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You can check your own septic tank, but take precautions. Locate the access lid, usually buried a few inches underground, and remove it carefully. Look for the sludge and scum levels, and if they’re high, that means pumping may be necessary. Check for odors, slow drains, or pooling water around the drain field, which could indicate issues. Never enter the tank, as toxic gases can be fatal. All of that being said, a professional inspection is safer and more thorough.

A septic tank always has some amount of liquid in it—which should usually be 8 to 12 inches from the top of the tank. If the liquid level is higher than that or is overflowing the drainage pipe that leads out to the leach field, the tank may be too full and in need of pumping.

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. 

Watch for slow drainage, pooling water in the yard, or unpleasant odors inside or outside. Addressing these issues timely avoids significant disruptions or costs.