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The math

How much does it cost to heat a pool?

Not a range somebody remembered. A model you can run on your own pool, built from published prices with every step shown.

By Scooter M.Published How we work out every number
A calculator and a page of handwritten figures on a desk
Ranked

Quick picks

The four purchases the numbers on this page point at, including the one they point away from.

#ProductBest forPrice
1
No photo
Biggest single saving available

Sun2Solar 1200 Series Crystal Clear Solar Cover

DOE puts covering a pool when not in use at 50-70% of heating cost. Nothing else comes close per dollar.

Most pools, most budgets — the default recommendation
2
No photo
Cheapest controllable heat

Hayward HeatPro Pool Heat Pump

$10.75 per million BTU delivered against $28.36 for gas.

Lowest running cost per degree when you want real temperature control
3
No photo
Zero running cost

SmartPool SunHeater S601P Solar Heating System

The only line in the table below that reads $0.00.

Adding real heat with no running cost, on a sunny site
No photo
The expensive mistake

An electric resistance pool heater

$53.75 per million BTU — five times a heat pump on the same electricity.

Spas and very small above-ground pools only

#ad We earn a commission if you buy through this link, at no extra cost to you. It never changes the ranking. How this site is funded. Prices last checked September 2, 2026.

Why the usual answer is useless

Search this question and you will be told gas runs $200 to $500 a month and a heat pump $50 to $150. Those ranges may well be true of somebody. They are not derived from anything you can check, and they cannot tell you whether they describe a 10,000-gallon pool in Arizona or a 30,000-gallon pool in Michigan.

So here is the model instead. It has three inputs, all published, and it produces an answer for your pool rather than for an average one.

Step one: what a million BTU costs to buy

Fuel price ÷ energy content
Natural gas: $24.09 per Mcf ÷ 1.036 MMBtu per Mcf= $23.25
Propane: $2.674/gal ÷ 91,452 BTU/gal x 1,000,000= $29.24
Electricity: $0.1834/kWh ÷ 3,412 BTU/kWh x 1,000,000= $53.75

Prices are US residential averages from the EIA: electricity and natural gas for June 2026, propane for the week ending 30 March 2026. Energy contents are EIA's published conversion factors. At this stage electricity looks ruinous, which is exactly the comparison that gets published and exactly why it misleads.

Step two: divide by what the equipment delivers

This is the step the category leaves out, and it inverts the ranking completely.

Cost per million BTU delivered into the water
Solar: no fuel= $0.00
Heat pump: $53.75 ÷ COP 5.0= $10.75
Natural gas: $23.25 ÷ 82% efficiency= $28.36
Propane: $29.24 ÷ 82% efficiency= $35.66
Electric resistance: $53.75 ÷ COP 1.0= $53.75

The cheapest and dearest controllable options differ by a factor of five

A heat pump does not make heat, it moves it — delivering about five units for every one it draws. That is why electricity goes from worst to best depending entirely on which machine is on the end of it. COP 5.0 and 82% efficiency are our stated assumptions; both are editable in the calculator.

Step three: your pool, your degrees

The whole cost calculation
BTU = gallons x 8.33 x degrees
Cost = (BTU ÷ 1,000,000) x cost per million BTU delivered
Cost of a 10°F rise, by pool size and fuel
PoolSolarHeat pumpNatural gasPropaneResistance
10,000 gal$0.00$8.95$23.62$29.70$44.77
15,000 gal$0.00$13.43$35.43$44.55$67.16
20,000 gal$0.00$17.91$47.24$59.41$89.55
30,000 gal$0.00$26.86$70.86$89.11$134.32

One-time temperature RISE, not a monthly bill. See the next section — that distinction is where most published figures go wrong.

Cost per degree, by pool size
PoolHeat pumpNatural gasElectric resistance
10,000 gal$0.90$2.36$4.48
20,000 gal$1.79$4.72$8.95
30,000 gal$2.69$7.09$13.43

Heat-up cost is not your monthly bill

This is the distinction the whole category blurs, and getting it right changes what you should spend money on.

Everything above is the cost of a one-time temperature rise. Your monthly bill is dominated by maintenance — replacing the heat that leaks out continuously, which DOE attributes about 70% to evaporation.

What maintenance actually looks like
A 20,000-gallon pool dropping 3°F overnight
20,000 x 8.33 x 3 = 499,800 BTU lost
Replacing it, heat pump: $5.37 a night
Replacing it, natural gas: $14.17 a night
x 30 nights= $161.19 to $425.19 a month

That is where the monthly bill actually comes from

And roughly 70% of it is evaporation — which is why a cover changes the running cost far more than it changes the heat-up time, and why the first thing to measure is your overnight drop rather than your heater's rating.

What this model does not include

Stated plainly, because a model whose limits are hidden is worse than no model:

  • Your weather. Air temperature, humidity, wind and sky conditions all move a real pool around, and none of them are inputs here. DOE’s wind figure alone — a 7 mph breeze raising energy consumption by 300% — tells you how large that term can be.
  • Your actual heat loss rate. We use your measured overnight drop for that, because it is the only honest substitute for modeling your specific site.
  • Equipment efficiency in service. We assume 82% for gas and a COP of 5.0 for a heat pump. Real numbers vary with maintenance, water chemistry and air temperature.
  • Your local energy prices. These are national averages, and US residential electricity varies roughly threefold across states. Put your own rate into the calculator — it is the input that changes the answer most.
In full

Every pick, in detail

What each one publishes, what is good and bad about it, and — the section this category usually omits — what we could not judge without owning one.

No photoWe have no photograph of this exact model that we can honestly publish
1. Biggest single saving available

Sun2Solar 1200 Series Crystal Clear Solar Cover

The value pick, and the one whose logic actually holds up. A clear cover transmits more sunlight into the body of the pool instead of absorbing it at the surface, and 12 mil is the point where lifespan stops being the limiting factor. Bob Vila measured this and the 16-mil blue at the same 4 to 5 degrees in an hour, so you are paying less for the same measured result and giving up some years of service life.

Best for Most pools, most budgets — the default recommendation

What the manufacturer publishes
Thickness12 milThe manufacturer publishes no retrievable specification sheet; figure is as listed at retail.Retail listing
ColorClearRetail listing
Stated lifespan3 to 4 years for the 12-mil clear tierSwim University's published figure for 12-mil clear covers generally.Retail listing
Bubble sideBubbles face the waterPublished standard
Daytime solar gain

4 to 5 degrees F in one hour

Claimed by Bob Vila, measured across all covers in their group. Conditions: One hour under 2pm sun on 89 to 92 degree F days. Source

What is good
  • Clear transmits more light into the water instead of stopping it at the surface
  • 12 mil is the sweet spot: real service life without 16-mil bulk
  • Cheaper than the 16-mil tier with no measured heating penalty
What is not
  • Shorter published lifespan tier than 16 mil
  • A clear cover shows algae and debris more obviously, which some people dislike
What we could not assess
  • Whether clear genuinely outlasts or under-lasts blue in the same thickness
  • Real-world tear resistance at a pool with rough edges
  • How much the clear material clouds over a season of UV

These need a unit in hand across a season. We do not have one, so we do not have an opinion worth printing on them.

Check price on Amazon

#ad We earn a commission if you buy through this link, at no extra cost to you. It never changes the ranking. How this site is funded. Prices last checked September 2, 2026.

No photoWe have no photograph of this exact model that we can honestly publish
2. Cheapest controllable heat

Hayward HeatPro Pool Heat Pump

If you are heating a pool with electricity, this is the shape of machine to do it with. A heat pump moves heat instead of making it, and at the assumptions we publish it delivers a million BTU into the water for about a fifth of what an electric resistance heater costs to deliver the same. It is slower than gas and it fades as the air gets colder, which is exactly when you want it — that trade is the whole decision.

Best for Lowest running cost per degree when you want real temperature control

What the manufacturer publishes
TypeAir-source heat pumpThe manufacturer publishes no retrievable specification sheet; figure is as listed at retail.Retail listing
Rating conventionRated by BTU/hr OUTPUTThis is the trap in the category. Gas heaters are rated by fuel INPUT, heat pumps by heat OUTPUT. A 140,000 BTU heat pump and a 140,000 BTU gas heater do not deliver the same heat.Published standard
Cost per million BTU deliveredAbout $10.75 at our published assumptionsUS average residential electricity at 18.34 cents/kWh (EIA, June 2026) and an assumed COP of 5.0. Both are substitutable on our running-cost calculator.Our arithmetic
What is good
  • Cheapest running cost per delivered BTU of any controllable heater
  • No gas line, no combustion, no flue
  • Holds a set temperature rather than depending on the weather
What is not
  • Slow — expect most of a day to move a full-size pool ten degrees
  • Efficiency falls with air temperature, so it is weakest in the shoulder season
  • High purchase price against a gas heater of comparable output
What we could not assess
  • The COP this specific unit achieves at your conditions
  • Compressor and control-board longevity
  • Noise at the distance your deck actually sits from it

These need a unit in hand across a season. We do not have one, so we do not have an opinion worth printing on them.

Check price on Amazon

#ad We earn a commission if you buy through this link, at no extra cost to you. It never changes the ranking. How this site is funded. Prices last checked September 2, 2026.

No photoWe have no photograph of this exact model that we can honestly publish
3. Zero running cost

SmartPool SunHeater S601P Solar Heating System

Solar panels that plumb into the return line and heat the water with sunlight rather than fuel, which puts their running cost at zero — the only entry in the whole heating category where that is true. The trade is that you cannot dial in a temperature: the panels deliver what the sun gives them on the day, and on a cloudy week they deliver very little.

Best for Adding real heat with no running cost, on a sunny site

What the manufacturer publishes
TypeRoof or ground-mounted solar collector panels, plumbed inlineThe manufacturer publishes no retrievable specification sheet; figure is as listed at retail.Retail listing
Running cost$0 in fuelThe circulation pump is already running for filtration. There is no additional fuel or electricity cost attributable to the heat.Our arithmetic
Cumulative equilibrium gain

As much as 15 degrees F

Claimed by Bob Vila, describing the S601P. Conditions: Stated as requiring ample sunlight; no time period given. Source

Note the phrasing: with ample sunlight it can boost temperature by as much as 15 degrees. That is a cumulative ceiling reached over days of good sun, not a figure you will see in an afternoon.

What is good
  • Zero fuel cost, forever — nothing else in this category can say that
  • No combustion, no gas line, no additional electrical service
  • Panels can be added to as the budget allows
What is not
  • You get the sun's schedule, not yours
  • Needs real unshaded mounting area, and plumbing work to install
  • Does nothing on a cold cloudy week, which is when you most want it
What we could not assess
  • Actual heat output at your latitude, roof pitch and shading
  • How the panel material survives a decade of UV and freeze cycles
  • Whether the included fittings suit your existing plumbing

These need a unit in hand across a season. We do not have one, so we do not have an opinion worth printing on them.

Check price on Amazon

#ad We earn a commission if you buy through this link, at no extra cost to you. It never changes the ranking. How this site is funded. Prices last checked September 2, 2026.

No photoWe have no photograph of this exact model that we can honestly publish
The expensive mistake

An electric resistance pool heater

Skip it for a full-size pool, and the arithmetic is not close. At the same electricity price, a resistance heater costs about five times what a heat pump costs to deliver the same heat, because it makes heat instead of moving it. It has a legitimate niche on a small above-ground pool or a spa where the volume is tiny and the install is a plug. On 20,000 gallons it is the most expensive way to heat water that exists.

Best for Spas and very small above-ground pools only

What the manufacturer publishes
Cost per million BTU deliveredAbout $53.75 at our published assumptionsUS average residential electricity at 18.34 cents/kWh (EIA, June 2026) at a coefficient of performance of 1.0. Compare with about $10.75 for a heat pump on the same electricity.Our arithmetic
EfficiencyAbout 1:1 — no efficiency to argue aboutPublished standard
What is good
  • Cheap to buy and often just plugs in
  • Genuinely sensible on a spa or a very small pool
What is not
  • About five times a heat pump's running cost for identical heat
  • Draws serious current, which frequently means an electrical upgrade
  • On a full-size pool the running cost is punishing
What we could not assess
  • Element life in your water chemistry
  • Whether your existing circuit can carry it

These need a unit in hand across a season. We do not have one, so we do not have an opinion worth printing on them.

Check price on Amazon

#ad We earn a commission if you buy through this link, at no extra cost to you. It never changes the ranking. How this site is funded. Prices last checked September 2, 2026.

FAQ

Questions people actually ask

How much does it cost to heat a pool per month?
It depends mostly on how much heat escapes rather than how much you add. For a 20,000-gallon pool losing 3°F overnight, replacing that heat costs about $161.19 a month with a heat pump and about $425.19 with natural gas at US average residential prices. Your own overnight drop is two thermometer readings away.
How much does it cost to raise a pool 10 degrees?
For a 20,000-gallon pool: about $17.91 with a heat pump, $47.24 with natural gas, $59.41 with propane, and $89.55 with an electric resistance heater. Solar costs nothing to run.
What is the cheapest fuel to heat a pool with?
Per unit of heat delivered into the water: solar at zero, then a heat pump at $10.75 per million BTU, then natural gas at $28.36, propane at $35.66 and electric resistance at $53.75. Note that electricity is both the cheapest and the most expensive option depending entirely on which machine is on the end of it.
Does turning the temperature down really save that much?
Yes — DOE puts each degree of target temperature at 10 to 30% of the total heating bill. It is the single largest lever you own, and it is free.
Sources

Every URL above was fetched and returned content on the date shown. Where a figure is ours rather than somebody else’s, the arithmetic is on the page and on the methodology page. If you find an error in it, we would genuinely like to know.

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