Buying a Lot? Thinking of Building a New Home?
How to Find Out The Cost of Your Septic System
One of the biggest variables in cost for building on your lot can be the cost of the septic system. How much will your septic system cost in NC?
It depends. If you're getting a home construction bid, make sure your septic system allowance will be sufficient for the unique requirements of your lot and floor plan.
Septic System Costs Vary By Lot
Septic system costs vary widely, depending on soil conditions, size of system, type of system, county requirements, and more.
A typical septic system in the Raleigh/Triangle area can be anywhere from $3,000 to $15,000, with most conventional or pump systems falling in the middle range.
What Does "No Perk" Mean?
A special system can run many tens of thousands more - particularly if your lot is rated the dreaded "No Perk", which means the ground is truly not suitable for a septic and many special measures will have to be taken to support one.
If your lot had a soils test years ago, it may need to be retested. North Carolina septic and soils requirements have become much more stringent. Some lots that were approved many years ago may no longer meet the requirements for a standard conventional septic system. On the bright side, because of these stringent standards you can be confident that your septic system will do its job for many, many years!
An experienced home builder can look at your septic permit and plot map and give you at least a good idea of what the system is going to cost.
Here are some of the things the builder will look for to determine septic system cost:
1. How large is the septic field?
The length of pipe required will help determine total cost.
2. How far from the home is the septic field?
If more than 100 ft, a backflow preventer will have to be added.
3. What is the topography of the land?
A flat, level lot will most likely have lower cost than a lot on a hill.
4. Is the septic field cleared or densely overgrown?
The septic field will need to be cleared of brush and of most trees in order for the pipes to be installed.
5. What depth of soil does your septic permit allow?
If the nitrification lines cannot be buried deep enough due to soil quality, enough approved soils will have to imported to cover the septic lines. Add the cost of the soil, plus transportation, and labor for spreading the soil above the septic system field.
6. Is the system gravity fed or pump fed?
A pump system will add to the cost.
7. What type of system has been approved or required?
Has the County approved a standard septic system, or have they required a special system like a panel block system?
8. Has a basement been requested?
In this area, most likely an additional pump system will be required, adding at least $3,000 to the building cost.
Septic systems requirements can vary greatly, even on two adjacent lots.
But an experienced builder or septic system installer will be able to identify most issues and give a ballpark cost estimate based on seeing the approved septic permit and the plot map of your lot.
You'll probably want to bring a copy of a floor plan you're considering as well - a basement or a large number of bedrooms can also require changes in the system.
Writing an Offer
Remember, you can make an offer contingent on soil suitability. Talk to your builder about getting a soils test and obtaining information about the type of system required.
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Article copyright Stanton Homes 2010. Provided for informational purposes only, no claims are made by Stanton Homes regarding the validity of any statements. Please note: all listing information per MLS, and current as of posting date. Information subject to change. Stanton Homes does not make claims to ownership of above lot listings, but can work with homebuyers to purchase lots and build. Home plans to be approved on an individual basis, subject to neighborhood restrictive covenants and lot restrictions. Ask for further information regarding any community, lot or floor plan. Photos represent typical homes and details of each neighborhood, to help highlight different options available in the Raleigh/Triangle area. No claim of ownership is made to homes or land pictured.

Solid advice when looking at lots.My area is quite sandy and the average septic system here is more like 1600.00 unless you are on the Lake Murray shores. There I have seen 20K plus.
Most of my developer/builders will not consider buying land unless it is serviced by public sewer and public water.....unless it's a gravel pit, Title 5 regulations in Ma. make septic systems very expensive to install....also, if the construction concept is one of density(i.e., a condo project or 40B development) a waste water treatment plant will be required.....public sewer eliminates all of that.
Excellent. Septic systems in my area are more expensive, in the $20K to $50K range. It differs from county to county in MD and VA, but they are not inexpensive. However, they open many opportunities for builders and buyers where public sewage disposal is not available.
I advise inspection and service every 2-3 years. However, with some new systems, the county in which I live requires an annual inspection and certification with the county Health Department.
Wow and I thought 5 k was too much, used and taken care of a septic system is actually better but Taken Care of is the key and most don't.
Penny,
The cost of septic systems varies pretty widely. Much more expensive here in Anne Arundel County, MD because of the special requirement for nitrogen reduction.
It pays to do your homework beforehand.
Great info.
Rich
Penny, very good tips stressing the buyers do their due diligence when it comes to septic systems. Thanks.
I wish 5k for a septic was a high price. Here in NJ we are looking at a minimum of 25k for a septic.
I hope a lot of our customers see your post. The septic systems in VT range from $12,000 to $25,000, a big spread. And must have to add pumps to the system to pump from the house up hill to the field. VT is so fussy and that is a good thing excelt when it comes to the bucks the buyers have to put out. Thanks for the post.
Good advice for the consumers in your area. As shown a bad decision can cost a lot.
In Barrington IL you are looking at $15,000 to $25,000 but that usually includes drilling the well as well. Nicely written piece.
Good advice Penny! Over the years I've learned more than I wanted to know about septic systems but always find the knowledge to be handy. Heard a contractor make a presentation at sales meeting a month or so ago and learned that even though they still talk about "perking", nobody actually "perks" the land anymore since they have other ways of figuring it out. He also shared that there is a system for every type of property these days...but as you point out, it depends on your pocketbook! I've seen some wild systems at the coast!
What a great article. I just did my first raw land deal and learned a ton about septic system. I'm sure your local consumers will benefit from your knowledge.
Well after reading what others have commented--- I do not feel so bad that I had to pay 16k for my septic system. In Alabama that is 3x the normal cost
Great information on septic systems Penny. It is clear you have a handle on this most important topic shouldyou will require a septic system on your property. Laws will vary in different states of course, but the basics remain the same. Thnx.
A septic system in Sonoma County can cost $100,000 if you've got to install an engineered mound system...and the majority of new systems here are mounds because they work in areas where standard systems are not possible.
Last I heard approximately 40% of homes in Sonoma County are on well and septic as opposed to public utilities. If you're representing buyers or sellers here and don't know the county's policies on septic systems....you're headed for trouble.
Standard systems are approved where land parcels are large enough...and they perc adequately...and these systems cost far less than a mound. However, it's not unusual for a new 3-bedroom septic system in Sonoma County to cost between $30,000 and $50,000.
In Oklahoma we often use aerobic systems. They are a mini water purification system with two tanks, the first for solid waste, the second for conversion to p[otable liquid that goes out three sprinkler head when the pressure gets to a certain level. It does not have the septic field and it does not require the 1/2 acre requirement.
Penny, this is great information, thank you, I bookmarked it for future reference.
Wow, a feature!
I've had huge email issues today and am currently chatting online with TimeWarner in an attempt to fix. Thanks everyone for stopping by....
Laura - it really can vary by type of soil.
Barbara - in this area, probably about 30% of homes are serviced by septic systems, particularly when outside of city limits or on lots larger than .5 acres.
Lenn - inspection every few years is a good idea. NC is really good with strict requirements on installation and inspection up front.
Michael - we try very hard to answer all the hard questions up front, so that everyone knows exactly what will be involved in the construction process. We even provide a full cost analysis of each client's top two or three lots, INCLUDING the cost of the septic system, if needed! This can be a surprise cost later with some builders.
Good post! I deal with septics constantly in my market and it is amazing how uninformed many are about the subject of septics. People often do not take into account the costs.
I am on the Cumberland Plateau in Tennnesee, and most of my properies have septic systems. Be sure you have a knowledgable company install the system. A septic system is not a probem if you take care of it. A sewer can back up too! Over the years the cost of a septic is far less than city sewer.
Penny, I'm impressed. Not may agents out there that would tackle the subject of septic systems. Thanks for using the proper term, "septic system" and not "septic tank". Have you noticed how many home warranties use the term "septic tank" when referring to the "Optional coverage" which almost always septic systems fall under.
I have found a local person who has excellent credibility with the local Department of Health, which is the Agency in Arkansas that regulates the construcion of septic systems. I use this person as an expert resource to help potential Buyers evaluate their options. In Arkansas, it will cost you between $400 and $600 to obtain the proper site evaluation and a permit for installation. An expert resource can be invaluable when you are dealing with "city slickers" moving to the country. Check out my blog, "The Scoop on the Poop".
Eric and Deborah - you're right, costs can vary significantly by state!
Corinne - an "average" well is about $5,000 in this area. Can be more or less depending on depth. An average for both is about $10-13K. Compares very well to tap fees and other costs for sewer and water in cities like Raleigh, Cary, and Chapel Hill.
SarahGray - you're right, ways of testing the soils have changed considerably, as have the soils requirements themselves (which means a lot with an outdated septic permit may no longer be approved for the same type of system). But most people still do refer to "perking" when talking about checking the soil.
Hi Penny -- This is indeed very, very important. Having wells tested for capacity, flow, chemicals, and the like are also very important.
Good advice! Agents must remember to make their offers contingent on exactly the type of system(s) their clients will/should accept !
Penny! Congrats on the Star!! WOW! This is a TON of information!
Very good advice. This is a lot of necessary info, thanks for the post.
Paul - $15K isn't unheard of here, but that definitely covers one of the more special systems, or something that requires a lot of top soil being brought in. One of the terrific things about the counties here - they're very prepared for septic systems, and the improvement permit gives an experienced builder or septic installer all they need to know about what your system is going to cost - BEFORE you buy the lot! Just make sure you ask someone WITH experience, who is willing to put something in writing.
Kirsten - Wow, quite a bit more expensive in your section of California!
Great article, Penny. Thanks for the information. Some homeowners and homebuilders in our area (SC, NC, VA and TN) are looking to water conservation methods to help prevent a strain on their septic systems. Gray water recycling and rainwater harvesting systems put 35 to 40% less water in an individual's septic system. As rain shortages continue to plague the Southeast, I think you will see these systems become more and more mainstream. Of course, these systems save the homeowners money too. You can learn more about it here: www.greenlinkwater.com. Thanks again, Penny!
The first challenge we have with a current approved Short Sale is excavating the concrete that the owner poured over the access hatch!