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Septic tanks naturally have bacteria that break down some of the solid waste in the septic tank. However, sludge buildup is just part of owning a septic system. While liquid wastewater can be filtered and treated through the system, a septic tank company has to pump the septic tank out at least every few years.

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.

Saving money on property taxes and having direct control over your waste system are both pros when buying a house with a septic tank. However, it’s easier on the house and the yard if a home can be hooked up to a municipal system, which is why septic tanks are best for homes where that isn’t an option. Expensive repairs, potential odor issues, and regular maintenance are all cons of septic systems. 

A septic system can fail for various reasons, and most commonly, excessive water use or sudden surges in wastewater can overwhelm the system's capacity. Neglecting regular maintenance, like tank pumping and inspections, can also lead to clogs, leaks, and eventual breakdowns. Other issues that lead to failure include age-related wear and tear, root infiltration, improper disposal of non-biodegradable materials or chemicals into the system, unsuitable soil conditions, physical damage, and even environmental factors like flooding or soil erosion.