What's actually happening
When toilets back up in summer, wastewater is hitting a wall somewhere between your bowl and the soil. in most cases with a seasonal pattern, that wall is the drain field.
The drain field is where treated water from your tank soaks into the ground. It's a network of perforated pipe in gravel trenches, sized for a certain daily flow.
In summer you push more water through than the field was built to handle, and the soil is already holding moisture. The field can't keep up, the tank backs up behind it, and the closest low fixture (usually a first-floor toilet or basement drain) is where it shows.
Here's the honest part: a field that only backs up in summer is telling you it's aging. It still works in the cool months, but the margin is gone.
The most likely culprits, ranked
Start with the boring stuff because it's usually the answer. An overdue tank pump-out is the single most common cause techs find on service calls.
When solids build up in the tank, they get pushed into the drain field and clog the soil pores. Add a summer water surge and the whole system chokes.
The next suspect is plain saturation. Your field might be fine mechanically but simply overloaded by guests, laundry, and lawn irrigation all at once.
Below that come the harder problems: roots in the lines, collapsed pipe, a high water table drowning the field, or a dead effluent pump on systems that have one.
The good news is you can narrow it down fast without spending much. Cut water use, check the tank level, and walk the field. That triage points you at the right fix.