Theoretically a septic system can last a very long time "if" it was designed correctly to begin with "and" it is cared for EACH year.
Garbage Disposals will place stress on a septic system (unlike a sewer line). It is common for folks to immediately install a garbage disposal when they move into a home that does not have one. If you don't have a sewer line then this is ill advised. "Most" non garbage disposal homes do not have a septic system which has been designed for use with a garbage disposal.
Another hint for septic system owners: Pump the system out once per year regardless of actual use each year (i.e. four months seasonally versus twelve months year 'round). Annual pump outs could make the system last a lifetime.
Regulations and actual locations for septic systems have been changing over the last 50 years and there's no reason to believe that things won't continue to become tougher as time progresses. It has also become a very expensive proposition to do a design and install a new septic system.
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