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Generally speaking, it’s absolutely worth it to repair a garbage disposal, so long as it’s eight years old or younger. Once you pass that eight-year threshold, it depends on the issue. If it’s a simple jam and the core components remain unaffected, call a local plumber for a quick repair. If it seems like the motor is wearing down, spring for a replacement unit. 

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.

There are many maintenance and repair issues that lead to a malfunctioning garbage disposal. Regular clogs place wear and tear on the motors, leading to an eventual shutdown. Electrical issues at the breaker, wall outlet, or disposal itself can fry the unit. The most common cause is simply a worn-down motor. These motors can only handle so much use before powering down for good. 

Replacing a garbage disposal costs anywhere from $150 to $950, but the average cost is somewhere around $550. There are two types of garbage disposal units, and continuous feed disposals tend to cost more than batch feed disposals. Going for an aluminum garbage disposal is also significantly cheaper than choosing a stainless steel garbage disposal. You'll also need to factor in the horsepower of the motor, labor, and the removal and disposal of your old unit.