In general, an inspection will involve the following:
- Review of the system permit, design, and installation records (including system age)
- Review of the septic tank pumping and system maintenance records
- Opening and inspecting all tanks (septic tank, pump tank, distribution box)
- Evaluating the septic tank sludge and scum levels and determining the need to pump
- Assessing the condition of the septic tank effluent filter (if installed)
- Looking for signs of leakage, such as low water levels in the tank
- Looking for signs of backup, such as staining in the tank above the outlet pipe
- Evaluating the integrity of the tank, inlet and outlet pipes and looking for signs of corrosion
- Verifying all electrical connections, pumps, controls, and wiring are intact
- Possibly using a camera to look at solid pipes and leach lines for blockages or collapsed piping
- Evaluating the drainfield for signs of system failure, such as standing water (surfacing) or unequal drainage
- Possibly excavating parts of the drainfield to look for signs of ponding in the system or groundwater impacting the drainfield
- Examining the distribution box for structural integrity and to make sure drain lines are receiving equal flow
- Reviewing other available records on water use and required inspections, monitoring, and reporting to ensure system compliance with local regulations regarding function and permit conditions.
Septic System Regulations
EPA does not regulate single family home septic systems. In most states, local health departments issue construction and operating permits to install septic systems under state laws that govern public health protection and abatement of public nuisances. Some states add water resource protection provisions to their septic system regulations because of the possible impacts from nitrogen and phosphorus.
Under most regulatory programs, the local permitting agency conducts a site assessment to determine whether the soils can provide adequate treatment. These programs ensure that ground water resources will not be threatened, and stipulate appropriate setback distances from buildings, driveways, property lines, and surface waters.
Some states permit alternative systems if conventional soil-based systems are not allowable. Very few permitting agencies conduct regular inspections of septic systems after they are installed.
Regulation of onsite wastewater treatment systems:
- Individual onsite systems are regulated by states, tribes and local governments, not the federal government.
- Large capacity septic systems are regulated under EPA’s Safe Drinking Water Act Underground Injection Well program, large capacity septic systems requirements.
- Systems discharging to surface waters are regulated under EPA’s Clean Water Act National Pollutant Discharge Elimination System program.
- Disposal of sewage sludge (biosolids) and domestic septage are regulated under EPA’s sewage sludge regulation (40 CFR Part 503).
- A Guide to the Biosolids Risk Assessment for the EPA Part 503 Rule describes the risk assessment process that is the basis for the biosolids rule
Septic System Compliance
- What should I do if I witnessed a violation of environmental quality/law from the neglect of a septic system?
- If you have witnessed or are aware of an environmental violation, you can file a complaint with your state or local health department. It is imperative to contact your state or local health department as soon as possible to avoid public and/or environmental health risks. You can also report environmental violations to EPA’s Office of Enforcement and Compliance.
- A property owner may be required to properly remove the abandoned septic tank or drainfield, depending on your state or county rules and regulations. Other rules may allow a system to be abandoned in place where there is little potential for environmental, health, or safety impacts. Contact your local permitting authority (i.e., local health or environmental department) about regulations regarding when and how to properly handle an abandoned septic system in your area.
Paying for Septic Systems
- How can I pay for my septic system? Are there grants or loans available to help me pay for the repair or replacement of my septic system or to buy a new one?
- In addition to EPA, there are national financing programs available through the U.S. Department of Agriculture (USDA), as well as other agencies.
- EPA
- Clean Water State Revolving Fund (CWSRF) provides assistance for the repair or replacement of failing decentralized systems. Each state’s CWSRF program is responsible for selecting the projects that receive assistance. You can contact your CWSRF state representative to learn more about the application process and eligibility requirements.
- Nonpoint Source (NPS) voluntary program provides grants and technical assistance to states, territories, and tribes to address nonpoint sources of pollution, including failing septic systems. Depending on your state’s NPS management program, grants may be available to construct, upgrade, or repair individual septic systems. Please note that individual homeowners are not eligible to directly receive grant assistance through this program, as the grants are typically provided to watershed organizations that are actively implementing watershed-based plans to restore impaired waterbodies.
- Rural Home Loans Program offers loan assistance to low and very low-income applicants. The amount of assistance is determined by the adjusted family income. Funds can be used to build, repair, renovate, or relocate a home, or to purchase and prepare sites, including providing water and sewage facilities (Rural Home Loans Program Fact Sheet).
- Single-Family Housing Repair Loans and Grants Program offers grants and low-interest loans to repair, improve, or modernize rural single-family homes or grants to elderly very-low-income homeowners to remove health and safety hazards, including septic systems. Loans may be used on repairs and improvements and grants must be used to remove health and safety hazards. The maximum loan amount is $20,000 and the maximum grant amount is $7,500 (Single-Family Housing Repair Loans and Grants Program Fact Sheet).
- Rural Decentralized Water Systems Grant Program offers grants to rural homeowners. Grant funds may be used to help a nonprofit create a revolving loan fund for eligible individuals who own and occupy a home in an eligible rural area. The fund may be used to construct, refurbish, or service individually-owned household water well and septic systems. Terms for the loans include one percent fixed interest rate, 20-year maximum term, and an $15,000 maximum loan per household (Rural Decentralized Water Systems Grant Program Fact Sheet).
- U.S. Department of Housing and Urban Development (HUD) provides funds to states through community development block grants. The grants fund various projects, including rehabilitation of residential and nonresidential structures, construction of public facilities, and improvement of water and sewer facilities.
- U.S. Economic Development Administration (EDA) administers various funding programs to promote collaborative regional innovation, public/private partnerships, national strategic priorities, global competitiveness, and environmentally sustainable development.
Financing Options EPA CWSRF | EPA NPS | USDA Rural Home | USDA Single-Family Housing | USDA Rural Decentralized | HUD | EDA |
Criteria |
Individuals Over 65 Years Old | X | X | X | X | X |
Low-Income Households | X | X | X | X | X |
Tribal Nations | X | X | X | X | X | X | X |
Nongovernmental Organizations and/or Community Banks | X | X | X |
States | X | X | X | X |
Local/County Governments | X | X | X |
For additional information, visit EPA's Funding for Septic Systems or Water Finance Clearinghouse. The Clearinghouse is an easily navigable web‐based portal to help communities locate information and resources that will assist them in making informed decisions for their drinking water, wastewater, and stormwater infrastructure needs, which includes septic system financing and assistance.
Environmental / Public Health Impacts from Septic Systems
- Do septic systems impact water quality?
- In general, a properly installed, sited and maintained septic system should not adversely affect water quality. In some cases, the design may require advanced treatment to reduce the wastewater strength, impacts of nitrogen contamination, or include disinfection when there are properties in close proximity to surface waters.
- If the system is failing or is an older system that is discharging directly into the groundwater, the wastewater is not treated to reduce pathogens or nutrient levels. If this discharge is in close proximity to a water body, it may negatively impact water quality.
- Examples of these impacts may include: