The most important criteria to consider is where your property is located. If it is near water that will definitely change the equation. How large your lot is, is also an important factor because of the distance that needs to be between your well and septic system. If you have an engineer come out, they can tell you whether you can have a regular title 5, which will usually run you under $10,000 to install or whether you may need an alternative system which can be more expensive to install and maintain. If paying for this out of pocket seems daunting, Barnstable County has a loan program just for new septic systems. They have access to millions of dollars and as long as your income is below $150,000 you are eligible for a 5% loan payable over 20 years. Don't hesitate if you have other questions. Even with living here in Wellfleet and being a Realtor who deals with these subjects all the time I know it sometimes gets confusing. The Health and Conservation agent, Hillary Greenburg and her assistant, Andrew Petty are also a great source of information. They are both located in the DPW building on West Main Street.