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Using Rainwater for Toilets, Laundry, and Other Indoor Plumbing Needs

Writer: Staff Desk Staff Desk
A woman looks surprised under a sink as water leaks from pipes into a blue bucket. Bright kitchen setting, creating an urgent mood.

Table of Contents

  1. Introduction

  2. Overview of Rainwater Harvesting in the U.S.

  3. Above-Ground Tanks

    • 3.1. Features and Construction

    • 3.2. Advantages

    • 3.3. Disadvantages

  4. Underground Tanks

    • 4.1. Features and Construction

    • 4.2. Advantages

    • 4.3. Disadvantages

  5. Cost Considerations

  6. Installation Complexity and Requirements

  7. Maintenance and Longevity

  8. Regulatory Factors

  9. Making the Right Choice for Your Home

  10. Conclusion

  11. References


Rainwater harvesting has gained significant traction across the United States as a practical strategy to conserve water, reduce utility bills, and increase a home’s overall resilience. At the heart of any rainwater harvesting system is the storage tank, which collects and holds the water that falls onto your roof or other catchment surface.


When choosing between above-ground or underground storage tanks, factors like budget, space constraints, local climate, aesthetics, and regulatory requirements play a major role. This blog will guide you through these considerations so you can make an informed decision that aligns with your goals and circumstances.


In many parts of the country—particularly drought-prone regions—rainwater harvesting can offer a reliable supplementary water supply. States like Texas, Arizona, Colorado, and California have developed specific guidelines and incentives to encourage responsible water reuse. As more American homeowners seek sustainable solutions, above-ground and underground tanks have emerged as the two primary storage options for residential rainwater harvesting systems.


3. Above-Ground Tanks

3.1. Features and Construction

Above-ground tanks, also known as surface tanks, are typically made from materials such as:

  • High-density polyethylene (HDPE)

  • Fiberglass

  • Corrugated steel

  • Flexible bladder tanks

These tanks are installed on a stable, level surface—often concrete or a well-prepared gravel base—next to the house or another accessible location on the property.

3.2. Advantages

  1. Lower Installation Costs

    • Above-ground installations are generally simpler and less labor-intensive. You often just need a suitable level pad, basic plumbing connections, and possibly a pump if you plan to distribute water throughout the home.

  2. Easy Inspection and Maintenance

    • Since the tank is fully visible, identifying leaks or structural issues is straightforward. Maintenance tasks like cleaning and repairing can be performed with fewer specialized tools.

  3. Shorter Installation Time

    • With no excavation required, most above-ground tanks can be installed and operational within a few days.

  4. Adaptability

    • If you decide to move or replace your tank, it is relatively easy to disassemble and relocate an above-ground system.

3.3. Disadvantages

  1. Aesthetic Concerns

    • Large tanks can be visually intrusive, which might not align with neighborhood aesthetics or homeowners’ association (HOA) guidelines.

  2. Temperature Fluctuations

    • Above-ground tanks are more susceptible to extreme heat or cold. This can influence water temperature, promote algae growth (especially if the tank is translucent or lightly colored), or lead to freezing in colder climates.

  3. Space Requirements

    • Depending on capacity, these tanks can occupy substantial yard space, potentially limiting landscape design.

  4. Vulnerability to Weather and UV Radiation

    • Tanks exposed to direct sunlight may degrade faster, particularly if not properly UV-stabilized. Severe weather events, such as hurricanes or tornadoes, can also dislodge or damage above-ground tanks.

4. Underground Tanks

4.1. Features and Construction

Underground rainwater storage tanks are typically constructed from:

  • Concrete

  • Polyethylene or polypropylene (reinforced for underground use)

  • Fiberglass

These tanks are installed below the surface of the ground, requiring excavation and careful backfill. The location and depth depend on factors like local frost lines, soil conditions, and the capacity required.

4.2. Advantages

  1. Space-Saving and Aesthetic Appeal

    • Underground tanks are hidden from view, leaving your yard open for landscaping or other uses. This can be especially advantageous in smaller or highly regulated neighborhoods.

  2. Stable Water Temperature

    • Being below ground level helps insulate the tank, reducing the risk of freezing in winter or overheating in summer. This temperature stability can also deter algae growth.

  3. Protection from the Elements

    • Underground placement shelters the tank from UV rays, weather extremes, and physical damage from storms or debris.

4.3. Disadvantages

  1. Higher Installation Costs

    • Excavation, specialized materials (e.g., reinforced tanks), and professional labor can make underground tanks significantly more expensive to install than above-ground systems.

  2. Complex Maintenance and Inspection

    • Accessing an underground tank often requires lifting heavy covers, entering confined spaces, or using specialized equipment. This can complicate routine inspections or repairs.

  3. Potential for Leakage or Groundwater Contamination

    • If installed incorrectly or if soil conditions are poor, underground tanks can shift or crack, allowing groundwater to seep in or stored water to leak out.

  4. Local Soil and Water Table Considerations

    • High water tables, rocky terrain, or unstable soil can make underground installations impractical or cost-prohibitive.

5. Cost Considerations

Above-Ground Tanks

  • Initial Cost: Typically lower, especially for smaller tanks. A simple 300- to 500-gallon poly tank could cost anywhere from $200 to $1,000, excluding installation.

  • Installation: Generally minimal site prep (like leveling ground or pouring a small concrete pad) plus plumbing.

Underground Tanks

  • Initial Cost: Can range widely, from $1,000 for smaller pre-cast concrete tanks to tens of thousands of dollars for large-capacity reinforced systems.

  • Installation: Excavation, backfill, potential use of heavy machinery, and specialized labor all add to the cost.

Other factors include:

  • Pumps and Filtration for Your Plumbing Needs

    Both systems often require a pump to distribute water, especially when considering your plumbing needs for household fixtures or irrigation with sufficient pressure. Filtration needs vary based on intended water use (potable vs. non-potable), ensuring your plumbing needs are met efficiently and safely.

  • Permits and Inspections: Depending on local regulations, you may need a permit for the tank and for integrating the harvested water into household plumbing.

6. Installation Complexity and Requirements

  • Permits and Zoning: Some municipalities classify large water storage tanks as structures, requiring permits. Underground tanks may trigger additional inspections due to excavation and soil disturbance.

  • Soil Testing: Particularly for underground tanks, soil composition and stability must be assessed to ensure proper installation.

  • Frost Line Depth: In colder regions, underground tanks must be placed below the frost line to avoid damage from freezing and thawing.

  • Access to Electricity and Plumbing Lines: Pumps require power, and you may need to run piping from the gutter system to the tank and from the tank to the points of use.

7. Maintenance and Longevity

Above-Ground Tanks

  • Inspection Frequency: Every few months, or after major storms, to check for leaks, algae growth, or UV damage.

  • Cleaning: Draining and cleaning the interior can be done relatively easily.

  • Lifespan: Depending on material and exposure, well-maintained above-ground tanks can last 15–25 years or more.

Underground Tanks

  • Inspection Frequency: Annual or semi-annual checks are recommended, but these can be more involved.

  • Cleaning: May require pumping out the tank and professional cleaning or inspection services.

  • Lifespan: Quality materials and professional installation can yield a lifespan of 20–30 years or more, especially for concrete tanks.

8. Regulatory Factors

Rainwater harvesting regulations differ widely across the United States. Key considerations include:

  1. State-Level Laws: Some states encourage rainwater harvesting with rebates or tax incentives (e.g., Texas, Arizona). Others have more stringent guidelines (e.g., Colorado historically limited catchment but has since relaxed some restrictions).

  2. Local Building Codes: Zoning regulations, setback requirements, and plumbing codes may dictate where tanks can be placed and how they must be installed.

  3. Health and Safety Codes: If you plan to use harvested rainwater for potable purposes, advanced filtration and disinfection systems may be required. Check the Uniform Plumbing Code (UPC) and local amendments.

For the most accurate, up-to-date information, consult your city or county’s water department, planning office, or local extension services.

9. Making the Right Choice for Your Home

The decision between an above-ground or underground rainwater storage tank ultimately depends on:

  1. Budget: Consider not only the tank cost but also installation, maintenance, and potential future repairs.

  2. Property Constraints: Evaluate available space, soil conditions, and how visible you’re willing for your tank to be.

  3. Climate: Harsh winters or extremely hot summers may steer you toward one option.

  4. Personal Aesthetics: Underground tanks preserve the look of your landscape, while above-ground tanks are simpler and cheaper.

  5. Long-Term Goals: If you plan to expand your system later, a modular above-ground system may be easier to upgrade, while a larger underground cistern might be preferable for significant water storage from the outset.

10. Conclusion

Rainwater harvesting is a versatile, eco-friendly solution that can help reduce water bills, conserve resources, and contribute to household self-sufficiency. Whether you opt for an above-ground or underground tank, careful planning and adherence to local regulations will ensure you reap the full benefits.

  • Above-Ground Tanks are cost-effective, straightforward to install, and easy to maintain. They suit those with tighter budgets or those who prioritize accessibility.

  • Underground Tanks offer superior aesthetics, stable water temperatures, and protection from the elements but require a larger investment, more complex installation, and specialized maintenance.

By weighing these factors—along with your climate, local regulations, and personal preferences—you can select the storage solution that meets both your current and future water needs.


11. References


Disclaimer: Rainwater harvesting laws and building codes vary by state and municipality. Always consult local regulations and consider hiring a professional for installation to ensure compliance and safety.

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