Are you considering buying a home with a septic tank? Would you like to know the advantages and disadvantages?
Homes with septic tanks can be both a gift and a challenge. A well-kept septic tank is a silent friend, helping the environment, being kind to your wallet, and lasting for decades.
Yet, they demand respect. You must care about what goes down the drain, perform regular check-ups, and avoid the risk of pipe problems.
So remember the golden rule—treat your septic system well, and it’ll treat you well. Let’s start by looking at the positive aspects of having a septic tank in your home.
Homes with septic tanks offer environmental friendliness, cost-effectiveness, and durability. However, they require careful consideration of waste disposal, routine maintenance, and the potential risk of pipe ruptures.
Homeowners should weigh these factors when deciding on a property with a septic system.
Over the last thirty eight years, most of the homeowners I have represented own septic tanks. They are very common in the area in Massachusetts where I reside and do business. I have had septic systems in my own homes. Every now and then you will have to deal with a failing septic system which is never pleasant.
In many instances septic failure and the need for replacement is due to a lack of maintenance. I have learned through the years that some folks don’t even realize they need maintaining. Frankly, it’s a shame when I find this out.
When done correctly, septic tanks and systems can last for years. Let’s examine the essential points.
What Are The Different Types of Septic Tanks?
When buying homes with septic tanks, you must know what kind you’ll get. There are several different kinds of septic tanks.
The most common is concrete. Most of the homes I have sold over the years had concrete tanks.
Different types of septic tanks are used depending on the system. Each type satisfies specific needs, environments, and regulatory requirements.
Here’s a breakdown of what you need to know:
- Concrete: They are praised for their durability and ability to withstand large loads. This makes it a common choice for many properties. However, it can be prone to cracking, allowing for potential leakage.
- Plastic (HDPE): These are known for being lightweight and resistant to cracking and rusting. They are favored in areas not suitable for concrete tanks. They must be carefully installed to prevent damage.
- Fiberglass: This tank is used where space is limited or soil conditions are challenging. It is easy to install and lightweight, but it may shift when the surrounding soil is wet.
- Steel: They are constructed from welded steel plates. These tanks offer longevity and resistance to damage but are prone to rusting, limiting their lifespan to about 25 years.
- Portable: These are useful for temporary setups such as RVs or job sites. They are easy to move but have a limited capacity and require frequent emptying.
- Aerobic Treatment Units: These systems use oxygen to promote the growth of aerobic bacteria, which efficiently breaks down waste. They suit various conditions, including high water tables and limited space. I have seen them used around sensitive areas such as lakes.
The cost of purchasing a septic tank depends on the type used. For example, concrete tanks cost between $700 and $3000, while fiberglass tanks range from $1200 to $2000. Plastic tanks for $500-$2500.
Advantages of Homes with Septic Tanks
Homes with septic tanks offer a greener alternative to traditional sewer systems. Unlike municipal sewer systems that transport waste to treatment plants, septic systems treat sewage onsite. They allow for natural waste decomposition and minimize the environmental impact on nearby water sources.
With proper maintenance, septics help conserve water. It makes them an eco-friendly option for homeowners looking to reduce their environmental footprint.
The decentralized approach of septic tanks significantly reduces the energy required for transporting and treating waste materials.
According to an Environmental Protection Agency (EPA) study, septic systems can potentially remove up to 60-70% of pollutants from household wastewater. This benefits local ecosystems and contributes to overall water resource conservation.
Cost-Effective
Another compelling advantage of homes with septic tanks is their cost-effectiveness. Basic septic system designs are inexpensive to install and maintain compared to connecting to municipal sewer lines.
However, not all septic systems are cheap. The cost depends on the location, water table, and soil conditions. For example, in Massachusetts, septic systems can be expensive. The average system costs between $20,000 and $25,000.
However, homeowners with septic tanks typically eliminate the need for monthly water and sewer bills, providing substantial long-term savings.
Consider this: The average annual cost of maintaining a septic system ranges from $280 to $450, whereas connecting to a city sewer could result in monthly fees ranging from $150 to $200.
Over time, these cost differentials significantly impact household expenditures, providing homeowners substantial financial relief.
Durability
With regular maintenance and proper care, septic systems boast impressive durability. With good care, they usually last 20-40 years or longer.
By following routine maintenance practices such as regular inspections and pumping, homeowners can extend the life cycle of their septic system even further. This will ensure an efficient and reliable waste management solution for decades.
While there are pros to having a septic tank, there are also cons, too.
Disadvantages and Issues with Septic Tanks
Living in a home with a septic tank has its share of drawbacks. Considering this before choosing a property with this sewage system is essential.Click To TweetBe Mindful of What You Flush
When buying a home with a septic tank, you must be mindful of what goes down your drains.
The plumbing in homes with septic tanks demands more attention regarding what gets flushed down the drain. Many items like napkins, tissues, or diaper wipes don’t deteriorate quickly in septic systems. They can cause severe clogs over time.
It’s essential to take care and only flush items that are biodegradable and won’t negatively impact the septic system.
Remember: The last thing you want is an avoidable issue that disrupts your daily life or requires repair work on your property.
Routine Maintenance
Unlike properties connected to municipal sewer systems, homes with septic tanks need more frequent maintenance. You must pump out the tank every 3 to 5 years and have it inspected regularly.
This involves hiring professionals to perform meticulous checks and maintain the system. Doing so can add to the homeowner’s responsibilities and costs. Ignoring these essential tasks could lead to malfunctions that necessitate extensive repairs.
Regular maintenance ensures the system effectively handles wastewater and reduces the risks associated with leaks and overflows. The cost of pumping a septic tank is relatively minor, so it is worth keeping up with this maintenance item.
Pipe Ruptures
One of the most distressing issues with septic tanks is pipe ruptures. A drainage pipe leading to the septic tank ruptures can result in significant damage.
Waste water may start pouring into the soil, creating an environmental hazard and an unpleasant odor. The cost of repairing or replacing damaged pipes can also be substantial. Homeowners must remain vigilant for any signs of pipe deterioration.
Living in a home with a septic tank requires a deliberate approach from the homeowners. You must be mindful of what enters the system, stay committed to regular maintenance schedules, and promptly address any signs of wear and tear to prevent extensive damage.
Additions Could Require Upgrades
When buying a property with a septic system, it’s essential to know if you add an addition, you may need to increase the system size. This is especially true when adding a bedroom.
You can only market your home for the septic system bedroom capacity.
Failure Could Stop a Home Sale
In many states, including Massachusetts, a septic system inspection is required to transfer property. Mortgage lenders will require a passing inspection. In the event of failure, a seller will either need to replace the system or escrow 1.5 times the cost of an estimate to replace it.
For example, if the estimate is $20,000, the lender will require $30,000 to be held in an escrow account until completion and approval. If a seller does not have the money, a buyer could be out of luck.
The Impact on Ground Water and Soil
Septic systems are crucial in managing household wastewater, yet they can pose potential environmental risks if improperly maintained. When septic systems malfunction due to lack of maintenance or damage, harmful contaminants can leak into the surrounding environment.
One prime example is the potential contamination of groundwater supplies, which are commonly used as a source of drinking water. Contaminated water presents a significant health hazard, as it can cause various illnesses if consumed.
Moreover, raw sewage from septic tank leaks can seep into the soil, affecting its quality and fertility. The introduction of untreated waste can alter the soil’s composition, making it less suitable for supporting vegetation and threatening local ecosystems.
In addition to environmental concerns, the foul odor and unsightly appearance resulting from leakage can significantly impact a property’s overall appeal and value.
Consider this analogy: just like how using organic fertilizers promotes healthy soil by enriching its nutrients, an unmaintained septic system does quite the opposite by introducing harmful pollutants that degrade the soil’s natural composition.
When a septic tank fails to contain and treat wastewater effectively, it poses a threat not only to human health but also to the delicate balance of local ecosystems. The potential ramifications extend beyond personal property. It can have broader repercussions for entire communities.
If you are buying a house with a septic system and a well, it would be wise to inspect the well.
Understanding these environmental impacts underscores the need for diligent maintenance and routine inspections to prevent such issues from happening.
Selling a House with a Septic Tank: What to Consider
Selling a home with a septic tank brings considerations from disclosure requirements to inspections.
To avoid potential legal issues, it’s essential to be transparent about the septic system’s condition and maintenance history.
In Massachusetts, sellers are required to have a septic system inspection before closing under Title V laws.
Disclosure Requirements
When selling a house with a septic tank, various areas have specific requirements concerning the information that must be disclosed to potential buyers. This can include details about the age of the system, any repairs or replacements, and its overall condition and maintenance history.
Non-disclosure or providing false information can lead to costly legal repercussions. Homeowners need to be careful not to misrepresent bedroom counts with septic systems.
Inspection
Before putting your house on the market, thoroughly inspecting your septic system is often recommended. This serves two critical purposes: confirming the system functions correctly and identifying potential issues that might affect the sale.
If problems are identified during the inspection, addressing them before listing your property can prevent potential complications during the selling process. Inspection costs can vary significantly based on your location and purpose.
Imagine you’re buying a house—wouldn’t you want to know if there were any issues with the septic system before making such a significant investment? Being proactive about inspections and disclosures protects potential buyers and shields you from legal consequences later on.
You demonstrate honesty and integrity by being upfront about your septic system’s condition and having it inspected by professionals. This can go a long way in building trust with potential buyers and ultimately lead to a smoother selling process.
Septic Tank Installation and Maintenance
When it comes to installing and maintaining a septic tank, understanding the process is crucial to ensure the longevity of your system.
Installation Process
Installing a septic tank involves several crucial steps to ensure proper operation.
Percolation tests are performed to evaluate the soil’s ability to absorb wastewater. It guides the decision on the appropriate size and type of septic system.
Obtaining permits from the local health board is necessary to comply with regulations and codes. The excavation involves digging a hole for the tank and potentially the drain field.
Tank placement is meticulous. It requires precise positioning for optimal functioning. Finally, connecting the system to the home’s plumbing is critical to ensure efficient wastewater flow and treatment.
Specific guidelines govern the installation of septic tanks according to industry standards, and local regulations guarantee their safety and effectiveness.
Proper installation is vital in preventing issues such as groundwater contamination or system malfunctions later.
This process often necessitates professional expertise, especially in soil composition, site assessment, and plumbing connections.
Maintenance
Maintaining a septic tank is vital to its long-term performance. As mentioned, regular pumping every 3-5 years removes accumulated solids and prevents untreated wastewater from backing into the house.
Additionally, inspections of the entire septic system help identify potential issues early on. This diligence allows for prompt repairs and prevents significant malfunctions.
While some might consider this an inconvenience or an unnecessary expense, regular maintenance is crucial in preventing costly repairs caused by neglect or system failure.
Just like preventive maintenance for your car—changing the oil regularly reduces engine wear and prolongs its lifespan—regular maintenance for your septic system can prevent major issues and maintain its functionality for years.
Understanding the installation process and committing to regular maintenance ensures the efficiency and reliability of your septic system. It offers peace of mind while safeguarding your property and the environment.
Services Related to Septic Systems
When you own a home with a septic system, you’re not alone in ensuring everything runs smoothly. Several key players provide the upkeep, repair, and proper functioning of septic systems.
Let’s closely examine some of these parties and their roles.
Homeowners
As a homeowner with a septic system, you have several responsibilities. Regular maintenance is vital to its health. This means being mindful of what goes down the drain and scheduling routine inspections.
Additionally, recognizing signs of potential issues like slow drainage or foul odors can help you catch problems early before they escalate. Being proactive as a homeowner can prevent costly repairs down the road.
Avoid Having a Garbage Disposal
When buying a house with a septic system, it is crucial to avoid installing a garbage disposal. Unfortunately, they kill the system’s life. Premiere Tech advises against using them.
Every septic systems maintenance company I have worked with has said the same thing. When you put food into a disposal, the bacteria needed to break it down in the system can’t handle it.
When you do this, the following happens:
- The capacity of your tank is lower.
- Bacteria cannot do their intended job of treating the wastewater.
- Sludge levels will increase.
All of these things will eventually lead to system failure.
Julia Ray with Raydiant Realty has dealt with a lot of homeowners with septic issues and has this to say:
No flushable wipes or feminine products should be flushed, and nothing but liquid should go down the drain in the kitchen. While disposal is allowed on some septic systems, homeowners should be cautious about not letting any food down the sink. Adding yeast instead of Ridex is a more natural way to break down debris, as it eats away at different types of material.
Overall, try to avoid putting anything other than liquid-type material down your sink when you have a septic system. This will extend the time between pumping, saving you a lot of money.
Maintenance Companies
When purchasing a home with a septic tank, you will hire professional septic tank maintenance companies to perform routine inspections, pump out the tank when necessary, and carry out repairs or replacements.
Being in the real estate industry, I understand how vital this is to ensuring a long life.
These companies have specialized knowledge and equipment to ensure your septic system operates efficiently. Regular maintenance by professionals can extend the lifespan of your septic system and prevent major issues from arising.
I always educate my clients on the need for regular maintenance when they buy a house with a septic system for the first time.
Environmental Regulatory Agencies
Environmental regulatory agencies are critical in overseeing the proper management and disposal of wastewater from septic systems. They establish guidelines and regulations for installing, using, and maintaining septic systems to prevent environmental contamination.
Compliance with these regulations is essential for safeguarding public health and environmental quality.
Manufacturers
Manufacturers of septic system components are essential in supplying high-quality tanks, pipes, valves, pumps, and other parts for adequately functioning septic systems. They often provide warranties and guidelines for maintenance and care, contributing to the system’s longevity.
These groups form a network that supports the proper functioning and maintenance of septic systems. They work together to ensure the environment is protected and homeowners can enjoy efficient waste management without undue stress or worry.
Maintaining a septic system involves a collaborative effort between homeowners, maintenance companies, environmental regulatory agencies, and manufacturers. This intricate network ensures sustainable waste management while protecting public health and the environment.
Conclusion
It always helps to understand the pros and cons of owning a home with a septic tank. Always ask questions before purchasing, and lean on the experts for guidance and help. If there are any questions I can answer, please feel free to ask.
About the Author: Bill Gassett, a nationally recognized leader in his field, provided information on buying homes with septic tanks. Bill has expertise in mortgages, financing, moving, home improvement, and general real estate.
Learn more about Bill Gassett and the publications in which he has been featured. Bill can be reached via email at billgassett@remaxexec.com or by phone at 508-625-0191. For the past 38+ years, Bill has helped people move in and out of Metrowest towns.
Are you thinking of selling your home? I am passionate about real estate and love sharing my marketing expertise!
I service Real Estate Sales in the following Metrowest MA towns: Ashland, Bellingham, Douglas, Framingham, Franklin, Grafton, Holliston, Hopkinton, Hopedale, Medway, Mendon, Milford, Millbury, Millville, Natick, Northborough, Northbridge, Shrewsbury, Southborough, Sutton, Wayland, Westborough, Whitinsville, Worcester, Upton, and Uxbridge MA.
