And in New england you'll only be able to use the pool for ~ 4 months unless you enclose it or heat it

Your property taxes will go up.
You might have trouble selling your house if you have a pool.
Lot of liability as well.
I'd just get an above ground.
I've noticed that the prices given on various sites seem to be low. I am in the process of getting estimates now. I have gotten 3 so far. The first thing I can say is there is no "average". Gunite is custom in every way. How they do give prices is by sq footage... for a 700 sq foot pool, we got an estimate for $72,000. This does not include the fencing, the heating tank or its installation(it did include the heater)and it only included 500 sq feet of stamped concrete around the pool and a 50 sq foot swim deck, a 3x6 waterfall and no spa. The 2nd estimate was for a bigger pool, 1000 sq feet. It came out to $111,000, did not include the fencing or the patio area, but included just about everything else. This is with a spa, waterfall, and a 8x16 swim deck. One of the estimates did break it down for us. The pool itself was $43,000, that included nothing but the basics, filter system, 2 lights and I believe a vacuum. I believe it has a lot to do with what region you are in. We are in the NY area. The average price of a typical built in pool is around $30,000. A really cheap one might be built for $20,000 in some parts of the country, but the pool will lack many of the features most people expect in a new pool and very few pool builders will want to build one. If cost is an issue, you might want to consider a below ground pool with a liner rather than a gunite pool. Add a spa, decking, and high end equipment and you can easily be up in the $40,000 to $50,000 range, depending on size. Talk to a few pool owners and pool builders in your area for more detailed information.
http://www.answers.com/Q/What_is_the_cost_for_an_average-sized_gunite_pool