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Pool Type Selection Guide

Which Pool Type Is Right for Your Home? Fibreglass vs Concrete vs Vinyl Australia

Compare fibreglass, concrete, and vinyl liner pools. A practical guide to choosing the right pool type for your budget, timeline, and backyard in Australia.

The Wombat Team
Guide

General information for Australian homeowners - not professional, legal or safety advice. Requirements vary by state and territory. How these guides are written

Which Pool Type Is Right for Your Home? Fibreglass vs Concrete vs Vinyl Australia guide image
Quick Answer 14 min read

Choosing the Right Pool Type Quick Answer Australia

Fibreglass suits many Australian homeowners because it balances upfront cost, fast installation, and low maintenance. Choose concrete if you want a fully custom or luxury design and can accommodate higher ongoing maintenance. Choose vinyl liner when upfront budget is the main constraint and periodic liner replacement is acceptable.

Fibreglass (most homeowners)

Fastest installation, smooth non-porous shell, typically the lowest ongoing maintenance.

Concrete (luxury / custom)

Unlimited shapes and finishes, longest build time, higher ongoing upkeep.

Vinyl liner (budget)

Lowest upfront cost, but the liner is a wear item that needs periodic replacement.

Plunge / compact pools

Fibreglass shells from around 2m x 4m suit small yards.

Which Pool Type Should You Choose for Your Home and Budget?

Not sure which pool type is right for you? Start here:

Choose Fibreglass If:

  • ✓ You want the fastest installation (typically a few weeks)
  • ✓ You want mid-range upfront cost with low ongoing costs
  • ✓ You like one of the pre-made designs
  • ✓ Low maintenance is a priority
  • ✓ You have good site access for a crane
  • ✓ Standard shapes and depths work for you

Best for: Fast installation, low maintenance, standard designs

Choose Concrete If:

  • ✓ You want a fully custom design
  • ✓ Your budget stretches to a premium build
  • ✓ You can wait several months for construction
  • ✓ You want unique features (infinity edge, etc.)
  • ✓ A premium, tailored result matters to you
  • ✓ You're okay with higher maintenance

Best for: Custom designs, luxury features, maximum flexibility

Choose Vinyl Liner If:

  • ✓ Upfront budget is your main constraint
  • ✓ You want some shape customisation
  • ✓ A mid-length installation timeline works for you
  • ✓ You're in a moderate climate (not extreme heat)
  • ✓ You're okay replacing the liner periodically
  • ✓ Fibreglass/concrete are too expensive

Best for: Budget-conscious, moderate customisation, upfront savings

Fibreglass vs Concrete vs Vinyl: Complete Pool Type Comparison Australia

Feature Fibreglass Concrete Vinyl Liner
Upfront Cost Mid-range Typically the highest Typically the lowest
Installation Time Fastest (typically a few weeks) Slowest (typically several months) Mid-range (typically 1-2 months)
Lifespan Long-lived shell Typically the longest-lived structure Durable structure; liner is the wear item
Surface Renewal Gelcoat may need refinishing late in life Needs periodic resurfacing Liner needs periodic replacement
Ongoing Costs Typically the lowest Typically the highest Moderate, plus liner replacement
Maintenance Difficulty Easy High Moderate
Customization Pre-made shapes Unlimited Moderate
Durability Excellent Excellent Good
Algae Resistance Excellent Poor Good
Saltwater Compatible Ideal Yes Yes
Typical Major Repair Gelcoat refinishing Interior resurfacing Liner replacement

Long-Term Cost of Ownership: How Each Pool Type Behaves Over Time

The cheapest pool upfront isn't always the cheapest long-term. Each pool type has a different ongoing cost profile:

Fibreglass Pool

  • Ongoing costs: Typically the lowest of the three - the non-porous shell needs fewer chemicals and less cleaning time.
  • Surface renewal: No regular resurfacing schedule; the gelcoat may need refinishing late in the pool's life.
  • Budget for: Routine servicing, equipment upkeep, and eventual gelcoat wear.

✓ Lowest ongoing maintenance burden

Concrete Pool

  • Ongoing costs: Typically the highest - the porous surface needs more chemicals, more brushing, and periodic acid washing.
  • Surface renewal: Interior resurfacing is a recurring major expense over the pool's life.
  • Budget for: Higher chemical use, professional servicing, and resurfacing when the interior wears.

Highest ongoing commitment - factor it in before choosing

Vinyl Liner Pool

  • Ongoing costs: Moderate - the smooth liner keeps chemical use reasonable, but the liner itself is a wear item.
  • Surface renewal: Liner replacement recurs over the pool's life and is the main long-term expense.
  • Budget for: Careful liner handling, repairs from punctures, and periodic replacement.

✓ Lower upfront cost, recurring liner expense

How to Compare Long-Term Costs Across Quotes

Fibreglass generally carries the lowest ongoing costs, concrete the highest, and vinyl sits in between once liner replacement is factored in. The actual numbers depend on your pool size, equipment, climate, and water chemistry - which is why published dollar figures rarely match real ownership costs.

When comparing quotes, ask each builder for an itemised estimate of annual running costs (chemicals, energy, servicing) and the expected timing and cost of surface renewal for that pool type - then compare like for like.

Key Factors to Consider: Budget, Timeline, Site Access & Maintenance Australia

1. Budget (Total Cost of Ownership)

Don't just consider upfront costs - factor in lifetime maintenance, resurfacing, and ongoing chemical/energy expenses.

Fibreglass: Lower Lifetime Cost

  • Upfront: Mid-range
  • Ongoing: Lowest chemical and cleaning costs
  • Surface renewal: Gelcoat refinish late in life
  • Cost profile: Typically the lowest lifetime cost

Concrete: Highest Lifetime Cost

  • Upfront: Typically the highest
  • Ongoing: Most chemicals, brushing and servicing
  • Surface renewal: Periodic resurfacing
  • Cost profile: Typically the highest lifetime cost

Vinyl: Moderate Lifetime Cost

  • Upfront: Typically the lowest
  • Ongoing: Moderate chemical and cleaning costs
  • Surface renewal: Recurring liner replacement
  • Cost profile: Liner replacements narrow the upfront saving

2. Installation Timeline

How quickly do you need the pool ready? Summer deadlines, events, or seasonal considerations matter.

Fastest:
Fibreglass - Shell arrives pre-made. Excavation → Placement → Plumbing → Backfill → Decking. Typically swimming within a few weeks.
Mid-range:
Vinyl Liner - Build framework → Install plumbing → Fit liner → Fill. Typically one to two months.
Slowest:
Concrete - Excavation → Steel → Shotcrete → Curing → Tiling → Rendering → Equipment. Typically several months; weather delays common.

Summer Deadline? As a rough rule, if you want to swim by December, order fibreglass in spring but commit to concrete by late winter. Concrete timelines are the least predictable - confirm dates with your builder.

3. Customization & Design Flexibility

Fibreglass: Pre-Made Designs

Choose from 50-200+ factory moulds. Common shapes: rectangles, kidney, freeform, lap pools.

  • ✓ Sizes: 3m-10m long typically
  • ✓ Depths: 1.0m-1.8m standard
  • ✓ Built-in steps, benches, swim-outs
  • ✗ Can't modify mould dimensions
  • ✗ Limited color options (white, blue, grey)

Concrete: Unlimited Custom

Any shape, size, depth, or feature imaginable. Only limit is budget and site constraints.

  • ✓ Infinity edges, vanishing edges
  • ✓ Beach entries, rock features
  • ✓ Swim-up bars, grottos, waterfalls
  • ✓ Any depth (even 3m+ for diving)
  • ✓ Custom tiles, mosaics, finishes

Vinyl: Moderate Custom

Custom shapes possible, but simpler designs work best. Framework built on-site, then liner fitted.

  • ✓ Custom rectangles, ovals, L-shapes
  • ✓ Variable depths (shallow-deep ends)
  • ✓ Steps, benches can be added
  • ✗ Complex curves difficult
  • ✗ Sharp angles cause liner wrinkles

4. Maintenance Requirements

Fibreglass: Easiest

Non-porous gelcoat surface resists algae and typically needs noticeably fewer chemicals than concrete.

  • • Weekly: Test water (15 min), skim/vacuum (30 min), backwash filter (10 min)
  • • Monthly: Check equipment, deep clean filter
  • • Annually: Professional service
  • Total: 1-2 hours/week

Vinyl Liner: Moderate

Smooth surface resists algae, but liner is delicate. Avoid sharp objects, pets' claws, pool toys with metal.

  • • Weekly: Test water (15 min), vacuum gently (45 min), brush steps (15 min)
  • • Monthly: Inspect liner for tears, check water level
  • • Periodically: Replace liner when worn
  • Total: 2-3 hours/week

Concrete: Most Intensive

Porous surface harbors algae. Requires frequent brushing, more chemicals, regular acid washing.

  • • Weekly: Test water (20 min), brush walls/floor (60 min), vacuum (30 min), backwash (15 min)
  • • Periodically: Acid wash
  • • Longer term: Resurface interior
  • Total: 3-4 hours/week, or pay for professional servicing

5. Site Conditions & Access

Fibreglass Requirements:

  • Crane access required: Clear overhead path for crane to lift shell over house/fences
  • No overhead power lines in crane swing path
  • Stable soil: Not suitable for highly reactive clay without soil stabilization
  • Size limitations: Largest shells ~10m × 4.5m

Concrete Flexibility:

  • No crane needed: Built on-site with shotcrete/gunite
  • Works on slopes: Can build pools on hills, terraced yards
  • Fits tight spaces: Only need excavator access (1.5m+ width)
  • No size limits: Can build Olympic-sized pools, plunge pools, anything

Always get a professional site inspection before deciding on pool type. Soil testing, access assessment, and slope measurement can eliminate unsuitable options early and avoid costly mistakes.

Choosing a Pool Type for Your Climate: Sydney, Melbourne, Brisbane, Perth

Your location significantly impacts which pool type performs best. Here's what works in each Australian climate:

Queensland & Northern NSW

Tropical/Subtropical • Year-round swimming

Climate Characteristics:

  • • High UV year-round (destroys chlorine fast)
  • • Hot summers (35-45°C)
  • • High humidity accelerates algae growth
  • • Pool used 10-12 months per year

Suitable Pool Types:

  • Fibreglass (strong fit): Smooth surface resists algae in humid climates. Lower chemical use in high-UV conditions.
  • Concrete: Good for luxury installations. Budget extra for frequent maintenance due to heat/UV.
  • Vinyl: UV degrades liners faster, bringing replacement forward. Higher replacement frequency.

Sydney & Coastal NSW/VIC

Temperate • 6-8 month swim season

Climate Characteristics:

  • • Mild summers, cool winters
  • • Moderate UV exposure
  • • Pool heating recommended for year-round use
  • • Less chemical usage than QLD

Suitable Pool Types:

  • All types work well. Fibreglass still leads for value. Concrete good for heated pools (better insulation).
  • Popular choice: Fibreglass is a common pick in Sydney metro due to fast installation and low maintenance.

Melbourne & Southern VIC/SA

Cool Temperate • 4-6 month swim season

Climate Characteristics:

  • • Cool winters (pool heating essential)
  • • Variable summer weather
  • • Lower UV than northern states
  • • Many pools only used summer months

Suitable Pool Types:

  • Concrete (Best for heated): Superior insulation retains heat better. Ideal for year-round swimming.
  • Fibreglass: Great for summer-only use. Lower maintenance costs offset by shorter swim season.
  • Vinyl: Liner can become brittle in cold water. Not recommended for Melbourne.

Perth & Western Australia

Mediterranean • 8-10 month swim season

Climate Characteristics:

  • • Extreme heat in summer (40°C+)
  • • Very high UV exposure
  • • Low humidity (slower algae growth)
  • • Extended swim season

Suitable Pool Types:

  • Fibreglass (strong fit): Light colours reflect heat. Lower chemical use in high-UV. A very common choice in Perth.
  • Concrete: Good with quality finishes. Budget for acid washing due to water hardness.
  • Vinyl: UV damage accelerates liner aging, so replacement comes around sooner than in cooler climates.

Common Pool Type Selection Mistakes: Avoid These Costly Errors Australia

1. Choosing Based on Upfront Cost Alone

Vinyl pools seem cheapest upfront, but recurring liner replacements plus maintenance can exceed fibreglass total cost over the life of the pool. Always think in long-term ownership costs, not just the installed price.

2. Not Checking Crane Access for Fibreglass

Ordering a fibreglass pool then discovering crane can't access your backyard (power lines, narrow access, trees) means cancellation fees or expensive workarounds. Get site inspection BEFORE ordering.

3. Underestimating Concrete Maintenance

Many homeowners choose concrete for aesthetics, then get shocked by hours of weekly brushing, periodic acid washing, and recurring resurfacing costs. Factor in the ongoing commitment.

4. Choosing Vinyl in Extreme Climates

Vinyl liners deteriorate faster in harsh Australian sun (QLD, NT). UV damage, fading, and brittleness can significantly shorten liner life. Fibreglass handles heat better.

5. Ignoring Soil Type

Reactive clay soils (common in Melbourne, Adelaide, parts of Sydney) cause ground movement that can crack vinyl liners or shift fibreglass shells. Soil testing identifies if expensive pier/slab foundations are needed.

6. Choosing Concrete for Fast Timelines

Concrete pools take 12-24 weeks minimum. Homeowners expecting "done by summer" often disappointed when rain delays, curing time, and contractor schedules push completion 4-6 months out.

7. Not Considering Future Resale

Unusual custom concrete shapes or very small pools (<4m) appeal to current owners but limit buyer appeal. Old vinyl liners (wrinkled, faded) work against you at sale time. Choose with resale in mind.

8. Choosing Fibreglass When You Want Deep End

Most fibreglass pools max out at 1.8m-2.0m deep. If you want diving (2.4m+) or a deep therapy pool, you need concrete or custom vinyl. Don't compromise on your primary use case.

9. Not Factoring in Pets

Dogs' claws can puncture vinyl liners, and repairs add up. If pets will use the pool, fibreglass or concrete are more durable. Alternatively, install pool stairs/ramps specifically for pets.

10. Choosing Based on Neighbors' Pool

Your neighbor's fibreglass pool might look great, but their site access, budget, timeline, and maintenance tolerance differ from yours. Evaluate YOUR specific needs, not what worked for someone else.

Pool Warranty & Lifespan: What to Check for Each Pool Type

Fibreglass Pools

Structural Warranty:

Typically the longest on offer

Check shell integrity and osmosis protection coverage

Surface Warranty:

Shorter than structural

Gelcoat finish, colour fading

Expected Lifespan:

Decades with proper care

Gelcoat may need polishing or refinishing later in the pool's life

Concrete Pools

Structural Warranty:

Often shorter than expected

Check what it covers: shell, waterproofing, leaks

Surface Warranty:

Usually very limited

Plaster/render coverage is typically brief - read the terms

Expected Lifespan:

Typically the longest-lived structure

Shell can last generations, but the interior needs periodic resurfacing

Vinyl Liner Pools

Structural Warranty:

Moderate

Framework, panels, structure

Liner Warranty:

Usually prorated

Prorated = coverage decreases each year - read the schedule

Expected Lifespan:

Structure lasts decades

The liner is the wear item and needs periodic replacement

Warranty Fine Print You Need to Know:

  • Prorated warranties can be worth far less than they sound. A long prorated liner warranty may only cover a small fraction of replacement cost in its later years. Always read the proration schedule.
  • Water chemistry voids most warranties. Maintaining correct pH/chlorine levels is YOUR responsibility. Even a short period of improper balance can void a long warranty.
  • Professional installation required. DIY or unlicensed installers void all manufacturer warranties. Use licensed builders only.
  • Annual professional inspections recommended. Helps catch issues before warranty expires and provides documentation for claims.

Pools and Resale: What Actually Drives a Pool's Contribution at Sale Time

There is no reliable dollar figure for what a pool adds to a home - be wary of anyone quoting one. What a pool contributes at sale time depends on:

  • Your suburb's price ceiling: a premium custom pool makes more sense where surrounding home values support it.
  • The buyer profile in your area: family suburbs with long swim seasons tend to value pools more; in cooler regions some buyers see a pool as a maintenance burden.
  • Condition and compliance at sale: a clean, well-maintained, safety-compliant pool presents well; a tired one can count against the home.
  • Fit with the rest of the home: the pool should match the property's overall standard, not outclass or undercut it.
  • Local agent advice: if resale is a big factor in your decision, ask an agent who sells in your suburb what buyers actually respond to.

What Helps and Hurts at Sale Time:

What Helps:

  • ✓ Well-maintained, modern-looking pool
  • ✓ Safety-compliant fencing (AS1926)
  • ✓ Quality landscaping around pool
  • ✓ Heating that extends the swim season
  • ✓ Automated cleaning/chlorination

What Hurts:

  • ✗ Cracked or stained surfaces
  • ✗ Non-compliant fencing
  • ✗ Green/cloudy water at inspection
  • ✗ Dated vinyl liner design
  • ✗ Visible equipment/pipes

Environmental Impact by Pool Type: Water, Energy & Chemical Usage Australia

Fibreglass

Most Eco-Friendly

Water Usage:

Lowest evaporation of the three thanks to the smooth surface.

Energy Usage:

Less pump runtime typically needed due to efficient filtration.

Chemicals:

Noticeably less chlorine/acid needed. Non-porous surface resists algae.

Concrete

Highest Impact

Water Usage:

Highest evaporation. Porous surface loses water, and acid washing uses significant extra water.

Energy Usage:

Longer pump cycles needed. More backwashing required.

Chemicals:

Considerably more chemicals than fibreglass. Porous plaster harbors algae.

Vinyl Liner

Moderate Impact

Water Usage:

Low evaporation (smooth surface). Similar to fibreglass.

Energy Usage:

Moderate pump requirements. Standard filtration needed.

Chemicals:

Moderate usage. Liner waste every 7-10 years (not recyclable).

Eco-Friendly Pool Tips (Any Type):

  • Install a pool cover: Dramatically reduces evaporation - one of the most effective ways to cut water and heat loss.
  • Use a variable speed pump: Cuts pump energy use substantially and typically pays for itself over time.
  • Solar heating: An upfront investment that then heats your pool with free solar energy.
  • Saltwater chlorinator: Reduces chemical transport and packaging waste.
  • LED pool lights: Use far less energy than halogen and last much longer.
  • Native landscaping: Reduces water runoff and chemical leaching into soil.

Which Pool Type Suits Which Home?

For fast, low-maintenance swimming:

✓ Fibreglass Pools

Fastest installation, typically the lowest lifetime cost, easiest maintenance. Suits families who want to swim soon without ongoing hassle.

For custom and luxury builds:

✓ Concrete Pools

Unlimited customisation and a premium, tailored result. Ideal where the budget covers both the build and ongoing professional maintenance.

For tight upfront budgets:

✓ Vinyl Liner Pools

Lowest upfront cost with some customisation. A workable option if upfront budget is the constraint and you can handle periodic liner replacements.

Bottom Line:

For many Australian homeowners, fibreglass strikes the most practical balance of upfront cost, installation speed, and ongoing upkeep. Choose concrete if you need custom features and can afford higher maintenance. Choose vinyl if upfront budget is the main constraint and you're willing to replace liners periodically.

Sources and Further Reading

Pool safety barrier requirements (including fencing built to AS1926) are set by state regulators. Start with your state's rules:

This guide is general information, not a quote or regulatory advice. Costs, timelines, and warranty terms vary by site, builder, and state - confirm specifics with licensed pool builders and your local authority.

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FAQ

Frequently Asked Questions

Clear answers to the questions homeowners usually ask before comparing quotes.

1

What's the cheapest type of pool to install in Australia?

Vinyl liner and fibreglass pools typically cost less upfront than concrete, which usually sits at the top of the range because it is custom-built on site. But upfront price is only part of the picture: fibreglass generally has the lowest ongoing costs, while concrete needs more chemicals, periodic acid washing, and eventual resurfacing, and vinyl pools carry recurring liner replacement. Compare itemised quotes for your specific site and factor in the ongoing costs each builder outlines, not just the installed price.
2

How long does each pool type last?

All three pool types can serve for decades with proper maintenance, but their wear patterns differ:

Fibreglass pools: Long-lived shells. The gelcoat surface may eventually need refinishing later in the pool's life.

Concrete pools: Typically the longest-lived structure of the three, but the interior surface needs periodic resurfacing over the pool's life.

Vinyl liner pools: The structure is durable, but the liner is the wear item and needs periodic replacement. The pool shell outlasts the liner. Ask each builder what the warranty covers for the structure versus the surface.
3

Which pool type is easiest to maintain?

Fibreglass pools are the easiest to maintain, requiring noticeably fewer chemicals than concrete due to their non-porous gelcoat surface that resists algae growth. Weekly maintenance typically takes an hour or two. Vinyl liner pools are second-easiest, with smooth surfaces that discourage algae but require careful handling to avoid liner punctures. Concrete pools require the most maintenance: regular brushing of porous surfaces, more chemicals, periodic acid washing, and often professional servicing.
4

Can I install any pool type in my backyard?

Not all pool types work for every site. Fibreglass pools require crane access for installation and come in fixed sizes/shapes (typically max 10m long). If you have narrow side access (<3m wide) or overhead power lines, installation may be impossible. Concrete pools are the most versatile - can be built anywhere with excavator access, any shape/size/depth, perfect for sloped sites or tight spaces. Vinyl liner pools need stable soil (not reactive clay) and relatively flat ground. Always get a site inspection before deciding - soil type, access, slope, and existing structures all impact which pool types are feasible.
5

Which pool type is best for cold climates or winter swimming?

Concrete pools are best for cold climates and year-round heating. Their thick walls (150-200mm) provide superior insulation, retaining heat better than other types. They're ideal for integration with solar heating, heat pumps, or gas heaters. Fibreglass pools are second-best - modern designs have improved insulation, and the smooth surface heats faster than concrete. Vinyl liner pools are least suitable for cold climates: thin liners provide minimal insulation, can become brittle in freezing temperatures, and may wrinkle or shrink in cold water. For heated pools in Melbourne, Canberra, or Tasmania, concrete or fibreglass are strongly recommended.
6

What about saltwater vs chlorine - does pool type matter?

All three pool types can be saltwater or traditional chlorine, but some handle salt better than others. Fibreglass pools are well suited to saltwater - the gelcoat surface resists salt corrosion. Concrete pools work with saltwater but salt is slightly more corrosive to the plaster/aggregate surface, which can shorten resurfacing intervals. Ensure you use salt-resistant materials and finishes. Vinyl liner pools are compatible with saltwater, but fittings, ladder anchors, and metal components must be marine-grade stainless steel to prevent corrosion. Saltwater chlorinators are a common choice for Australian pools regardless of pool type.
7

Can I customize the shape and depth of each pool type?

Concrete pools offer unlimited customisation - any shape, depth, features, or design you can imagine. Perfect for infinity edges, beach entries, swim-up bars, or unusual shapes. Fibreglass pools come in pre-manufactured moulds with a wide catalogue of designs to choose from (rectangles, kidney shapes, freeform). You select a pre-made shell in standard sizes. Depths typically range 1.0m-1.8m. Vinyl liner pools offer moderate customisation - you can create custom shapes and sizes, but complex curves or sharp angles are difficult. Beach entries and benches are possible but require careful planning.
8

How quickly can each pool type be installed?

Fibreglass pools are the fastest - typically installed in a few weeks from excavation to swimming. The shell is pre-made, so installation is just excavation, placement, plumbing, backfilling, and decking. Vinyl liner pools typically take one to two months - framework construction, plumbing, liner installation, and finishing. Concrete pools are the slowest, typically several months - excavation, steel reinforcement, shotcrete/gunite application, curing time, plumbing, tiling, rendering, and finishing. Weather delays can extend concrete timelines significantly, so ask each builder for a committed schedule in writing.
9

Which pool type adds the most value to my property?

There is no reliable dollar figure for what a pool adds at resale - the contribution depends on your suburb's price ceiling, the buyer profile in your area, the pool's condition and compliance at sale time, and how well it fits the rest of the home. A well-maintained pool of any type tends to present better than a tired one: concrete pools can suit premium properties where custom design matters, fibreglass pools present well when kept in good condition, and a worn or dated vinyl liner can work against you at inspection. Pools also tend to appeal more to buyers in warmer climates with long swim seasons. If resale is a major factor in your decision, ask a local real estate agent what buyers in your specific suburb actually look for.
10

What are the main reasons pool installations fail or owners regret their choice?

The most common regret is choosing the wrong pool type for the situation. Common mistakes: (1) Choosing fibreglass when they wanted custom features - they're locked into a pre-made shape forever. (2) Choosing concrete without understanding the ongoing commitment - periodic resurfacing is a significant expense that surprises many owners. (3) Choosing vinyl liner for harsh climates - UV damage, extreme heat, or cold shortens liner life and brings replacement forward. (4) Not considering site access - ordering a fibreglass pool then learning crane access is impossible. (5) Underestimating total costs - forgetting fencing, landscaping, heating, and ongoing maintenance. Get several quotes, inspect completed pools of each type, and talk to owners who've had their pools for years.
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