Water treatment packages & pricing
These are typical installed price ranges. Every home is different, so the final price is set after a free water test. Monthly figures are examples based on the low end of each range.
Whole-Home Carbon Filtration
From $20/mo
Typical installed price: $1,500–$4,000
Example: $1,500 financed at 9.99% APR for 120 months (10 years), $0 down = 120 payments of $19.81. Financing on approved credit through Service Finance Company or Hearth. Actual rates and terms vary by lender and credit. Final price set after free water test.
Single-stage whole-home carbon filtration for chlorine, taste and odor at every tap.
Whole-Home Filter + Softener
From $40/mo
Typical installed price: $3,000–$7,000
Example: $3,000 financed at 9.99% APR for 120 months (10 years), $0 down = 120 payments of $39.63. Financing on approved credit through Service Finance Company or Hearth. Actual rates and terms vary by lender and credit. Final price set after free water test.
Whole-home filtration plus a water softener to stop scale on fixtures, water heaters and appliances.
Filter + Softener + Drinking-Water RO
From $53/mo
Typical installed price: $4,000–$8,000
Example: $4,000 financed at 9.99% APR for 120 months (10 years), $0 down = 120 payments of $52.84. Financing on approved credit through Service Finance Company or Hearth. Actual rates and terms vary by lender and credit. Final price set after free water test.
Whole-home filter and softener, plus an under-sink reverse osmosis system for drinking water.
Full Stack: Filter, Softener, RO + UV
From $66/mo
Typical installed price: $5,000–$10,000
Example: $5,000 financed at 9.99% APR for 120 months (10 years), $0 down = 120 payments of $66.05. Financing on approved credit through Service Finance Company or Hearth. Actual rates and terms vary by lender and credit. Final price set after free water test.
Whole-home filter, softener, under-sink reverse osmosis and UV disinfection. Often a fit for private wells.
Single-Fixture Reverse Osmosis
From $20/mo
Typical installed price: $1,500–$3,000
Example: $1,500 financed at 9.99% APR for 120 months (10 years), $0 down = 120 payments of $19.81. Financing on approved credit through Service Finance Company or Hearth. Actual rates and terms vary by lender and credit. Final price set after free water test.
Reverse osmosis at one faucet for clean drinking and cooking water.
Financing options
- Service Finance Company (primary financing partner)
- Hearth (compare offers from multiple lenders)
Financing on approved credit. Actual rates and terms vary by lender and credit.
Other ways to pay — apply on your own
These are independent options you apply for directly. South Shore Water is not the lender and does not arrange them. Rates below are approximate as of October 2026, are not guaranteed, and change often; check with the lender.
1. 0% intro APR credit cards
Some cards offer 0% intro APR for up to about 21 months. Examples: Wells Fargo Reflect, BankAmericard, U.S. Bank Shield, Chase Slate.
About $95/mo on a $2,000 project over 21 months at 0% intro APR, $0 down, if paid in full before the intro period ends; the card's variable APR applies to any balance after the intro period. Subject to card issuer approval.
2. Credit union personal loans
Mass Bay Credit Union (from about 9.5% APR, terms up to 48 months) and DCU (from about 12% APR). Membership required. On approved credit.
3. Online lenders
Upstart and Upgrade offer loans from $1,000, roughly 6%–36% APR depending on credit. Upgrade offers a rate check that doesn't affect your credit score. On approved credit.
Get your free water test
Find out which package (if any) your water actually needs.