Answer: You can just till the area and add starter fertilizer then seed your lawn. A soil test is not necessary. Incorporating organic matter is like icing on the cake. It will improve the soil's tilth and make it easier for the roots of your grass to grow, but it is not absolutely necessary. Down the road the soil will compact (4-6 years depending upon the amount of foot traffic) and you'll need to aerate the lawn and spread sand or compost at that time. But that's down the road, not an immediate necessity. I've seeded lawns both ways; with and without incorporating compost. Both grew well but one needed to be aerated sooner than the other. So, do what you can afford to do now and plan on adding organic matter when necessary in about five years. Best wishes with your new lawn.
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