You need to mention where you live, and what size/fanciness of pool you envision.

The price depends on many many factors. Our gunite, inground, 23x16 pool cost about $40k in a high cost of living area in Southern California (2 years ago). We had estimates ranging from 32k to 60k.

Is a vinyl pool not an option in your area? What type of options did your quote include (e.g. spa, water features lighting, landscaping finishes and plantings). Your fibreglass quote seems a bit high so I am guessing it is a larger size or your location has access challenges.

We are in Indiana. 18x36 liner pool. salt. light. heater. cleaner. etc. just over $50k

If that is in US dollars, that is significantly more than we paid although our pool is smaller 15 X 30' ($47K CDN). But we are in Canada and I have learned that a number of factors impact your pool pricing beyond the materials, labour and equipment. Things like, access, difficulty of installation, retaining wall requirements, features, patio stones etc. Not to mention demand in your area. If you aren't sure which direction to take you should factor in the longer term maintenance cost of each type of pool. We originally liked the idea of fibreglass because they seem indestructible but when we polled our friends and neighbours about the durability of their vinyl liners, they had only positive things to say. Fibreglass is not yet common in my area and there are very few gunite pools here as well so I can't speak to those types of pools.