Well Inspection When Buying a House: What Gets Checked, and What to Do If It Fails
Most well water tests in the country happen because a house is changing hands. Here is what a well inspection covers, what lenders ask for, and, since a failed bacteria test is the most common surprise, exactly how it gets fixed before closing.
What does a well inspection include?
Four things. A flow test that runs the well for a sustained period and measures gallons per minute, which tells you whether the well keeps up with a household. An equipment check of the pump, the pressure tank and switch, the wiring, the cap, and the casing height above grade. A water sample sent to a certified laboratory, at minimum for total coliform and E. coli and nitrate, often with lead and other panels the lender specifies. And the record itself: when the well was drilled, how deep, and by whom, which you can pull yourself from your state's well database before the inspector arrives.
What lenders require
Government-backed loans commonly require a private well to pass a water test from a certified lab before closing, and the panel is set by the loan program rather than the inspector, so ask the lender for the exact list early. Conventional lenders vary. Whatever the loan, get the lab report in your own hands rather than a summary, because the numbers on it are the starting point for everything below.
A failed coliform test before closing is a weekend fix.
Answer a few questions about your well. The kit is from $329, with a lidded mixing pail and a bacteria test before and after. For context, a professional treatment visit can cost up to $500, and it may not include a bacteria test.
What to do if the water test fails
Coliform is the common failure and the fixable one. It means surface water is reaching the well through a loose cap, a low casing, or bad grading, and the fix is to seal the doorway, treat the whole system, and retest, following the coliform guide. In most contracts the seller does the treatment and pays for the retest, and the retest is the thing to insist on. Nitrate is different: treating does nothing for it, the source is the aquifer, and the answer is a treatment system priced into the deal or a harder conversation. Iron, manganese, and hardness are aesthetic results, a filter question rather than a safety one, and our test results guide reads each line of the panel.
What a well inspection costs
It is priced separately from the home inspection, and the lab panel is a separate fee again, so ask for both as line items in writing. The flow test is the part worth paying a well contractor for rather than a general inspector, because a low-yield well is a much bigger problem than a failed bacteria test and far harder to fix. If the well passes and you buy the house, the maintenance checklist is your first year.
Straight answers
Is a well inspection required when buying a house?
Not by law in most places, and often by the lender: government-backed loans commonly require a water test from a certified lab for a private well, and many conventional lenders ask for one too. Even when nobody requires it, the flow test and the lab panel are the cheapest insurance in the transaction.
How long does a well inspection take?
The site visit is an hour or two, most of it the flow test, which runs the well hard long enough to see whether it keeps up. The lab results take days, so schedule the inspection early in the contingency period.
Can a seller treat the well right before the water test?
It happens, and it can mask bacteria for a few days. A good inspector tests the sample for chlorine residual and rejects one that shows any; ask for that check in writing. A well that needed treating right before the test needs the entry point found, not just the water cleared.
How deep should the well be?
There is no right number; depth follows the geology. What matters is the record: total depth, casing diameter, static water level, and the date, which we look up live in 19 states from the address. A well with no record at all is worth a longer conversation with the seller.
Questions this guide answers
Keep reading
Not sure which fix you need? See every well water treatment, matched to its problem.
- How to treat a well
- Iron bacteria in well water
- Iron bacteria in toilet tank
- Rotten egg smell in water
- Coliform in well water
- Low water pressure from well
- Cloudy well water
- Rust stains from well water
- Black slime on faucets
- Metallic taste in well water
- Morning sulfur smell
- Hot water smells like rotten eggs
- Well water test kits
- Well service near me
- Well maintenance checklist
- Iron filters for well water
- Well treatment kits compared
- Chlorine dioxide vs bleach
- Sulfur water filters
- Well pump short cycling
- Well running dry
- How deep is my well
- Selling a house with a well
- E. coli in well water
- Well water treatment
- Well inspection and checklist
- Well flow test
- FHA, VA and USDA well rules
- Well pump repair
- Well pump pressure switch
- Water well drilling cost
Well test reminders, by email
What is in well water this season, and when to test. One topic, one thing to do, with the sources linked.
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