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There are three layers of wastewater in a septic tank: scum (solid waste that floats to the top of the wastewater), liquid (the relatively clean liquid wastewater in between the two other layers), and sludge (solid waste that falls to the bottom of the wastewater). The buildup of sludge is one of the main reasons septic tanks need to be pumped. If the tank is more than 1/3 of the way full with a combination of sludge and scum, it’s time to call a pro for pumping.

You only need to pump the septic tank. The leach field allows the liquid and waste to naturally seep into the ground, so there’s no need to pump the leach field. You should call a local septic tank pumping service to remove the materials from the tank every three to five years. Without pumping the septic tank occasionally, solids could flow into the leach field pipes and clog them.

All municipalities in the U.S. require a permit for septic tank installation or septic system alteration, and the permit will usually cost between $450 and $2,500. Some municipalities also require permits for septic system repair. You’ll either need to contact your local building department or your septic tank company to ask if this is necessary before carrying out the work. Permits are not typically required to have your septic tank pumped, so provided your septic company is licensed, you can move forward with the work as needed.

If your leach field becomes clogged or saturated, it can cause several problems with your home's septic system. The clog can cause sewage to back up into your home, leading to unpleasant odors and mess. A backed-up septic system can be a health hazard, particularly if the sewage starts to leach into the ground surrounding the leach field.

There are several ways to fix a saturated drain field, including cleaning out your septic tank, adding enzymes and additives to your drain system, and installing a larger septic system.