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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 you’re not using a septic system, problems with your home’s plumbing won’t cause this—it’s a city problem. A large blockage in the municipal sewage lines may cause those lines to back up into your home. This is extremely unpleasant and can be a serious health risk due to bacteria and other contaminants. If this occurs, call a pro (or your city) immediately.

There are a few signs that you might notice if your drain field is bad. For starters, if you see standing water or soggy grass above your drain field, it could mean that it isn’t working correctly. Or, if your yard smells like sewage, it could also indicate that there’s a problem with your drain field. Repairing a drain field costs an average of $2,000 to $15,000.

Your garbage disposal will only affect the health of your septic tank if you’re using it too frequently, or filling it with organic waste that doesn’t fully break down. If the tank fills up with too many solids, the bacteria won’t have enough time to consume it before more is added, which can lead to an overflow in the drain field. Your tank will need to be pumped more frequently with excessive or improper garbage disposal use.