What Is a Septic Inspection and When Do You Need One?

Here’s what to expect when you’re expecting (a septic inspector)

Worker checking septic tank
Photo: Natalia Kokhanova / iStock / Getty Images Plus / Getty Images
Worker checking septic tank
Photo: Natalia Kokhanova / iStock / Getty Images Plus / Getty Images
Jamie Cattanach
Written by Jamie Cattanach
Contributing Writer
Updated May 10, 2024

Highlights

  • A septic inspection checks for leaks, blockages, and other malfunctions across your septic system and all of its components. 

  • During an inspection, the inspector will come inside to test your sinks and toilets.

  • A comprehensive septic tank inspection costs $550 on average and should be done every two to five years.

  • You’ll have to get a visual tank inspection before buying or selling a home.

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Your septic system performs a vital job, and regular septic inspections are the best way to make sure it keeps running properly. A septic inspection from a vetted professional will ensure your system is free of leaks, blockages, and other malfunctions that could cause a smelly situation. During an inspection, a pro will also determine the fullness level of your septic tank and suggest a pumping timeline based on your usage. Here’s what you need to know about septic inspections, including what they entail and how often you need one.

Common Checks Performed During a Septic Inspection

When you call your local septic tank company for an inspection, they’ll show up with a laundry list of checks to perform. For starters, they’ll need to locate your septic tank and drain field. The location may be obvious, particularly if the system was installed more recently, but in older homes, searching for the components of your system may take some more detective work.

Once they’ve gotten the lay of the land, the septic inspectors will make several assessments. The specifics will depend on whether it’s a visual or full septic inspection. If you’re buying or selling a house, a basic visual inspection is required. However, a comprehensive septic tank inspection, or Title 5 inspection, is a more in-depth, regular part of septic tank maintenance that should be carried out every two to five years.

Visual Septic Tank Inspections

During a visual septic tank inspection, the inspector will ask several questions about the system, including when it was last inspected, how old the house is, and how often the septic tank is pumped out. Your pro will also run water in all the available sites inside your home (sinks, showers, and toilets) in order to assess the water pressure. They’ll also go outside to check the drainage field for pooling, odors, sogginess, or excessive plant growth over the top of the field—all of which can indicate a failure in the system. 

Comprehensive Title V Septic Tank Inspections

During a comprehensive septic tank inspection, all components of the system are evaluated, including the septic tank, leach field, drains, pipes, and pumps that move wastewater between them. The inspector will also come inside your home to perform water tests, just like with a visual inspection.

Here are some more items commonly listed on Title V inspection forms that your pro may talk about or check:

  • Existence or condition of sink garbage disposal

  • Recent water meter readings (sometimes going back two years)

  • Sludge depth

  • Scum thickness

  • Date of most recent pumping

  • Liquid level in distribution box

  • Alarms

  • Slope of land at installation site

The Leach Field

5 parts of a septic system illustrated, including septic tank, drain field, and leach lines

The septic inspector will look at your yard for common leach field problems like standing water, puddles, and other signs that could indicate it’s not working properly. The inspector may also introduce a special dye to your water system that will visually mark its journey through the system (and, ideally, evenly out into your leach field). However, this may not happen until they come into your home—more on that in just a moment. 

The Septic Tank

6 common septic tank parts illustrated, including the access ports, baffle wall, and effluent filter

The inspector will also remove the cover of your septic tank to check the water level inside since too much water could indicate a drainage problem. (Septic tanks should always have some water in them, but it should be 8 to 12 inches below the tank’s surface.)

The inspector may use a tool known as a “sludge judge,” which is essentially a hollowed-out tube, to determine how much sludge and scum are present in the tank. This can help them figure out how soon you’ll need to call a septic pro for pumping. If your tank does need to be pumped as part of the inspection, the inspector will use a flashlight to check the tank for leaks that could cause harmful wastewater to leach out into the surrounding environment. 

Other Components

During a septic inspection, the pro will also look at the components of the system that connect the septic tank to the leach field—namely, the distribution box, which helps ensure wastewater is evenly distributed across the drain field. The pipes that connect the septic tank to the distribution box and those that connect the distribution box to the leach field are also subject to inspection.

Again, the inspector will step inside to try out your water sources and ensure there’s proper pressure and drainage. If they do choose to use a dye, they’ll introduce it to the system from inside your home, flushing it through a drain. The dye will be green. If, after a while, your yard looks like the Chicago River on St. Paddy’s Day, it means your system has failed inspection. A complete dye inspection takes between two and four hours on average.

How Do You Know It’s Time to Have Your Tank Inspected?

Worker opening septic tank cover
Photo: Natalia / Adobe Stock

You should get an in-depth septic inspection once every two to five years. Fortunately, that’s how often septic tanks need to be pumped, anyway, which means you can get both done at the same time.

A well-maintained and regularly pumped septic system can last as long as 20 to 30 years. Although they may seem daunting, regular septic inspections are the key to keeping your system in proper, working order for as long as possible. Your pro will do everything they can to ensure a pain-free inspection process that doesn't interfere with your daily activities too much. 

How Much Does a Septic Inspection Cost?

Full septic tank inspections cost $550 on average, so add this regular expense to your budget. Although it may seem pricey, it’s an investment that can help you avoid repairs, which can be far more damaging to your budget. The average cost to repair a septic tank is over $1,800.

Visual septic inspections may be done as part of the overall home inspection process during the purchase or sale of a home, and the cost should be built into the overall inspection quote.

Frequently Asked Questions

A septic tank always has some amount of liquid in it—which should usually be 8 to 12 inches from the top of the tank. If the liquid level is higher than that or is overflowing the drainage pipe that leads out to the leach field, the tank may be too full and in need of pumping.

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Learn more about our contributor
Jamie Cattanach
Written by Jamie Cattanach
Contributing Writer
Jamie Cattanach is a freelance journalist with over 8 years’ experience writing about homeownership. Her words can be found in outlets like CNBC Make It, The Motley Fool, Yahoo! Finance, HuffPost, Insider, and many others.
Jamie Cattanach is a freelance journalist with over 8 years’ experience writing about homeownership. Her words can be found in outlets like CNBC Make It, The Motley Fool, Yahoo! Finance, HuffPost, Insider, and many others.
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