Sewer or wastewater, usually priced the same way and often higher than the water charge.
If your utility uses tiers, the first gallons in a billing period are cheaper and the last ones dearer. A pool fill lands mostly in the top tiers, so use the highest tier you’ll reach for a realistic estimate.
Ask about a sewer credit first
Pool water never goes down the drain, but a single meter can’t tell the difference. Some utilities will waive or credit the sewer charge for a pool fill if you call before you start, and some offer a separate meter for outdoor water. At the national average rates, sewer is a little over half the cost, so a five-minute call can roughly halve the bill.
How long it takes
Fill time depends almost entirely on your hose’s flow rate, and that varies with water pressure, hose diameter and length. The guide to how long it takes to fill a pool has times by pool size. To measure your own flow:
- Open the outdoor tap fully with the hose attached.
- Time how many seconds it takes to fill a 5-gallon bucket.
- Enter that time in the calculator. Thirty seconds is 10 gallons a minute; sixty seconds is 5.
Hours = gallons ÷ (gallons per minute × number of hoses) ÷ 60
A second hose only helps if it runs from a different tap with its own pressure. Two hoses split from one spigot share the same flow. Running other taps, a dishwasher or a sprinkler system at the same time slows the fill, so check on it regularly and don’t leave it running overnight without a plan to shut it off.
Delivery truck or hose?
A water hauler fills a pool in hours instead of days, which matters when the pool is empty in hot weather, when a liner needs water to hold its shape, or when you’re on a well. It almost always costs more than city water. Get the price per load and the load size in writing, check that the water is potable, and make sure the truck can reach your yard without crossing a septic field or soft lawn. The pool water delivery guide covers typical prices, how many truckloads your pool needs and what to ask a hauler.
Filling from a well
Well water costs only the electricity to run the pump, but filling a pool can mean running the well for a day or more. Ask a well contractor whether yours can sustain it, or fill in stages so the well can recover. Well water often carries iron, copper or manganese, which can stain surfaces or turn the water green or brown when you add chlorine. Test for metals before you balance the water; the cloudy pool guide explains what metals look like.
Topping up after a partial drain
Switch the calculator to “Topping up” and enter your surface area and the inches you need to add. Each inch over a 16 × 32 ft pool is about 320 gallons. If you’re refilling after draining to lower stabilizer or calcium, the CYA guide explains how much to drain. If you keep topping up more than you expect, the pool water loss calculator turns the drop into gallons a day and walks you through a bucket test for leaks.
After the pool is full
Fresh fill water is rarely balanced. Test free chlorine, pH, alkalinity, calcium and stabilizer, then follow the pool opening planner to bring each into range in the right order.
Assumptions and limitations
- Uses a flat rate per 1,000 gallons (or per CCF). Tiered rates, fixed monthly charges and drought surcharges are not included.
- The pre-filled rates are national averages from EPA WaterSense, not your utility's prices. Replace them with the rates on your bill.
- Delivery cost needs your hauler's own load size and price; the calculator does not assume either.
- Fill time assumes the hose flow you measured stays steady; pressure often drops when other taps are in use.
Common questions
How much does it cost to fill a pool?
Multiply your pool's gallons by your water rate per 1,000 gallons, then add the sewer rate if your utility charges it on this water. At the EPA WaterSense national averages ($7.74 water and $9.09 sewer per 1,000 gallons), a 20,000-gallon pool costs about $155 in water, or about $337 if sewer is charged too. Your own rates can be much higher or lower.
How long does it take to fill a pool with a garden hose?
Gallons divided by your hose's flow in gallons per minute gives the minutes. Time how long a 5-gallon bucket takes to fill to find your flow. For example, if the bucket takes 30 seconds, the hose delivers 10 gallons a minute, and a 15,000-gallon pool takes about 25 hours.
Do I pay sewer charges on water used to fill a pool?
Often, yes. Many utilities bill sewer on every gallon that goes through the meter, even though pool water never reaches the sewer. Some offer a credit or adjustment for a pool fill if you call before you start, so it's worth asking.
Is a water delivery truck cheaper than the hose?
Rarely, but it is much faster and it saves a well from running for days. Haulers price by the load or by the gallon, so enter your quote in delivery mode and compare it with the tap cost.
Sources and methodology references
- Data and Information Used by WaterSense, US Environmental Protection Agency (WaterSense)National average residential costs per 1,000 gallons, $7.74 water and $9.09 wastewater, based on AWWA rate surveys (the default rates in this calculator).
- NIST Special Publication 811: unit conversion factors, National Institute of Standards and Technology1 cubic foot = 7.4805 US gallons, so 1 CCF (100 cubic feet) = 748.05 gallons.
Estimates for homeowners, not professional advice. See how our calculators work. Published October 10, 2026.
Spotted a wrong result or an outdated source? Report a problem with this calculator.
Related tools
- Pool volume calculatorA pool gallons calculator and pool size calculator in one: pick your shape, enter a few tape-measure readings and see how many gallons, liters and cubic meters your pool holds.
- Pool surface area calculatorGet your pool's water surface area in square feet, the number heater sizing and cover sizes are based on.
- Pool opening plannerTurn your first test of the season into an ordered start-up checklist with balancing and chlorine doses filled in.
- Above ground pool gallonsFind how many gallons a round or oval above-ground pool holds from its size and wall height, or read it from the chart.
Related guides
- How Long Does It Take to Fill a Pool? Hose Times by Pool SizeHow long it takes to fill a pool depends on gallons and your hose's flow. Measure your flow with a bucket, then use the table to see hours for your pool size.Read the guide (5 min)
- Pool Water Delivery Cost: What a Water Truck Charges to Fill a PoolPool water delivery usually costs about $30 to $100 per 1,000 gallons. See how many truckloads your pool needs, what drives the price and what to ask a hauler.Read the guide (5 min)
- Filling a Pool With Well Water: Test, Treat and Fill Without StainsCan you fill a pool with well water? Usually, yes. Test it for metals and hardness first, fill in stages so the well keeps up, and treat before adding chlorine.Read the guide (6 min)
- How to Winterize an Above Ground Pool, Step by StepHow to winterize an above ground pool: when to close, how far to lower the water, what to do with the pump and hoses, and how to use an air pillow.Read the guide (7 min)
