cost of living aboard a sailboat

Cost of Living On A Sailboat (Monthly Breakdown)

The cost of living on a sailboat full-time is approximately $1,880 per month or $22,560 per year.

Please keep in mind that the cost of living on a sailboat can vary depending on your specific location, the condition of the vessel, the size of the boat and your boating experience.

The cost of living on a sailboat can be broken down into 9 monthly expenses including:

• Boat Marina Fees
• Boat Insurance Cost
• Boat Maintenance Fees
• Fuel Expenses
• Grocery Costs
• Boat Gear Costs
• Entertainment Costs
• Internet Costs
• Miscellaneous Costs

Below is a cost of living on a sailboat table summary.

1. Boat Marina Fees

The first cost to consider when living on a sailboat is the marina fees/slip fees.

The marina costs for a sailboat are approximately $10 to $20 per foot per month.

For example, a sailboat owner with a boat size of 30 feet will typically pay between $300 and $600 per month in slip fees to stay at a marina.

A marina will charge a boat owner on a per-foot basis based on the length of the vessel.

The size of the boat and the location of the marina will have a large influence on the price charged to boat owners with marinas in Florida typically being the most expensive in America compared to other locations.

Paying marina fees gives boat owners access to boat cleaning services, electricity, internet access, pump-out services and facilities, waste removal services and a marine store.

Some boat owners prefer anchoring which is free of charge. Anchoring can be the best option during warmer months from April until November when marina facilities are needed less.

Boat marina costs can be reduced by mooring in cheaper marina locations, only using the marina when necessary or anchoring the boat off the coast away from the marina.

2. Boat Insurance Cost

The second cost to consider when living on a sailboat is the boat insurance fee.

The cost of sailboat insurance is approximately $55 per month or $660 per year.

This is an approximate cost for the average sailboat owner living onboard their vessel in America.

According to Progressive , the annual Progressive boat insurance policy cost for the insurance policies they issued to boat owners in America ranged from $250 to $700 per year.

To get an accurate boat insurance cost for your specific sailboat, contact marine insurance providers for quotes.

The cost of boat insurance will vary based on the size, location and condition of the sailboat as well as a boat owner's experience and claims history.

Typically, the boat insurance cost will be 1% to 4% of the total retail value of your sailboat.

Boat insurance is the most expensive in locations that suffer from hurricanes like Florida and Texas.

Boat insurance costs can be reduced by browsing insurance providers, using cheaper sailboats, using the boat in lower-risk areas and increasing your boat experience.

3. Boat Maintenance Costs

The third cost to consider when living on a sailboat is the maintenance cost.

The average cost of sailboat maintenance is $250 per month or $3,000 per year.

A sailboat's maintenance cost can vary based on the condition, size, age and location of the sailboat as well as the boat owner's experience with repairing and maintaining the boat.

Boat maintenance cost includes paying for spare parts, cleaning supplies, boat paint, engine services, repairing fridges, electronics, lines, cookers, windows, seats, toilets, deck materials etc.

Boat maintenance costs can be reduced by using second-hand parts, manually repairing the sailboat yourself and treating the boat with care.

4. Fuel Expenses

The fourth cost to consider when living on a sailboat is the fuel cost.

Sailboat fuel costs approximately $150 per month or $1,800 per year.

Sailboat fuel costs include paying for diesel or gas for the boat engine and buying propane fuel for sailboat heating and cooking while living onboard.

The factors that affect the sailboat fuel costs are the location, weather, size and condition of the boat as well as the frequency of use.

In the winter, sailboat fuel costs tend to rise whereas they are cheaper in the months from April until September.

To reduce the fuel costs of a sailboat, use the sails more often rather than the boat motor. Sailboat fuel costs can also be reduced by only traveling when it is the optimal time for the current which can make a large difference in fuel efficiency.

5. Grocery Costs

The fifth cost to consider when living on a sailboat is the groceries cost.

The cost of groceries when living on a sailboat is approximately $450 per month or $5,400 per year.

Grocery costs include paying for food, drinks, bathing supplies and kitchen cleaning supplies.

The grocery costs remain the same year-round. To reduce the grocery costs when living onboard a sailboat, boat owners can choose to catch fish by fishing from their boat. However, this will only cause a small reduction.

A saltwater-to-freshwater converter can be used to get a fresh supply of drinkable water without having to spend money on buying drinks. This will only cause a small reduction in costs too.

6. Boating Gear Costs

The sixth cost to consider when living onboard a sailboat is boating gear costs.

The approximate cost of boating gear when living on a sailboat is $100 per month or $1,200 per year.

Boating gear costs include paying for gear like sailing sunglasses, sailing jackets, swim gear, fishing gear, sunscreen, wetsuits, sailing hats, fire blankets, and general boating accessories.

The boating gear cost is the most expensive in the winter months when extra sailing clothing is needed to keep warm.

To reduce the cost of boating gear, take good care of your current boat gear to ensure it lasts longer and purchase high-quality boating accessories that will last for a long time.

7. Entertainment Cost

The seventh cost to consider when living onboard a sailboat is the entertainment cost.

The cost of entertainment when living on a sailboat is approximately $200 per month or $2,400 per year.

Entertainment costs include paying for tv subscriptions, board games, dining out, trips to the cinema, etc.

The entertainment costs will not change throughout the year.

To reduce entertainment costs, find free entertaining activities to do rather than spend money for entertainment.

8. Internet Costs

The eighth cost to consider when living on a sailboat is internet costs.

The cost of the internet when living on a sailboat is approximately $100 per month or $1,200 per year.

Internet costs include paying for a 4G/5G connection or satellite internet connection. It includes paying for a wi-fi router to connect to the sailboat too.

To reduce the internet cost on a sailboat, anchor the boat at marinas with a Wi-Fi connection included in the slip fees.

9. Miscellaneous Costs

The ninth cost to consider when living on a sailboat is the miscellaneous costs.

The miscellaneous costs when living on a sailboat are approximately $125 per month or $1,500 per year.

Miscellaneous costs will typically remain the same throughout the year without much change.

Miscellaneous costs include costs associated with buying items like boat rugs, personal care items, boat care basics, coolers, boating decor, cooking utensils etc.

To reduce the miscellaneous costs, reduce the number of general boating items purchased and ensure the items that are purchased are of good quality so they last longer.

Frequently Asked Questions About The Cost Of Living On A Sailboat

Below are the most commonly asked questions about the cost of living on a sailboat.

How Much Does A Large Sailboat (Over 50ft) Cost To Live On?

The approximate cost to live on a large sailboat (over 50ft.) full-time is $3,200 per month or $38,400 per year.

What Is The Most Expensive Cost Associated With Living On A Sailboat?

The most expensive cost associated with living on a sailboat is the marina slip fees which are a monthly cost of $10 to $20 per foot of boat size.

How Can The Cost Of Living On A Sailboat Be Reduced?

The cost of living on a sailboat can be reduced by using the sails instead of boat fuel to power the boat when traveling, mooring the sailing vessel in a cheaper marina or anchoring outside a marina, browsing for cheaper marine insurance policies, ensuring care when using the vessel to keep repair costs low, downsizing to a smaller sailboat and keeping entertainment costs to a minimum by finding cheaper or free entertainment alternatives.

How Much Does it Cost to Live on a Sailboat? (The Ultimate Guide)

Have you ever dreamed of living on the open sea? If so, youre not alone: more and more people are making the switch to living aboard a sailboat. But how much does it actually cost to live on a sailboat? In this ultimate guide, well cover the different types of sailboats and their prices, the monthly costs of living on a sailboat, the benefits and necessary supplies and equipment, how to find affordable sailboats, the pros and cons of living on a sailboat, and resources for those interested in living on a sailboat. So whether youre a seasoned sailor or a complete beginner, this guide will help you navigate the world of sailboat living. Get ready to start your new life on the sea!

Table of Contents

Short Answer

The cost of living on a sailboat can vary greatly depending on the size and type of boat you choose, as well as the amenities you want on board.

Generally, the average cost of living on a sailboat is between $1,000 and $2,500 a month.

This includes costs for maintenance, fuel, docking fees, food, and other supplies.

Additionally, if you plan to sail extensively, you should also factor in the cost of navigation charts and other safety equipment.

Different Types of Sailboats and Prices

When it comes to living on a sailboat, there are many different types of sailboats to choose from, with varying costs associated with them.

For the most part, the cost of a sailboat will depend on its size, features, and condition.

Smaller boats, such as dinghies and day-sailers, will generally be the least expensive, ranging from a few hundred dollars to a few thousand dollars.

Mid-sized sailboats, such as cruisers and sloops, will typically cost between $10,000 and $50,000.

And larger boats, such as yachts and sailboats with multiple cabins, can cost anywhere from $50,000 to hundreds of thousands of dollars.

In addition to the cost of the sailboat itself, there are also other expenses to consider, such as fuel, dockage, insurance, and maintenance.

Fuel costs will vary depending on the size and type of boat, as well as the frequency of use.

Dockage fees will also vary depending on the location and type of facility.

Insurance costs will depend on the size, age, and value of the boat.

And maintenance costs can range from a few hundred dollars to several thousand dollars, depending on the type and frequency of maintenance required.

All of these costs should be taken into consideration when determining the overall cost of living on a sailboat.

In addition, it is important to factor in the cost of food, supplies, and any other miscellaneous expenses that may arise while living on a sailboat.

Monthly Costs of Living on a Sailboat

Living on a sailboat can be a unique and cost-effective way to live.

Monthly costs of living on a sailboat vary greatly depending on a number of factors, such as the size and features of the boat, the route chosen, and the location.

Generally, living on a sailboat can range from as little as $1,000 per month to as much as $5,000 per month, with an average cost of around $2,500 per month.

This cost typically includes expenses such as fuel, dockage, insurance, and maintenance.

For those looking to live on a sailboat, the cost of living can be significantly lower than traditional housing costs.

For example, a sailboat with a cabin can provide a comfortable and affordable place to live that is far less expensive than a traditional house or apartment.

In addition, living on a sailboat eliminates the need for a traditional commute, meaning that transportation costs can be reduced or eliminated altogether.

When planning to live on a sailboat, it is important to consider all of the associated costs.

Fuel costs can be one of the most significant expenses associated with living on a sailboat, as the cost of fuel can vary significantly depending on the route chosen.

Dockage fees can also be a major expense, as these fees can vary greatly depending on the location and type of dock.

Insurance and maintenance costs should also be taken into consideration when budgeting for a sailboat lifestyle.

Finally, it is important to consider the cost of living on a sailboat compared to traditional housing costs.

While living on a sailboat may be more cost effective in the long run, it is important to consider the up-front costs associated with purchasing and outfitting a boat for living.

Additionally, living on a sailboat requires additional planning and flexibility, as the route chosen may affect the cost of living.

Overall, living on a sailboat can be a unique and cost-effective way to live.

By carefully planning and budgeting for all associated costs, it is possible to live on a sailboat for significantly less than traditional housing costs.

Benefits of Living on a Sailboat

Living on a sailboat can offer a unique and cost-effective way of life.

Not only are there financial benefits, there are many other advantages to this lifestyle.

The freedom and sense of adventure that comes with life on the open seas can be extremely rewarding.

Additionally, living on a sailboat can provide an opportunity to explore new destinations, meet new people, and experience new cultures.

There are also environmental benefits to living on a sailboat.

The use of renewable energy sources, such as solar power and wind power, can reduce your overall carbon footprint.

Additionally, the use of a sailboat can reduce your reliance on fossil fuels and minimize your contribution to air pollution.

Finally, living on a sailboat can allow you to enjoy a simpler lifestyle with less material possessions.

This can provide a sense of peace and contentment, as well as a chance to reconnect with nature and the world around you.

Necessary Supplies and Equipment

Living on a sailboat is an exciting and unique lifestyle that can be surprisingly cost-effective.

But before you can get underway, you need to make sure you have all the necessary supplies and equipment.

While the exact costs of these items will depend on the size of the boat and the features you choose, there are some basics that every sailor needs.

First, you’ll need a boat.

There are many different types of sailboats available, ranging in size from small dinghies to large luxury yachts.

As such, the cost of a boat can vary greatly.

But if you’re just starting out, you may want to look into buying a used boat, which can be much more affordable.

In addition to the boat itself, you’ll also need to buy the necessary safety equipment, such as life jackets and flares.

You’ll also need navigational tools, such as charts and a compass, as well as anchor and mooring lines.

Finally, you’ll need to purchase supplies for the boat, such as spare parts, tools, and fuel.

You may also want to invest in some additional items, such as a watermaker or a generator.

These can be expensive, but they can make your life on the boat much more comfortable.

All in all, the cost of setting up your sailboat can vary greatly depending on the size and features of the boat, as well as the supplies and equipment you choose.

But with careful planning and budgeting, you should be able to get your boat ready to sail without breaking the bank.

How to Find Affordable Sailboats

When it comes to finding an affordable sailboat to live on, there are a few different options to consider.

The first is to look for used boats that are in good condition and available at a discounted price.

Many owners are willing to sell their boats at a lower price if they can find a buyer quickly.

It is important to inspect the boat thoroughly and ensure that it is in good condition before purchasing.

Another option is to look for boats that are available for rent.

Many boat owners are willing to rent out their vessels for a much lower price than what it would cost to purchase the boat.

This can be a great option for those who are looking to try living on a sailboat before committing to buying one.

Finally, it is possible to build your own sailboat.

This can be a great way to keep costs down, however, it is important to ensure that you have the proper skills and experience in order to build a safe and seaworthy vessel.

It is also important to consider the cost of materials and labor when calculating the cost of building a sailboat.

Pros and Cons of Living on a Sailboat

Living on a sailboat can be a unique and cost-effective way to live, but it’s important to weigh the pros and cons before making the decision to set sail.

On one hand, living on a sailboat can provide a sense of freedom, adventure, and a unique lifestyle that can’t be found anywhere else.

You will have to opportunity to explore places that most can only dream of, and you can experience a sense of satisfaction that comes from the challenge of maintaining and navigating a boat.

On the other hand, living on a sailboat can be difficult in terms of space and comfort.

You will need to make sure that you have enough space for all of your belongings, and you will need to be prepared for cramped quarters.

Additionally, living on a sailboat requires a certain level of skill and knowledge, which can be difficult to acquire if you’re not already an experienced sailor.

It is also important to consider the costs associated with living on a sailboat.

While the cost of living on a sailboat can be much lower than traditional housing costs, there are still many expenses to consider, such as fuel, dockage, insurance, and maintenance.

Additionally, you will need to budget for any unexpected costs, such as repairs or emergency supplies.

Overall, living on a sailboat can be a rewarding experience, but it’s important to take the time to weigh the pros and cons before making the decision to set sail.

Resources for Those Interested in Living on a Sailboat

For those interested in living on a sailboat, there are a variety of resources available to help you make an informed decision.

First, it is important to research the cost of living on a sailboat and the different expenses associated with it.

Knowing the average costs of living on a sailboat, as well as the costs associated with the boat, can help you budget accordingly and make an informed decision.

Additionally, it is important to research the location and routes you will take.

Weather patterns, sea conditions, and other factors can affect the cost of living and the type of boat that is most suitable for the trip.

There are several online resources that provide information on local sailing routes and the best times to sail.

It is also important to research the type of boat you will be living on.

Different boats will offer different features, costs, and benefits, so it is important to research the different types of boats and determine which boat is best suited for your needs.

Additionally, you should research the different types of insurance available for your boat, as well as the cost of maintenance and repairs.

Finally, it is important to research the different types of dockage available for your boat.

Different locations will offer different types of dockage, and it is important to determine what is available for your boat before making a decision.

Additionally, you should research the cost of dockage and other fees associated with living on a sailboat.

With the right research and preparation, you can make an informed decision and ensure that you are prepared for your voyage.

Final Thoughts

Living on a sailboat can be a surprisingly cost-effective way to live.

With the right boat and supplies, the cost of living can range from $1,000 to $5,000 per month, with an average cost of about $2,500 per month.

There are many benefits to living on a sailboat, from the freedom of being able to travel to the cost savings of traditional housing.

For those interested in living on a sailboat, the ultimate guide outlined above provides all the information needed to make an informed decision.

So why not take the plunge and start living the life of your dreams on a sailboat?

James Frami

At the age of 15, he and four other friends from his neighborhood constructed their first boat. He has been sailing for almost 30 years and has a wealth of knowledge that he wants to share with others.

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6 Most Affordable Liveaboard Sailboats

Liveaboard sailboats in clean and operational condition cost anywhere between $10,000 and $30,000, but some excellent vessels cost less.

Finding an affordable sailboat can greatly reduce the overall cost of living the liveaboard lifestyle. Some sailboats that have full-time living accommodations can be found for less than $20,000, making them highly affordable compared to many alternatives.

Table of contents

What Constitutes a Liveaboard Sailboat?

Everybody's definition of a liveable sailboat varies, but there are a few benchmarks we can use to determine if a boat is suitable to become a full-time residence.

Choosing the right liveaboard sailboat starts with deciding what you need to be comfortable. Everything is a tradeoff onboard a sailboat, but carefully-designed cabins and facilities can help improve your quality of life. Here are a few things to look for when choosing the best affordable liveaboard sailboat.

Overall Size

Size is one of the most important factors when considering a sailboat to live on . Small boats that are less than 20 feet in length are almost always too small for comfortable and clean living. The ideal liveaboard sailboat is usually between 25 and 35 feet in length.

That said, sailboat length isn't the only factor that determines liveability. Some sailboats share the same length but have vastly different accommodations. For example, the Cal 20 has barely any usable cabin space, while the Flicka 20 is suitable for long voyages.

Headroom is key for comfortable living on a sailboat and should be considered separately from the overall length. Most sailboats over 27 feet in length have at least six feet of headroom, which is considered "standing headroom" by most people in the industry.

Some vessels may have standing headroom in parts of the cabin, but not all of it. In these situations, you may find a cabin roof bulge over the galley (where standing is necessary), but these vessels often drop the ceiling a few inches over the sitting areas of the cabin and the V-berths.

What kind of galley does your ideal sailboat have? Cooking is an essential part of daily life, and some sailboats have more than enough cooking and cleaning equipment on board.

Before choosing a sailboat, decide how much galley equipment (and what kind) that you'll need. A stove and a sink are essential, but an icebox, oven, and a refrigerator are certainly nice to have.

The head is the sailboat's bathroom. Many boats come equipped with a porta-potty or similar temporary facilities, but the best affordable liveaboard sailboats have a permanent toilet and showering facilities.

Often, liveaboard sailboats have a shower/sink combo, where the faucet transforms into a shower. Holding tanks for the fresh, gray, and black water are larger on bigger boats, so consider your access to pumping facilities before deciding on a sailboat.

How easy is it to hook your boat up to power and water? Modern connections are essential for convenience on a liveaboard sailboat . If you're looking in the low price range, it's important to inspect the condition of the vessel's systems—especially its electrical wiring.

Check the wiring and make sure all (or most) of the outlets, lights, and pumps are operational. Several broken electrical parts and dead switches could be a sign that the boat's wiring is damaged, which is hazardous and highly inconvenient.

Boat wiring is a nightmare, so it's best to find one with operational electrical systems that haven't been heavily tampered with or damaged. Look for and avoid boats with unusually cluttered wiring, exposed copper, and signs of cut-rate repairs.

Best Affordable Sailboats for Living Aboard

What makes a sailboat affordable? Cost is more than just the price you purchase it for—maintenance and spare parts also play a part. We put together this list of the most affordable liveaboard sailboats based on both the initial purchase price and cost of maintenance.

Catalina 25

The Catalina 25 is an excellent entry-level liveaboard sailboat with just enough space and accommodations to keep a single person comfortable. The overall length of the Catalina 25 is less than 30 feet, which minimizes slip fees and reduces ownership cost.

Catalina 25 sailboats were produced in 1978 and 1994, and 5,866 examples of the class were produced. In sailboat terms, that's a pretty big number—which means they're plentiful on the used market.

The Catalina 25 is about as small as it's practical to go when choosing a liveaboard sailboat . The cabin is spacious for its size, with the greatest downside being the keel trunk in the center of the cabin. However, Catalina made good use of the trunk by installing a hinged dining table on the side.

The cabin features a galley with a stove, sink, and an icebox for refrigeration. Floor plans vary, but the majority of used Catalina 25s features a head with a shower, a front V-berth, and a dinette with sofas along each side.

The Catalina 25 is an affordable used sailboat and tons of fun to sail. It's suitable for single-handed sailing, making it a great introductory liveaboard sailboat for single people or couples.

Used Catalina 25 sailboats can be found for between $4,000 and $8,000, making it one of the most affordable liveaboards out there today. With Catalina's build quality and good maintenance, a fiberglass Catalina 25 can last for decades.

Catalina 30

No liveaboard sailboat list is complete without the Catalina 30. This sailboat is one of the most popular 30-foot sailboats ever built, and it features an exceptional interior layout that's perfect for living aboard.

When it comes to size, 30 feet is just about perfect for a single person or a couple living aboard a boat. The original Catalina 30 design was produced between 1972 and 2008, and the company sold around 6,430 vessels during that time.

Down below, the Catalina 30 features a spacious cabin with standing headroom throughout. A full galley is complemented by plenty of overhead and cabinet storage, so owners can safely pack more than just the essentials.

The head is larger than most boats in this size range, and a functional shower is installed on the vast majority of examples from the 1970s onward. The vessel has large storage tanks, which means owners don't need to pump out the black and gray water often.

The Catalina 30 features a full dinette, chart table, and plenty of additional sleeping and berthing locations. A V-berth up front features storage below and along the sides of the hull, leaving lots of room for books, paperwork, personal items, and anything else necessary for living aboard.

The Catalina 30 is easy to find on the used market, and a liveable example can be had for as little as $5,000, but the average price is around $8,000 to $15,000. Parts are easy to find, and there's a wealth of knowledge on the sailing forums about how to maintain, repair, and sail this popular fiberglass vessel.

The Cal 28 is an old but comfortable liveaboard sailboat that's both affordable and readily available. The Cal 28 was designed in 1963 and produced until 1969. Variants of the design were produced well into the 1980s, making it relatively easy to find on the used market.

The Cal 28 is a fast and stout sailboat on the water and spacious down below. It features a thoughtfully-designed galley ahead and several well-proportioned sleeping areas.

Some people regard older fiberglass sailboats like the Cal 28 as better and stronger than their newer counterparts. This is because, back in the 1950s and 1960s, boatbuilders didn't really know how much fiberglass was necessary to build a strong boat. So instead of using "just enough," they'd often make structural components of the vessel way thicker and stronger than they had to be.

The Cal 28 measures 28 feet overall and 22.5 feet at the waterline, making it inexpensive to dock and relatively easy to haul out for maintenance. The vessel features an aluminum mast and boom, which is easy and inexpensive to maintain over the long term.

Cal 28 sailboats have 2,200 lbs of ballast and a long fin keel, making them suitable for living (no centerboard trunk) and offshore sailing (well-balanced hull design). It's also a fast boat, making it an excellent choice for destination cruising.

The Cal 28 itself is highly affordable. The going rate for a Cal 28 in clean, usable condition is between $5,000 and $15,000, especially in areas where sailing was common in the 1960s and 1970s, such as San Diego.

Here's another fun and safe cruising sloop with plenty of room for living aboard. The Aloha 28 is an affordable and comfortable 28-foot fiberglass sailboat with excellent offshore handling capabilities and a sleek design.

The interior layout of the Aloha 28 is similar to the Catalina 30. Aft, there's a well-designed L-shaped galley with a stove, a sink, and an icebox. Some models came with a gimbal-mounted oven and stove combo, which is great for cooking complex meals aboard.

The center of the cabin features two large sofa-style seats that convert into berths and a swing-out table for eating, chart reading, and other activities. There's plenty of storage space along with the seats, around the galley, and below the cushions.

Towards the bow, there's a full head with a toilet, sink, and shower. The shower pan is on the floor, which makes the head a compact but suitable place to clean yourself up.

A 'master cabin' style V-berth upfront offers great privacy, though most models don't have a physical door separating the forward berth compartment from the rest of the cabin. Instead, a curtain is often present.

The Aloha 28 is under 30 feet in length, making it relatively inexpensive to dock at most liveaboard-friendly marinas. You can find this affordable liveaboard sailboat for a fraction of the cost of a new boat, as most models sell for around $10,000 to $15,000 in clean and usable condition.

Catalina 34

It should come as no surprise that the next affordable liveaboard sailboat on our list is the Catalina 34. Almost 1,500 of these fiberglass vessels were produced after its introduction in 1985, making it a popular choice for liveaboards.

The Catalina 34 is a spacious and heavy sailboat. It weighs nearly six tons, and it's 34.5 feet long overall. With a beam of 11.75 feet, the Catalina 34 is also large enough for a couple to live comfortably with a pet or two as well.

The Catalina 34 has a 7.32-knot hull speed, making it remarkably fast for a boat of its size. That means, should you decide to move your floating home, you can get to and from your destination quickly and efficiently in less-than-excellent weather conditions.

Several variants of the Catalina 34 were produced over the years, but the most common design featured a head aft, a large starboard L-shaped galley, and an enclosed master cabin upfront.

The interior accommodations of the Catalina 34 make it an ideal liveaboard sailboat , as the cabin is extremely spacious and easy to move around. The dining table features U-shaped seating, which easily converts into a large berth.

The head is large and includes a separate nook for showering. This is especially useful if you're uncomfortable showering so close to your sink and toilet. The V-berth upfront is in an enclosed cabin with a locking door and storage all around, along with a space between the door and the berth for standing and moving around.

Used Catalina 34 sailboats are pricier than smaller Catalina 30s, but they're still highly affordable given what they offer. Catalina 34 sailboats in serviceable condition run anywhere from $15,000 to $30,000 or higher, but a nice model can be found for less than $20,000 in most areas.

Tartan 34 C

The Tartan 34 C is less common than most of the boats on this list. Nonetheless, it's worth a look if you're lucky enough to find one. This 11,200-lb sailboat measures 34.42 feet in length and 10 feet in width. It's a hardy-sailing sloop, but where it really shines is down below in the cabin.

The interior layout of the Tartan 34 C varies slightly, but it has spacious accommodations for two or more people. The L-shaped galley sits in the aft part of the cabin and features a large icebox, stove, and sink. The vessel has a large table in the center, which is surrounded on both sides by roomy sofas.

There's an enormous amount of storage space aboard the Tartan 34 C, especially around the settees and berths. Storage is key for a liveaboard sailboat , as you'll need well-designed spaces to store your belongings and keep them organized. On the Tartan 24, you won't have to store all of your stuff in secluded hard-to-reach cubbies.

The Tartan 34 features a fully-enclosed head between the dining area and the V-berth. The head features everything you'd need, including a shower, sink, and toilet, along with adequate space to move around.

The forward V-berth is also fully enclosed and separated from the head and the aft part of the cabin by a wooden door. The "master cabin" layout of the Tartan 24 is a favorite amongst liveaboards, as it offers superior privacy when hosting guests.

The design of the Tartan 34 itself is unique, as most vessels in the 30-plus-foot category don't feature a swing keel. The swing keel reduces the draft of the Tartan 34 in the harbor but increases its stability and windward sailing abilities when underway.

With a reduced draft, the Tartan 34 is ideal for shallower marinas that normally couldn't cater to a vessel of this size. On the used market, the Tartan 34 can be found for between $18,000 and $50,000, depending on a few factors. For the price, you get an affordable floating home and a highly capable cruising sailboat .

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Daniel Wade

I've personally had thousands of questions about sailing and sailboats over the years. As I learn and experience sailing, and the community, I share the answers that work and make sense to me, here on Life of Sailing.

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Life on a Sailboat: Everything You Need to Know About Living on a Sailboat Full-Time

Living on a sailboat full-time is often romanticized as a life of endless sunsets, gentle waves, and freedom on the open sea. Many dream of casting off the lines and setting sail for a horizon of adventure and tranquility. However, the reality of life aboard a sailboat can be as challenging as it is rewarding, as frustrating as it is relaxing, and, more often than not, as mundane as it is exciting.

This blog post aims to peel back the curtain on the picturesque scenes to reveal what daily life is really like when you call a sailboat home. We will dive into the motivations, preparations, joys, and challenges of living on a sailboat full-time, providing a realistic glimpse into a lifestyle that is far from ordinary.

Our Live-Aboard Life

Our dream of living on a sailboat was a distant one for many years. But as we watched plans and dreams fall by the wayside in the wake of COVID, we made the decision to make our dream a reality. Once the borders opened up, we made a beeline for the Mediterranean and have since spent each summer living aboard our little 29-foot sailboat Whisper. Without any experience sailing or living on a sailboat, we have taught ourselves to sail and manage life on the boat along the way.

Before we took up sail life, we had been living “van life,” and we’ve come to realize there are lots of similarities but quite a few differences between the two . However, on the whole, learning to live van life first put us in good stead to take on life on a sailboat. Unlike most people, we up-sized when we moved onto a boat.

Despite the upgrade in living quarters, the learning curve and the adjustment to living on the sea were no less challenging. Nevertheless, the shift was not as scary as we thought it might be, and the reality of living on a sailboat full-time quickly became our new normal.

Initially, our plan was to buy a boat and spend one season aboard sailing the Mediterranean before selling the boat and settling down. Instead, it’s safe to say we have fallen in love with life on a sailboat. Now, as we enter our third season, we aren’t sure when we will be ready to furl the sails for good…

Get a Taste of Life on a SailBoat

We document some of the realities of living on a sailboat full-time on our YouTube Channel in our The Vanabond Sails series.

Deciding to Live on a Sailboat

The journey to becoming a full-time live aboard often starts with the desire for change.

Some people are transitioning from one stage of life to the next as careers wind up or children move out. Some yearn for adventure and excitement, while others seek a simpler way of life. Many are drawn to the promise of freedom, the allure of the sea, and the appeal of living more closely with nature. However, the decision to live on a sailboat full-time is not one to be taken lightly. It requires thoughtful consideration and planning.

For us, it was a long-held dream to sail and live aboard a sailboat. It was also a natural progression, having spent several years living and traveling by van . We were ready for a new challenge. 

It began with a conversation, then a plan, and then trawling classifieds for second-hand boat sales. Before long, the decision was set in stone, and we were on our way to Croatia to buy a boat , learn to sail it, and move aboard. 

Choosing the Right Sailboat

The type of sailboat you choose is critical and depends on your budget, sailing skills, and the kind of sailing you plan to do (coastal cruising, bluewater voyaging, etc.).

Will you prefer the size and stability of a catamaran, or will you prioritize the sailing experience of a monohull? Are you looking for something small that’s easily controlled and maneuvered by a limited (and potentially inexperienced) crew, or do you require the space of a larger vessel? Are you interested in the clean lines and comforts of modern boat designs, or do you prefer the style of older boats? There are a thousand decisions to be made when choosing a boat, and your own aspirations for boat life and, of course, your budget will be critical when it comes to making this decision. 

Spend as much time researching boats that are available in your price range, ask questions of sailors you know or on sailing forums, and, if possible, spend time aboard different types of sailboats to get a clearer picture of what life is really like on board before making a purchase.

Check out our full article on buying boat .

Emotional and Practical Considerations for Sail Life

Living on a sailboat means embracing minimalism and being comfortable with the idea of having less space and possessions.

You’ll need to consider the impact of such a lifestyle on relationships with family and friends, as it can mean spending long periods away from loved ones.

The decision also involves considering how to manage work or income while living at sea , which might include remote work, seasonal jobs, or living off savings.

There are plenty of options for those planning on working remotely while sailing. With the rise of remote work , there has never been more opportunity to work and sail.

All of these considerations represent potential challenges to adjusting to life at sea, but they are certainly not insurmountable. You just need to be honest with yourself and decide if your love of the open water and the freedom of living aboard a sailboat will be greater than the inconveniences.

Preparations and Adjustments

Transitioning to life on a sailboat involves a series of preparations and adjustments, both practical and psychological, to ensure a smooth and sustainable living experience.

Training and Skills

If you are thinking about taking up sailing, you should, of course, invest time in learning to sail, navigate, and understand weather patterns. While this may seem like a daunting task, it’s not an insurmountable one. Time on the water is the most important thing, so it’s time to sign up for sailing courses, start planning trips with sailing friends, join a local sailing club, or seek out opportunities to crew for other sailors.

Learning basic boat maintenance and repair is essential to manage the myriad challenges that come with life at sea.

Safety courses, such as first aid, sea survival, and radio operation, are also crucial for handling emergencies.

These skills are important for safe and comfortable sailing and are often legally required. Make sure you are aware of the licensing and registration requirements for sailors in the region you are preparing to sail.

In our case, I had experience sailing small dinghies as a child and thus some understanding of the fundamentals, while Kelli had zero experience. My existing marine license issued in Australia was recognized in Croatia, where we bought our boat. I only needed to acquire a VHF radio license to become adequately certified for inshore sailing in the Mediterranean. 

We paid some local sailors to come aboard and teach us both the fundamentals of our new boat (lots of docking and anchoring practice).

Downsizing and Adapting to Limited Space and Resources

As mentioned, moving onto a boat was actually upsizing for us. With a second cabin, a flushing toilet, and a large indoor table, our relatively small 29-foot monohull seemed luxurious compared to the vans we had been living in until this point. 

However, for most, moving onto a sailboat often means significant downsizing, and space becomes a premium commodity. The process of downsizing for sail life involves prioritizing essential items and learning to live without the comforts of a traditional home.

Space isn’t the only limitation on a boat. Reliance on water tanks (if you don’t have a watermaker) and solar, wind, or generator electricity often means a downshift in access to creature comforts we take for granted in a house on the grid.

Creativity in organizing and making the most of limited space and resources becomes a daily practice, requiring innovative storage solutions and multi-functional furniture. Most modern sailboats are well-designed with endless space-saving measures and designs. Nevertheless, an adjustment will likely be necessary.

Financial Planning

Financial considerations are paramount, as the cost of living on a sailboat can vary widely depending on factors like marina fees, maintenance costs, and lifestyle choices.

Setting a realistic budget that includes regular maintenance, unexpected repairs, and living expenses is essential for sustaining life at sea.

Depending on your personal aspirations for boat life, this lifestyle can be as affordable or as expensive as you want to be. For us, as a couple in our thirties still in the building and saving part of our lives and careers, we are able to live on a boat in the Mediterranean affordably and comfortably for far less than we (estimate) we would spend living a more stationary lifestyle.

Check out our full article on the Costs of Living on Sail Boat Full-Time

Overall, adjusting to the confines and challenges of sailboat living demands not only physical preparation but also mental resilience and adaptability. The transition from land to sea is a profound shift, requiring a willingness to embrace simplicity, flexibility, and a sense of adventure.

Daily Life Aboard

While there is no typical day aboard, and experiences will differ wildly from person to person and day to day, we can describe what many of our days do look like.

As we work from the boat, our weeks are generally divided into work days, Monday to Friday morning and weekends. The truth is that the novelty does wear off, and many days, especially during the working week, become just as mundane as any other lifestyle. However it never stays mundane for long, one exhilarating sail, a dolphin sighting, a picture perfect anchorage or even surviving an impromptu weather event and the thrill of living on a sailboat quickly returns.

A typical workday for us living on a sailboat often starts with the sunrise (or a little bit before if we have a lot on). Ideally, we are well rested after a still night without rolling swell or, worse, strong wind, but that isn’t always assured at sea. Mornings involve checking the weather first and foremost, all plans revolve around the direction and strength of the wind and waves. 

If the weather is calm, we usually try to work in the mornings when we are fresh and focused.

We travel slowly, often spending a few days in a quiet, well-protected anchorage, on a town quay, or in a marina before moving on a short distance along the coast. On sailing days, we often sail in the afternoon when the winds are a bit stronger in the Mediterranean. On days we are staying put, the afternoon might be spent exploring a new town, getting provisions, swimming, or finding a beach to lie on and read a book. In the evening, we will cook dinner onboard and get some more work done or watch some TV. 

Weekends look different, and we will take advantage of not needing to be close to reliable network services, completing longer passages along the coast, or visiting islands. 

Daily Differences in Sail Life

Living spaces on a sailboat are compact and multifunctional, necessitating an organized and tidy approach to prevent clutter and ensure safety. Cooking in a small galley kitchen presents its challenges, from securing pots and pans on a constantly moving boat to managing limited ingredients and storage.

Meals often need to be simple yet nutritious, requiring creativity and planning. Our approach is to cook simple, one-pot, vegetarian meals like dal or vegetable curry two or three times during the workweek and eat leftovers for lunch and dinner. On the weekend, we like to get more creative with our meals, seeking out local produce or fresh seafood and taking our time to prepare something special.

As mentioned, resource management is a critical aspect of daily sailboat life, especially when it comes to conserving water, fuel, and electricity. Efficient use of these resources is vital, whether it involves careful water usage, monitoring power consumption, or planning the next opportunity to resupply. For us, an electricity supply is mainly dependent on the sun when we are not under motor or plugged into shore power. Extended periods of cloud can alter our plans. Similarly, if we are not careful with water, more frequent visits to refill are required, which can be limiting. 

Personal hygiene and privacy take on a new meaning in the confined space of a sailboat. Showers may be quick and infrequent. In our case, we generally rinse off after a swim to bathe and take proper showers during marina stops. Personal space is limited on a sailboat and managing personal relationships can have extra challenges.

Sleeping on the boat can take some getting used to, especially when on anchor. Even on a calm day, the constant rocking of the water can be disruptive at first, and novice sailors may find they get seasick, although these symptoms usually go away after a few days. When it’s windy, or there is some swell, the noise, movement, and the ever-present worry that the boat may pull off its anchor with the movement can make it very difficult to get a good night’s sleep. 

Unforecast storms, gear failure, or some other emergency can occasionally create scary and challenging scenarios, especially if disaster strikes late at night. These situations are part of the adventure but can certainly be stressful.

Despite the challenges, daily life on a sailboat is interspersed with moments of profound beauty and peace. Whether watching dolphins play in the bow wave, enjoying a sunset over the ocean, or stargazing on a clear night, these experiences often make the hardships worthwhile, offering a sense of freedom and connection to nature that is hard to find elsewhere.

The Pros and Cons of Living on a Sailboat Full-Time

Pros: the joys of sailboat living.

Living on a sailboat brings a unique set of joys and rewards that can make the challenges seem insignificant.

+ One of the most significant benefits is the sense of freedom and adventure. Sailboat dwellers have the luxury of exploring new destinations, anchoring in secluded bays, and experiencing different cultures in a way that most people never will. The ability to call a variety of picturesque locations home, even if only temporarily, is a remarkable aspect of this lifestyle. Even compared to other forms of nomadic lifestyle, waking up in your own private bay or cove is hard to re-create. 

+ The connection with nature is unparalleled in sailboat living. Being surrounded by the vastness of the ocean, witnessing marine life up close, and experiencing the rhythms of the sea create a deep sense of harmony and peace. The simplicity of life on a boat can lead to a greater appreciation for the small things, like the beauty of a sunset, the changing colors of the sea, or the silence of a night watch under the stars.

+ Community and camaraderie are also central to the sailboat lifestyle. The sailing community is known for its close-knit, supportive nature, with fellow sailors often ready to lend a hand, share advice, or offer companionship. This sense of community extends across harbors and anchorages around the world, creating a global network of friends and contacts.

+ The personal growth and self-reliance developed through sailboat living are profound. Navigating the challenges and unpredictability of the sea fosters resilience, problem-solving skills, and a strong sense of self-confidence. The lifestyle encourages continuous learning, from mastering sailing and navigational skills to understanding weather patterns and marine ecosystems.

The Cons: The Challenges and Hardships of Liveaboard Life

While the joys of living on a sailboat are plentiful, the lifestyle also comes with its fair share of challenges and hardships. These difficulties test the resilience and adaptability of those who choose this way of life.

– One of the most significant challenges is dealing with bad weather. Storms, high winds, and rough seas can be terrifying and dangerous, requiring skill, experience (which you can only get by …experiencing it), and a calm demeanor to navigate safely (perhaps the trickiest thing to achieve). The stress from poor weather can be mentally draining, disrupt work, and put a strain on relationships.

– The learning curve required to become a confident and comfortable sailor is not small and can take many seasons while mastering sailing can take a lifetime.

– The constant exposure to the elements also means that maintenance is a never-ending task, with saltwater and sun causing wear and tear that must be regularly addressed to keep the boat functional and safe. Especially on an older boat like ours, fixing and maintaining gear and rigging is an endless cycle. Most systems and hardware on the boat are essential, and when they fail, there is often no one around to help. Constantly sorting out jammed anchors, engine or electrical issues can quickly become tiresome and (if you are trying to work) quite disruptive. It can also be quite stressful when critical systems fail.

– Isolation is another aspect of sailboat living that can be challenging. Long periods at sea or anchored in remote locations can lead to feelings of loneliness and disconnection from land-based communities. The confined space of a sailboat can strain relationships, making it essential for the crew, be it a couple, a family, or friends, to communicate effectively and give each other personal space.

– The financial aspect of sailboat living can also be a hardship. Unexpected repairs and maintenance can quickly drain savings, and the cost of mooring, fuel, and supplies can add up. Sailors must be adept at budgeting and often need to be resourceful in finding ways to sustain their lifestyle, which might include picking up temporary jobs or remote work.

– The physical demands of managing a sailboat should not be underestimated. It requires strength, stamina, and a willingness to tackle everything from sail repairs to engine troubleshooting. The learning curve can be steep, and the responsibility of keeping the boat and its occupants safe is a constant pressure.

Despite these challenges, many sailboat dwellers find that the hardships are part of what makes the lifestyle rewarding. Overcoming difficulties and learning to live in harmony with the sea can provide a profound sense of achievement and satisfaction.

Final Thoughts About Life on a Sailboat

Living on a sailboat full-time is a journey that encompasses the full spectrum of human experience, blending moments of sheer joy and beauty with times of challenge and adversity. It’s a lifestyle that demands resilience, adaptability, and a willingness to embrace the unknown. While the romantic allure of sailing the high seas is undeniable, the realities of daily life on a sailboat are grounded in practical challenges and the necessity of continual learning and personal growth.

The decision to live on a sailboat should not be made lightly, as it involves significant changes in lifestyle, mindset, and social dynamics. However, for those who choose to embark on this adventure, it offers unparalleled opportunities for freedom, exploration, and connection with nature. The hardships encountered along the way are not just obstacles but also catalysts for growth, leading to a deeper understanding of oneself and the world.

If you have a question about living on a sailboat full-time, let us know in the comments below or shoot us an email anytime!

Fair winds and following seas!

In 2016, I had been dumped by my girlfriend, fired from my job, and the lease on my house was running out. Facing moving back in with my parents, 26, jobless and alone I decided to listen to the message the universe was trying to send me. I took off on my first solo backpacking trip, with a one-way ticket to Bangkok and a well-thumbed Lonely Planet guide. From there I wandered Southeast and Central Asia, traveled the Great Steppe, and made my way across Russia and throughout Europe.

In Estonia I met Kelli, who, despite having a less frantic travel style, shared my my restless spirit and passion for exploration. Together, we embarked on a new journey, van life. Over four years we travelled across three different continents with three different vans.

In 2022, as the world began to re-open post COVID we took an opportunity to realise a long held dream, to live aboard a sailboat. Since then we have spent two summers in the Mediterranean, sailing and living aboard our little sail boat Whisper. When we aren't sailing we continue to live our nomadic lifestyle, guided by a philosophy of slow travel and self directed adventure be it by van or backpacking.

We find excitement through our journey into the unknown, stillness and content in the beauty of the places we discover and we find ourselves in the vastness of our world.

Hopefully, we can help you find what you're looking for too. Get lost with us and find your own path.

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Living on a Boat: Beginner's Guide for Liveaboards

It’s easy to romanticize the idea of living on a boat full-time; however, it's an alternative lifestyle like that takes preparation, organization and an ability to roll with changes. When you commit to moving aboard, make checklists of necessities and talk to your partner about deal-breakers. Prepare the boat for life aboard well before you make the move.

Factors to Consider Before Living Aboard

Before moving onboard your boat, you should ask yourself some questions:

• Is this just for a period of time before you go cruising or is this a lifestyle choice?
• Are you comfortable with repeatedly defending your choice to your friends and family?
• Are you living in a climate that is boat-friendly year-round?
• Are you handy and a good problem solver?
• Who will accept your Amazon deliveries and are you ready to grocery shop frequently since there won’t be room to stow much?
• Are you ready to become your own maid?
• Will you feel comfortable with your kids being in this new environment?
• What’s Plan B if it doesn’t work?

After moving aboard, you may be hauling the laundry to the laundromat or groceries from the parking lot with no dock cart nearby. You’ll need to go to the pump-out station regularly as well as to the post office for your mail. Small doesn’t translate to easy so mentally run through a typical week and write down solutions to the issues.

Essentials: Stowage, Comfort & Connectivity

When you move from a 2,000-square foot house to a 40-foot boat, all the closets are smaller, the cupboards are fewer and there’s no two-car garage. In preparation, you’ll need to de-clutter kitchen gadgets, tools, mementos and clothing. Keep winter clothes in off-boat storage and your business attire at the office if possible.

Make sure the boat is warm and dry with plenty of ventilation. Mildew and condensation will become a part of life and you’ll need a whole new set of cleaners and tools.

Plan your connectivity needs. Whether a dish for TV or high-speed internet access via the marina WiFi, you’ll need a connectivity solution so you’re not cut off from work, friends, family and entertainment.

Beneficial Skills to Have for Living Onboard

Maintenance on a boat may be worse than in a house in terms of frequency and specificity. Basic plumbing, electrical and mechanical skills will be needed because boat systems are generally less reliable than their household counterparts. The alternative is calling a contractor for every issue.

Cost of Living on a Boat

Don’t assume that you’ll save money by moving aboard. Here's some expenses you may incur by living on your boat:

• Boat mortgage payment
• Boat insurance
• Waste management
• Food and water

The best way to manage expenses is by making a budget and sticking to it. Depending on the size and value of the vessel, boat insurance may be just as expensive as house insurance. Property taxes will usually be less as will electricity since you’ll not be heating/cooling/lighting as big a space. You’ll probably save money on waste management, gas and water as well.

Where costs rise dramatically is maintenance . Marine parts and labor are usually more expensive—sometimes 20% more, than typical household counterparts. If you take on the tasks yourself and you’re self-employed, every hour you spend working on your boat is an hour you don’t make money.

Learn More in our Boat Insurance Guide

Safety & Security

You’ll need to decide whether to invite strangers inside, and if kids and pets will be safe around the docks. Install CO2 and smoke alarms and a propane sniffer, check the fire extinguishers periodically, and keep an eye on the basics like bilge and battery levels. You may also want to consider the following:

• Will you be safe walking from the parking lot to the slip at night?
• Will your nice car be okay outside the garage 24/7?
• Who will call you if your boat starts to list when you’re on vacation?

There aren’t really more or fewer safety issues, just different kinds.

Daily Life & Socialization

Socializing is easier in a marina than in a neighborhood. Neighbors help neighbors in marinas but it’s a two-way street so be ready to lend a hand when needed. If you’d rather live anonymously, consider an end tie in the forgotten corner of the marina. Although there are challenges to living on a boat, if you’re prepared, you may find it a perfect fit.

I already have a boat in a slip in a marina, so can I just move aboard?

Most marinas require an application for you to move aboard permanently. In some areas, liveaboards aren’t permitted or there are long waiting lists. Liveaboard slip fees are usually higher and your insurance rates may increase if your boat becomes your primary residence.

How do I live aboard a boat with a pet?

Dogs, cats and other pets need to acclimate to their new environments. They need exercise, private space and easy access to food and a potty. Make sure stairs and docks are safe for them and that they know how to get on the boat or dock if they fall in the water. Be careful of small spaces where they can get trapped and wires they can chew. Teach them about their new environment and be patient.

Learn more in Boating with Pets and Tips for Taking Your Dog Boating .

Read Next: Boat Owner's Guide

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• Costs of Boat Ownership
• Boat Maintenance Guide
• Insuring Your Boat
• Boat Safety Guide

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Home » Blog » Live on a boat » Is living on a boat right for you?

Is living on a boat right for you?

By Author Fiona McGlynn

Posted on Last updated: August 16, 2023

Living on a boat sounds cool, but is it right for your lifestyle?

With real estate rocketing in cities like London, San Francisco, and Vancouver, a lot of people are ditching their pricey digs for a more adventurous and alternative lifestyle: living on a boat.

Living on a boat can afford you all kinds of benefits: cheap rent, amazing views, and may make you a more interesting person at dinner parties (results not guaranteed).

We lived on a boat for five years and it was a good choice for us, but it’s obviously not right for everyone. So, before you walk out on your sofa bed and five roommates, there are 10 things you should know.

You can save a lot of money on rent!

Is living on a boat cheaper? Yes! Living on a boat is cheap . We spent two years living on a sailboat in a marina in Vancouver with a full suite of amenities (power, parking, high-speed internet access, laundry, showers, workshop) and it only cost us $550 a month in liveaboard slip fees (our next best option would have been an apartment for $1100+).

If you choose to live on a mooring ball, it can cost you even less! In San Diego, we paid $150 a month for a mooring ball.

Usually, the cheapest place to live on a boat is at anchor, which is often free.

Of course, we had to buy a boat (that cost us around $10,000) but over two years, we more than got our money back. By avoiding high rent, we were able to save enough to set out on a three-year trip, sailing 13,000 nautical miles from Vancouver to Mexico to Australia.

Some sample liveaboard budgets:

How much money do you need to live on a boat? It depends on your location, boat, and how comfortable you want to be. We spent between $600- $2,000 a month while living aboard our boat.

• This young UK couple is living on a sailboat for  £500 ($570) a month while cruising around the world.
• This young family from San Diego told Insider they pay $2,200 a month to live on a 40-foot boat.
• These San Franciscans are living on a sailboat and spend just a few hundred dollars a month on rent and utilities.

Cost of living on a boat

While living on a boat is very affordable, there are ongoing costs and living expenses to be aware of.

Liveaboard insurance

Liveaboard insurance rates are more expensive than recreational boat insurance. For our 35-foot sailboat we’ve paid:

• $800 a year for liveaboard insurance (sailing in local waters)
• $1,800 a year for liveaboard insurance while cruising (sailing internationally)

While some boat owners we met, didn’t carry insurance, most boatyards will REQUIRE you to have insurance (and will check your paperwork) before hauling your boat out of the water.

Liveaboard moorage

Liveaboard moorage generally costs more than recreational moorage. Between 2013-2018, we found it was typical to pay $550-750 a month.

Your electricity bill will be a fraction of what you’d pay living in a house. When you live in a very small space (like a boat) you’ll consume less electricity for heating and cooling, meaning you’ll have a lower bill at the end of the month.

You may need to run your engine to charge up your batteries or run high-draw appliances like a water maker or air conditioner. Be sure to factor fuel into your monthly budget.

Many boaters use solar panels or wind turbines which, while pricey upfront, allow you to disconnect from the grid altogether.

Most marine stoves run on propane or white gas, so you’ll want to budget for fuel if you plan on doing any cooking aboard.

Marinas sometimes charge for fresh water. Our boat was designed to hold 66 gallons (250 liters) and we refilled our water tanks once or twice a week. The average person in the US uses 80-100 gallons of water per day ! Refilling our tanks was a chore, so we got better at conserving water.

Another option is to buy a reverse osmosis watermaker which turns seawater into fresh water. We installed one when we were cruising but it cost us over $3,000. There are much cheaper alternatives to watermakers .

You will also have to think about pumping out your septic holding tanks. Many marinas have pump-out stations and charge for the service. In most harbors, it’s illegal to empty your holding tanks into the water.

Pumping out sewage is not only bad for the marine environment, but it also gives liveaboards a bad reputation. So, don’t do it!

Maintenance costs

Boats are a lot of work, far more than a house. Stuff breaks all the time and you’ll need to be a good problem solver and ideally handy with tools. It’s hard work, but on the plus side, you’ll develop a whole bunch of new skills.

Your maintenance costs will depend on whether you’re doing the work yourself and the condition of the boat.

Generally, marine parts cost three to four times the price of household building supplies. A good rule of thumb is to budget 10% of the value of your boat in repairs, annually.

When boat shopping, remember that a cheap boat isn’t necessarily a good deal and may cost you a lot more in repairs over the long run.

You may get lucky and snag a cheap or free boat , but liveaboard boat prices can run into the six and even seven figures. If you finance your boat, you will have monthly mortgage payments.

Boat property taxes vary by location. E.g., Californians are assessed 1.1% of the vessel’s current value annually.

You can’t trick your partner into living on a boat.

For some people, living on a boat is a lifelong dream, for others, not so much. No matter how romantic you find the notion, do not attempt to live aboard if your partner is not game.

There are plenty of challenges: limited space, leaks, and potentially a lot of motion . Talk your partner into boat living and you may wake up one day to find they’ve jumped ship.

If your partner is on the fence, the best way to find out if moving aboard will work for you is to   test-drive the liveaboard lifestyle before living on a boat full-time.

Buying a boat is easy, finding a place to put it—not so much.

It can be very challenging to find a place to moor your boat. The best places to live aboard a boat often involve waitlists and permitting.

Many big cities have liveaboard licensing requirements. As a result, liveaboard marinas often have multi-year waiting lists.

It’s a good idea to call your local marinas and find out if they have available liveaboard slips before searching for a boat.

You may find your anchoring options limited, too. In recent years, many jurisdictions have started cracking down on long-term anchoring, often introducing time limits and requiring anchoring permits.

Don’t buy a boat until you know where you’re going to keep it. Some marinas may turn a blind eye to “sneak-a-boards” but you’re really risking getting the boot at any time.

Some of the best liveaboard cities in Canada and the United States

• Alameda, CA
• The Chesapeake Bay Area
• Corpus Christi, TX
• Portland, OR
• San Diego, CA
• Sausalito, CA
• Seattle, WA
• Tampa Bay, FL
• Vancouver, BC

Marinas vs. mooring balls – location will affect your lifestyle

Living on a boat in a marina will be very different from living at anchor or on a permanent mooring buoy. Finding the best place to keep your boat will come down to a few factors.

Some important considerations are things like electricity and water (in a marina slip you will have 24/7  access to both, whereas on the hook you’ll be living off-grid). This can make a big difference, for instance, if you want to have a shower (especially a hot shower ) every day. Doable at a marina, difficult if not impossible on the hook.

Other benefits of dock life include being able to walk off the boat . Going back and forth in a dinghy every day can be a nuisance, especially if you’re transporting pets, bikes, and heavy gear.

If you plan on having a boat dog , easy access to the dock will be especially important.

Other perks of liveaboard marinas are comforts like internet, cable, and laundry.

Often marinas can offer better wave protection (e.g., with break walls), which becomes important in bad weather. In a boat slip, you don’t have to worry about your boat dragging anchor. Also, protection from high winds and wave action will make life aboard more comfortable (as compared with bouncing around in an anchorage).

There are so many factors to consider when deciding between a marina, mooring field, or anchorage (too much to cover here), so check out “Where to live aboard a boat?” for more info.

Personal space – who needs it?! Living on a sailboat versus a house

The number one question people ask us is, “How do you live on a sailboat and not kill your partner?” Unless you’re living on a luxury yacht, there is no personal space on a boat.

Imagine that every time you want to walk from the kitchen to the bedroom you have to ask your partner to move out of the way so you can pass, and that about sums it up.

Also, many boat heads are often less (ahem!) private. We had a CS 24 where the head was literally under the V-berth, which made it very awkward if you had to get up to pee in the night.

That being said, we quickly adapted to not having much space. We became more organized, tidier, and attuned to each other’s needs while living in close quarters.

If having less space is your number one concern, consider looking at trawlers instead of living on a sailboat as you get way more living space and light on a 35-ft. trawler, than you do on a 35-ft. sailboat.

Boats you can live on:

While in a technical sense, you could live on any boat with a cabin, the best boat to live on will offer house-like comforts including a galley (kitchen), head (toilet), and a comfortable berth (bed).

Ideally, it will also have liveaboard essentials like solar panels, a cabin heater, and a big battery bank. Though you can always add these later.

Obviously, the size of your boat is an important consideration. As a single person, you may be able to get away with living on a small boat (e.g., a 24-footer) whereas the best liveaboard for a family might be 40-foot plus.

6 types of boats you can live on

There are six different kinds of boats you can live on and they all vary in size, comfort, seaworthiness, and cost.

Floating homes

As the name would suggest, floating homes are a type of boat that will give you the most house-like living experience. However, they are generally permanently moored and not convenient to move or travel with. They can cost as much as land-based houses to purchase.

Houseboats or canal boats

Houseboats and canal boats offer space for comforts like a full-size fridge and kitchen. They’re great for travel in protected waters and in the case of houseboats, can even be beached on the land.

Tugboats and Trawlers

Tugboats and trawlers have decent headroom and can accommodate comforts like big-screen TVs, full-size kitchens, showers, and sometimes even bathtubs. As most living space is above the waterline, they also tend to have lots of natural light.

Sailboats are a bit like the basement apartment of liveaboards and often do not have fridges, showers, or hot water. However, they also generally cost a lot less to purchase than motor vessels and you can travel long distances without fuel costs.

Catamarans are double-hulled sailboats that allow you to sail around the world in comfort but come with a significant price tag. The bridge between the two hulls creates plenty of open airy living space up top with bunks down below in the hulls. However, not only are they expensive to purchase, but they also take up twice the space and require twice the rent and maintenance cost.

The big compromise: creature comforts

Most inexpensive liveaboard boats do not have hot showers and laundry . They also have tiny bathrooms, kitchens, and hardly any storage space.

If you can’t bear the thought of giving up bubble baths, then living on a boat full-time is not for you. If, however, the idea of a minimalist, multi-purpose, stacking dish set cranks your gears – then you’re probably on the right path.

Making the most of small spaces can be a lot of fun if you’re up for the challenge.

Bear in mind, that some boats will be better set up for living aboard than others (we have a list of the best boats for living aboard) .

You will have the coolest neighbors

Boat living tends to attract some interesting people: artists, musicians, and engineers. Nick Cave and Rod Stewart both lived aboard in the U.K., as did Alan Watts in Sausalito.

Boat life also fosters a very tight sense of community. You’re far more likely to get to know your neighbors (which we think is a good thing!) .

Bring your home on weekend getaways

Who needs a second home when you can take your first home with you? Perhaps it’s kind of obvious but it’s great to throw off the dock lines and go cruising on the weekends. 

It should go without saying, but learn to sail (and be competent with your boat) before moving aboard. Not only will you need to be able to move your boat around for safety and practical reasons (e.g., going to and from the gas bar) but also it’s a wonderful activity.

While living on our boat we got to visit so many beautiful places in our local Pacific Northwest waters. As we gained sailing experience, we began to think about traveling farther afield.

Many of our liveaboard neighbors were experienced bluewater cruisers. They inspired us to embark on a sailing trip to Mexico and the South Pacific and gave us a lot of help along the way.

If you think you might like to buy a bluewater sailboat and go cruising or sailing around the world, living aboard is a great first step towards that dream.

Leaks and climate control will become your obsession

It’s a lot harder to live on a boat during the cold winter months.

Boats leak. If you live aboard in a wet city you’re guaranteed to wake up one morning with a soggy pillow or mystery puddle on the kitchen counter thanks to a leaky hatch or deck fitting.

Mold is another basic fact of life aboard and can become a major issue. Many full-time liveaboards opt to run dehumidifiers and heaters to keep humidity in check.

The good news is that both leaks and humidity are totally manageable if you stay on top of it.

If you live in a place with extremely cold winters (regular freezing temperatures) it gets even harder. For instance, on the lakes in Ontario, Canada, it’s sometimes necessary to run bubblers to prevent ice damage to the dock and boat.

The best view in the city

If the idea of living on the waterfront has always appealed to you, living aboard is a way to get those breathtaking views on the cheap.

It’s cliché but the best thing about living aboard is settling into the cockpit at the end of the day with a cup of tea or glass of wine and watching the sunset.

We found life on the water infinitely more peaceful and a great escape from the bustle of city life. If you’re up for an adventure, living on a boat full-time can be a great way of life.

Fiona McGlynn is an award-winning boating writer who created Waterborne as a place to learn about living aboard and traveling the world by sailboat. She has written for boating magazines including BoatUS, SAIL, Cruising World, and Good Old Boat. She’s also a contributing editor at Good Old Boat and BoatUS Magazine. In 2017, Fiona and her husband completed a 3-year, 13,000-mile voyage from Vancouver to Mexico to Australia on their 35-foot sailboat.

Sarah Smith

Friday 2nd of April 2021

Thanks for explaining that catamaran sailboats are going to be comfortable and provide a lot of living space. My husband and I had thought that we could only live on houseboats, but with your information, I would like to start looking into the catamaran sailboats. We'll have to find a luxury boat hire so that we can live on the water for a bit and decide what we would like to buy.

Friday 29th of January 2021

That is so amazing that even including parking, internet, and showers, living on a sailboat only costs $550 a month. My husband and I would like to downsize and explore now that we have both graduated college. We'll start looking for a sailboat and open parking spaces.

What if someone wants to live on a motor yacht as a live aboard, just moored at the marina. Not sailing around due to fuel consumption, just living in it. Could that be an option. I was thinking of looking into the 75 to 100' range for motor yacht but for live aboard moored. is it possible? Thank you for this article it was very informative. I am a Canadian from Ontario, currently living in Vancouver now. Thanks again.

Hi Jordan. Most live aboard marinas (the exception being floating home communities) have rules that the vessel has to be able to move under its own power. So as long as your yacht had a working engine, you would be fine. Having lived aboard in Vancouver, I think you might have trouble finding a 75 to 100' slip to moor your boat in. Most slips fall in the under 50 foot range. Thanks for reading and good luck in your search!

Friday 9th of February 2018

Thanks for the insight! We're trying hard to get liveaboard status at our marina in Sausalito and having the toughest time. Hoping persistence wins!

Thursday 1st of March 2018

Keep up the hustle! It's can be tough to find a spot but so worth it when you do. I seem to remember there's a bylaw that requires all SF marinas open 10% of their spots to liveaboards. I could be wrong but might be worth looking into. Also, we loved Valejo Yacht Club - great community run yacht club and they had spots a couple of years ago. Keep us posted on how it goes. Lots of our readers are SF based. If you wanted to guest post on your experience finding a spot in SF, that would be a very interesting read.

Friday 4th of August 2017

No worries, I searched the image on google and found that a mutual friend posted it on his photography website. I was just curious.

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Living on a Boat Full Time: What to Expect as a Liveaboard Cruiser

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12 Things I Wish I Knew Before Moving Aboard

Before moving onboard, there were a lot of things I thought I knew about living on a boat full-time. Despite my research, I was only scratching the surface of what it’s like to live this lifestyle.

From the weather’s impacts to route planning and provisioning – traveling on the water is different.

After two years of living on a boat full-time, here are a few things I wish I had known before moving aboard.

1. There will always be things to fix.

You hear this all the time when talking to anyone about life on a boat. No matter what type of boat you have, it will need constant upkeep. When one thing gets fixed, three more will break.

Like many first-time boat owners, we heard this over and over. Of course, it doesn’t hit home until you see the survey that details every last inch of issues. Or when you start living aboard a boat and experience first-hand the deterioration in a marine environment.

The good news is you can become a master of prioritizing your boat project to-do list.

• Consider essential things versus cosmetic projects.
• Look at safety versus nice-to-have updates.
• Weight the time it takes to fix something versus the maintenance costs of it hiring out to a contractor or boat yard.

You can learn to improvise and create workarounds when you need to, and most boat owners ultimately become handy out of necessity. Over time you’ll recognize the importance of having a safe, operational vessel.

Oh, and when you finally fix the broken igniter on the oven after two years, it will be that much more rewarding.

Some of the best advice you’ll receive is this – if you try and fix it all, you will never leave the boat dock.

So, find the strength to accept the five-page to-do list and get out there and enjoy your boat. That’s what all boat owners are out there trying to do!

READ NEXT: Check out our list of what you need in your sailboat tool kit .

2. living on a boat is like camping..

Even on a bigger boat with more than the average amenities – once you are out of the marina, living aboard is a lot like camping.

You are at the mercy of the weather when underway or on anchor. You have limited resources, no air conditioning, and access to grocery stores or other supplies is usually out of reach. On the flip side, you have the ability to visit remote islands and other exotic places and immerse yourself in the beauty around you.

In the woods and on the water, you think about things like navigation, water supply, and provisions.

Both activities give you a sense of independence and teach you about survival in nature. You can get by without the most modern conveniences and with a minimalist approach to living (although you will probably want some creature comforts).

Do you enjoy the logistics and planning, as well as the communing with nature that camping offers? You might also like the challenges and rewards of living on a boat.

3. You need to be diligent with cleaning.

Living in a marine environment requires a substantial commitment to cleaning.

Before living aboard, I remember thinking – cleaning will be a breeze in such a small living space.

Well, not really. Yes, it’s smaller, so tidying is quicker. But putting things in their place can sometimes be a challenge. Storing items with the marine environment in mind requires extra steps. Sometimes getting into storage areas is also inconvenient.

The key to keeping your boat tidy is storing the most often used items in places that are accessible.

Where cleaning is concerned, the marine environment creates obstacles different from land living.

Mold grows fast – even faster when the temperature drops and condensation is an issue.

Dirt comes in from every hatch and door that’s open. If you’re on a catamaran, dirt enters through a dozen hatches and a large cockpit door that’s usually open.

There’s also a load of areas that need special attention to keep clean.

• the boat bottom
• ground tackle
• outside of the boat and the gel coat
• fresh water tanks and black tanks
• stainless steel

These areas are continuously affected by everything from corrosion to marine bottom growth. They need specific cleaning products and techniques to keep them in ship shape.

Besides your own research, ask around for helpful tips from fellow boaters. This will save you extra work and help you avoid surprises in the future.

4. It takes time to learn the boating world.

Learning to sail, maintain a boat, and live on a boat is not something you learn in a week or even a few months.

Some cruisers say it takes around three years to find your groove within the liveaboard lifestyle.

When you move aboard your first boat, you are pretty much learning a new way to live. Especially if you are jumping in with little previous boating experience.

All the boating things take time to master. Besides learning how to operate your boat, you have to learn how to live on it. Including but not limited to the below.

• navigating and route planning
• anchoring and docking
• radio communication
• regular maintenance (diesel engines, plumbing, electrical, etc.)
• resource management (water, power, fuel)
• provisioning

In each of these areas, there are things we are still working on. It takes time to develop skills. And in some cases, it takes a lot of experience in many different locations.

Learning these new skills is both challenging and exciting. It can also be a little scary. You are pushing yourself out of your comfort zone at every turn.

When you make a mistake, consider it one of many future valuable cruising lessons.

When you succeed, celebrate! Even the smallest victories are worthy of a sundowner toast when you live on the water.

5. You don’t need a big wardrobe onboard.

When I was planning to live aboard, a big project was downsizing my wardrobe. I prepared to cut my wardrobe down to about 20% while being meticulous in choosing what to bring on the boat. 

I got rid of tons of clothes and only brought a small fraction of my previous wardrobe aboard. But I didn’t need even half of it.

Seriously, you don’t need many clothes on a boat. You just need the right clothes.

Determine a few types of comfortable items appropriate for the climate you intend to live or cruise – then you’re set. Once you find your “boat uniform,” you’ll wear it every day.

Sure, you’ll want things for the occasional night out or shore excursion. But a couple of mix and match pieces will do. And very casual is usually sufficient for the average cruiser. I find I have way too many dressier items (which aren’t even that dressy.)

Here are a few clothing items that I kept that I shouldn’t have:

• casual clothing (shorts and tops) that are 100% cotton
• more than one dress or other formal clothing
• any leather
• more than one pair of jeans
• more than 4 or 5 swimsuits (find a few you love and ditch the rest)
• bulky sweatshirts
• more than 1 or 2 quality sun hats

With any good minimalist wardrobe, layering is essential. Identify items that are flexible enough to wear alone or under other things.

The capsule wardrobe concept is also a good idea on a boat. Research strategies behind these wardrobes and apply them to your closet on the water.

READ NEXT: Find more info in our guide for how to downsize your wardrobe and our post on what to wear sailing.

6. start living like you’re on a boat before life aboard..

As a liveaboard, certain habits will make life in your floating home easier.

Developing routines to save water and practice sustainability are easier to tackle while you’re still enjoying land life.

Learning to cook things from scratch and testing new personal care regimes will save you time and stress.

Here are some things I wish I had started doing while still land-based.

• making pizza dough, bread, and bagels
• making yogurt
• making vegetable broth
• learning to fillet a fish
• provisioning (experimenting with dried and canned foods)
• adjusting personal care regimes (hair and make-up products, menstrual products, etc.)
• washing dishes with less water
• showering with less water
• minimizing laundry
• minimizing trash

Once you start cruising, you’ll have your hands’ full learning all the new boat things.

The more “boat life” habits you can instill before moving aboard, the more manageable your new lifestyle will be.

7. You’ll cook differently in the boat galley.

Before boat living, I would follow recipes to the exact ingredient. I wasn’t much for deviating from the formula. Then I moved on a boat where you rarely have precisely what the recipe calls for.

When you start cooking on a boat, you will begin to find replacements or substitutes out of necessity. Maybe you don’t have room for fresh bell pepper in the fridge, so you opt to keep roasted bell pepper in a jar. Or you learn that having dehydrated milk is more efficient for cooking.

The canned goods aisle will become an area you explore the most on your journey to master the boat galley.

I never purchased canned mushrooms in my land-living days. Now, I keep a stockpile. Also, canned potatoes, anyone?

The more you cook, the more experimental you’ll become. When you travel to new places, you can find items at the local farmers’ market and give them a try too.

You’ll also discover that certain types of food are more comfortable to cook on a boat. I never cooked much Asian food on land but started experimenting with stir fry, curries, and homemade ramen onboard. Carrots and onions keep well, and you can throw just about anything in a stir fry.

We enjoyed the process of learning what works for cooking onboard. It’s also fun to start mastering things from scratch, such as homemade bread, pizza dough, yogurt, and broth.

READ NEXT: You might also want to check out our list of 7 easy and versatile meals on a boat or our 5 ideas for a delicious breakfast on a boat .

8. you will want to throw your partner overboard..

When cruising with a partner, most of us have reached a point where you drive each other nuts.

The truth is living on a boat can be very stressful at times. And all the stressors tend to rear their heads at once. Add that to the fact you’re in a tiny, challenging living space, and tempers get short.

When we start to get at each other’s throats, we try to acknowledge it early and adjust. Sometimes just saying we are on edge and talking it through will help. Other times we need a break off the boat to find our composure and regain our patience.

Having a schedule adds to the pressure. The more you can cruise at your comfortable pace, the more likely you will not murder your partner!

The living situation on a boat will test your relationship. Take the time to talk about the triggers and maybe buy a set of “marriage savers” for anchoring and docking.

9. You need to be flexible.

A well-known sailing adage is, plans are written in the sand at low tide. 

If you don’t do well with last-minute changes, you might not love this lifestyle.

Your plans will frequently change living on the water. Then they’ll change again and switch back. Sometimes we’ll change our route two or three times on the morning of departure. 

Everything fluctuates based on weather, routing issues, boat issues, and plain bad luck. You may need to avoid a storm, pick up a spare part, or dock in a liveaboard marina for the season to take care of a health issue.

Traveling on the water, you’ll get more familiar with the idea of having a plan A, B, C, and sometimes even D.

Having many options is a way of planning while acknowledging you are in a fluid situation on a boat.

As you gain more experience, it will become more natural to accept changes. You might even find you’re immediately onto the next step when you hit an obstacle in your current plan.

A positive spin to this aspect of the lifestyle is you often end up in unexpected places. And sometimes, that’s not a bad thing. If you can roll with the punches, you’ll find appreciation in even the most unlikely plans.

10. Full-time cruising is a full-time job.

When you start cruising, friends and family might ask what you do all day. You’ll find this amusing. Because when you’re actively cruising, moving the boat regularly to new locations, THAT is what you are doing.

Cruising on a boat is a full-time job and hard work. It includes route planning, watching the weather, performing maintenance, provisioning, managing resources, and more. Not to mention taking your shift at the helm. You are never without things to do, especially if you are living primarily on the anchor or a mooring ball.

You’ll often find you have to tell yourself to put boat chores on hold and enjoy the benefits of the lifestyle.

Although cruising is a lot of work, the good news is you are the boss. So when you find yourself worn out or short-tempered, consider giving yourself a break.

Slow down, and throw the timeline out the window. The best thing about this lifestyle is about the journey as much as the destination.

11. The cost of living can be high.

Even on a small boat, cruising and boat expenses can get out of control quickly if you don’t stick to a budget.

Boatyards and maintenance costs, liveaboard slip fees, boat insurance, and more will empty your bank account or boat cruising kitty. If you work from your boat, you may also need to spring for high-speed internet access so you can work from remote locations (Starlink has recently become more popular in the boating community).

Depending on where you’re cruising, food costs and other everyday items can also be very expensive.

If you’re thinking about living on a boat, do your research on the location you’ll be cruising in, whether it’s the east coast of the United States or the south pacific, and find the average costs of liveaboard marinas and boat insurance to cruise in that area.

Also, be aware that the insurance premium may cost more in certain areas, especially during the official hurricane or cyclone season (if the insurance policy even allows you to stay in the area).

READ NEXT: Read our full guide on the cost of living on a sailboat .

12. living aboard can be uncomfortable..

Whether you’re out in open water or anchored near a bay, bad weather will find you.

High winds can bring rough seas, and this can make being on a boat very uncomfortable, both physically and mentally. However, the more boating or sailing experience you gain, the more confident you’ll be in these situations.

The reality is you can only plan so well for weather on liveaboard boats, and a lot of the time, you just need to be prepared for what mother nature throws at you. Most boaters will err on the side of caution when it comes to route planning for incoming storms and choosing to lay out more than less anchor chain!

Living on a Boat Full-Time: Is it Worth it?

If you are transitioning from a modern way of life, living on a boat will shake up your lifestyle. It’s an adventure that is entirely different from living on land.

My vision of what it would be like living on a boat and actually living on a boat are a far cry from each other. But nothing is ever as you imagine it.

If you’re up for the challenges, living on the water can be a unique and fulfilling lifestyle. From the skills you acquire to the places you visit and the people you meet – there’s no doubt cruising on a boat is a once-in-a-lifetime experience.

Want to learn more about cruising full-time on a boat?

For more on finding the right boat, the cost of cruising, and learning how to live on the water, view our complete guide.

Like this post? Save it on Pinterest for later.

Or view our web stories.

Morgan, the founder of The Home That Roams, has been living nomadically for over five years. She began her journey traveling across the U.S. in a motorhome and cruising on a liveaboard sailing catamaran. Currently, she lives full-time in a travel trailer, sharing resources on RV living and boat life to help others downsize their lives and thrive in an alternative lifestyle.

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How much does it cost to live on a sailboat.

Have you ever dreamed about getting away from dry land and setting sail in search of a life full of adventure in the open water? Many people dream about living on a sailboat , but may be hesitant to actually turn their dreams into reality when faced with the price tag.

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GOBankingRates spoke to several individuals who are embracing a sailing lifestyle to find out how much it costs to live on a sailboat.

Two People on a Full-Time Sailboat: $4,000 a Month

For the past four years, Ryan Ellison and Sophie Darsy have been living aboard their 40-foot boat full time. The duo make up Ryan and Sophie Sailing and are the hosts of a popular sailing YouTube channel where they’ve shared their lifestyle with over 7 million people.

Together, they have crossed the Atlantic Ocean three times and are currently planning for a North American loop. They have also sailed extensively throughout the Caribbean and Mediterranean, covering almost 25,000 nautical miles in total.

The pair lives on $4,000 a month. They jokingly said BOAT stands for “break out another thousand.”

This is because things often break down on boats due to the salty, corrosive environment. Ellison and Darsy said boat maintenance typically costs around 10% of the boat value each year. Sails, which can travel for free on the power of the wind, do need to be replaced every eight to 10 years.

“We have an engine we use when the wind is non-existent or when we are arriving or leaving an anchorage or marina. Because it’s usually only for short periods of time, we can make a $500 tank of fuel last several months,” Ellison and Darsy said. “However, the engine requires servicing, oil and filters which all need to be changed regularly. Then there is the cost of the fuel for the outboard motor on the dinghy, which is essentially your car when you travel via boat, which is probably another $30 a fortnight.”

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What about insurance? Ellison and Darsy said insurance varies based on the age and value of your boat, the experience you have as a skipper and the area of the world in which you are sailing. They use the example that if you allow around $1,000 a year for a smaller yacht and up to $5,000-$8,000 for a boat worth around $400,000-600,000, you should be covered.

At the beginning of their sailing adventure, Ellison and Darsy invested in equipment to make them self-sufficient. They also purchased a good dinghy to take them to shore. Doing so allows the pair to spend most of their time on anchor and skip the marina fees, which depend on the location and season.

“Anchoring is free, and honestly, life on anchor is a lot more fun for us!” Ellison and Darsy said.

Family of Four on a Full-Time Sailboat: Around $1,300 a Month

Sara Rice, her husband and their two teenagers make up the Sailing Catalpa family. For the past five years, they have been living and cruising Southeast Asia aboard a 44-foot monohull. The family lives on $2,000 AUD a month, which currently converts to about $1,259 a month.

Rice said they mostly anchor, so they don’t have any fees. “It is very rare to pay for anchoring in Indonesia, Malaysia or Thailand and we never go to marinas.”

Their overall expense breakdown is quite minimal. Food for the family costs approximately $1,000 AUD a month. The internet costs $100 AUD a month and fuel is $500 AUD a month. There is a yearly haul out for $2,500 AUD in Malaysia and $500 AUD a month going toward miscellaneous expenses including broken bits. While there are some months where nothing breaks, Rice said the months where there are broken bits can be more expensive.

“Living and sailing remote is cheap but mostly because you have to fix everything yourself,” Rice said.

One Person on a Full-Time Sailboat: $1,000 a Month

Brian Kearin grew up living on a sailboat. Kearin, who is the founder of BoatEasy , currently owns a 38-foot sailboat.

A major cost associated with living aboard is marina slip fees or mooring fees. Kearin said this will most likely be the single largest regular expense for someone who wants to live on a sailboat.

“The cost of a boat slip varies by location but somewhere in the neighborhood of $20 to $30 per foot of boat length per month is average for many marinas in the United States,” Kearin said.

It is less expensive to pay for moorings which Kearin said can be as low as $10 per foot. There are also areas where individuals on sailboats can anchor for free and use a dinghy to reach a public dock. Keep in mind this comes with additional gas and maintenance costs.

Aside from slip fees, Kearin said there are a few other costs associated with living aboard, especially if you’re traveling with your sailboat as opposed to using it as a floating home. Regular bottom cleaning to remove marine growth, for example, will likely be needed once a month or every six weeks. It runs $2 to $3 per foot of boat length.

Those traveling from port to port should expect some costs associated with fuel for their boat’s engine and occasional maintenance for the rigging aboard. This could be $200 a month, or closer to $0 if you’re staying at anchor or in a slip and not sailing anywhere. Kearin recommends budgeting $200 for dinghy maintenance and fuel if you anchor out and use the dinghy to commute. If you’re not slipped at a marina and choose to anchor out, Kearin said you will incur costs associated with refilling water and pumping out your boat’s holding tank, usually around $30 a month.

“All said, a budget of $1,000 a month should be reasonable assuming you’re not choosing a prime marina in a major metropolitan area,” Kearin said. “If you can do some of the service aboard and dive the hull to clean it yourself then you can cut some of those costs down too.”

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This article originally appeared on GOBankingRates.com : How Much Does It Cost To Live on a Sailboat?

Living on a Boat Full Time: Ultimate Guide for Liveaboards

The fun, the sun, the family time, and the unmatched satisfaction of steering and operating a boat -- don’t you just wish it never had to end? Well, that wish has become an astounding reality for a lot of boat owners who tossed the lines and decided to become full time boaters. That’s right: the community of liveaboards is ever growing.

If you just can’t get enough of boating and it pains you to tether your trusty vessel to the dock at the end of the day, then maybe it’s high time you joined in on the bandwagon. Seriously contemplating living on a boat? Here’s everything you need to know.

Factors to Consider When Living on a Boat

Although you might already be romanticizing the idea of living on a boat, there are some serious considerations you have to make before you take that jump. Even some of the most experienced boaters will step away from the liveaboard life because of certain factors that just don’t work for their comfort, convenience, or preference.

Here are a few things you should consider before you make that big change:

Are You Prepared for Minimalist Living?

One of the biggest changes you’ll probably have to adjust to involves storage. Most liveaboard boats won’t have enough space onboard for lots of storage space, you’re going to have to live with bare minimum. That also entails frequent trips to the grocery store since you won’t have enough room to stock up for long periods of time.

Do You Know How to Perform Basic Repairs?

You’re going to encounter many different damages onboard especially during certain seasons. It helps to have some level of skill and knowledge when it comes to basic repairs so you won’t have to call a professional every time, especially when you’re too far away to find anyone to help.

What's the Weather Like?

Your local climate is going to play a role in how convenient (or how uncomfortable) your boat living situation is going to be. It’s usually not recommended for people who live in rainy regions, or those that experience severe winters to live permanently on a boat.

Is Your Family Prepared?

If you’ve got kids, then this is going to be a major change. Consider their daily route to school, and whether they’ll adjust to the new environment with comfort and ease. If you’ve got smaller kids that still like to run and play, there might not be enough room on deck to accommodate their rambunctious behavior.

Are You Willing to Give up Certain Appliances?

Washing machines, dryers, and elaborate home entertainment systems will not have a place on board most boats. Whether you’ve got a generator or a solar energy system, you probably won’t be able to supply enough power to sustain the entire range of household appliances you enjoy at home.

Where is Your Water Going to Come From?

Clean water for bathing and drinking can be tough to source when you’re living on a boat. Some boat owners install a system that lets them distill or purify water from the lake so they can safely use it for drinking and cleaning.

What About Waste Management?

You can’t just toss the contents of your portable toilet overboard. See to it that you know where your local waste management and disposal system is so you can access it whenever you need to safely and legally clean out your toilet. That also goes for whatever garbage you might accumulate on board.

Pros and Cons of Living on a Boat

Truth be told, liveaboard life isn’t for everyone. While it can be exciting and freeing, it also comes with its fair share of drawbacks that might be a little too inconvenient for those who are more comfortable and accustomed to living in a standard house.

• Opportunity to travel whenever you feel like it
• Usually more cost-effective than living in a standard house
• Forces you into an eco-friendly lifestyle
• Calmer lifestyle in touch with nature
• Deep sense of community
• Lots of time and money spent on maintenance
• Limited living space
• Susceptible to bad weather conditions
• Bugs and pests abound
• Compromised security and safety

Essentials for Living on a Boat

Because you might be used to living in a traditional house, converting to life on a boat can be a bit of a challenge. To make sure you’re ready for the undertaking, see to it that you have these basics taken care of:

Personal Items

You might have closets full of clothes, accessories, personal items, and just stuff you keep around but haven’t touched in years. Well, with the kind of limited storage space on a boat, you’re going to have to purge your closets of anything that isn’t essential.

Strip your closet down to just everyday wear, casual clothes, and maybe one or two formal outfits. You should try to do the same for your shoe closet. As for seasonal items like winter clothing, you can store them at a friend or relative’s house. If you have a locker at work, keep work clothes there.

Some liveaboards go as far as renting out a storage unit to keep all of the items they want to keep but might not be immediately necessary on board. Of course, you could also try to beef up your onboard storage by installing extra cabinets, but it’s probably not going to be enough.

Power Source

While your range of appliances might be particularly limited, that doesn’t mean you can’t have any onboard. Television sets, electric fans, mini refrigerators, and electric grills can find a rightful place on a boat - given there’s enough power to use them.

There are various services these days that offer to equip your vessel with solar energy for clean, easy power you can store up yourself. But of course, solar power can only take you so far when the stormy weather starts to settle in.

Shore power might be your best bet if you’re looking to fire up more energy-intensive appliances. See to it that your local marina will let you hook up to their power source while you’re docked. Of course, this also entails paying an extra fee.

Finally, you can try traditional fuel power with a generator. Keep in mind though that power generators tend to be noisy, which may disrupt your neighbors. There’s also the issue of cost and eco-friendliness which aren’t typical of a gas powered generator.

Maintenance Essentials

There’s going to be a whole lot of maintenance going on. Unlike a regular house, a boat is more exposed to the elements, which means it may be more susceptible to damage. That’s especially true if you won’t have the chance to dry dock your boat, leaving its hull soaked in water for extended periods of time.

Another thing to keep in mind are repairs. To some extent, you should know some basic electrical, plumbing, and mechanical skills to readily respond to minor damages as they occur. You’re also going to have to buy some reliable tools and cleaners that should always be within reach in case you need to fix something on your own.

Food Management

You can’t expect a boat to have a full-sized kitchen. And that also means you’re going to have to learn how to manage with a limited cooking space and amenities. For instance, you’re probably not going to be able to roast a full turkey for Thanksgiving .

Most of your liveaboard menu is probably going to consist of recipes that mainly entail the use of a grill. Fried and boiled entrees can also be a practical choice. That said, you’re also going to have to prepare sufficient surface area where you can prepare your ingredients, especially if you like coming up with elaborate dishes.

And then of course there’s the choice of food items in particular. If you’ve got a mini fridge on board, then you should be able to store a few veggies and meat for about a week max. Other than that though, most of your storage will be ice boxes that can only keep things cool for a certain period, unless you’re willing to replace ice cubes on the daily.

The Cost of Living on a Boat

Although the idea of living on a boat might be freeing, it’s anything but free. There are a ton of costs associated with the liveaboard life, which means you might spend just about as much as you would living in a traditional residence.

Here’s a breakdown of what you might expect to pay when you live on a boat:

Boat Mortgage

Roughly $500 for a $60,000 boat at 8.34% interest for 20 years.

Registration

This varies from state to state, ranging between $25 to $250 annually.

Boat Insurance

Insurance is in the range of $200 to $500 a year, depending on the extent of coverage, the kind and quality of boat, and its intended use.

Property Tax

6-10%, depending on the state you’re in.

Maintenance

According to experts, you should expect to pay 10% of your boat’s cost in maintenance fees each year. A $60,000 boat could cost you around $600 yearly to keep in shape.

Premier marinas can charge as much as $240 per foot per year. There are cheaper options though that can cost as little as $12 per foot per year, but that also means downgraded facilities.

Most boats will use 3-8 gallons per hour at cruising speeds, with gas costing between $3-4 per gallon. Also consider the cost of a power generator if you plan to use one.

Marinas and mooring points will charge for garbage removal, electricity, and water. Some also offer cable TV and WiFi connectivity that you can access for an added fee.

All of that of course, goes on top of the cost of food, clothes, and other personal essentials that you might require. It’s also worth mentioning that if you’ve got a bigger, more expensive boat, you also end up paying more than the estimates above. If you’re taking your family along with you, that becomes an added expense.

Other potential costs include storage fees if you’re planning to rent out a storage unit, winterization expenses, upgrades and accessories , and personal maintenance including laundry fees.

Safety and Security Considerations

Living on a boat isn’t any more or less safe than living in a traditional residence, it’s just that your concerns might be different. Understanding the potential dangers can help you better prepare for them and minimize the risk of accidents, injuries, and damages on board.

Sure, your boat might be parked just fine in a slip . But what about your car? Parking slots for cars in marinas aren’t usually secure, leaving your precious vehicle exposed to the elements and potential break-ins.

Consider beefing up your auto insurance to keep your car safe from these threats. You might also want to consider parking where there’s a CCTV system in place just for added safety.

Fire and Fumes

The limited space on a boat can make it extra prone to fires . You also have to think about gas leaks that could combust, or that could endanger your health with fumes.

Of course, the obvious solution would be to install smoke and CO2 sensors to tell you when there might be a potential threat. It’s also important to perform routine checks to ensure that everything is working fine.

Thefts and Burglaries

Houseboats are just as likely to experience robberies and break-ins as any traditional residence. And because the last thing you’d want is to have someone take anything from your already limited possessions, it’s important to take the necessary steps to protect your liveaboard.

Choose a marina with good security, well-lit premises, and CCTV systems installed. You can also install your own CCTV cameras as well as alarm systems to tell you of the presence of an intruder.

Emergencies and Accidents

Who are you going to call in case you run into a major accident that requires prompt mechanical service or medical care? While your family and friends might be a phone call away, it’s always better to know people at your local area who you can call for help.

See to it that you get contact information for your marina neighbors, the coast guard, and marina personnel. Have them at the ready in case you need to make a quick call during an emergency.

Social Life When Living on a Boat

The thing about the liveaboard life is that it’s way more social than the typical suburban household setting. For starters, your neighbors are going to be much closer to you than when you live in a traditional house. That’s also why people who live on their boats in marinas tend to enjoy a deep sense of community.

Living on a boat means helping those around you, and getting their help in return whether for small or significant things. If you’re not ready for that kind of social interaction and you prefer something a little more secluded, you can try tying your boat to an end corner where you’ll have fewer neighbors.

Some localities will also let you tie your boat to a mooring point where you’re not likely to have a lot of neighbors at all. Otherwise, be prepared to live closely alongside other liveaboards who might tether their boat next to yours.

What About Pets?

Of course, living on a boat doesn’t mean you can’t take old Fido with you. Although you might have to acclimate your dog or cat to the boat first, lots of boat owners have successfully transitioned to liveaboard life with their furbaby in tow.

As long as there’s a safe place for them to stay, and you give them enough time to run, play, and stay active onboard or on the shore, then it shouldn’t be a problem.

Best Places to Live on a Boat

While you might be accustomed to your locality already, there’s no reason you can’t move around once you start your liveaboard journey. That said, you might also want to consider whether you’d want to stay in a place that’s known for its liveaboard friendliness. Some of the best places to live aboard a boat include:

Chesapeake Bay, Maryland

Its warm climate and friendly boaters make it a wonderfully calm place to live. They’ve also got some of the best premier marinas in the state.

Lake of the Ozarks, Wisconsin

Beautiful, picturesque, and incredibly close to nature, the Lake of the Ozarks also has a number of prime locations and points of interest that you can access only via boat which says a lot about how boat friendly they are.

Corpus Christi, Texas

They’ve got great food and a wonderful ambiance that can be great for boaters looking for the perfect marriage between luxury and nature. Their marinas are also mostly new and polished, but since they’ve only recently been developed as a boating spot, prices aren’t too exorbitant just yet.

Is Boating for You?

It can be loads of fun to live on a boat. But again, it isn’t for everyone. There are some major adjustments that need to be made if you’re going to successfully transition to life on a boat. So how do you know if it’s not for you?

• Prefer living somewhere with lots of space
• You rely heavily on appliances, gadgets, electronic devices, and high speed internet
• Have a large family with lots of kids that all need their own personal space
• You’re not too handy and you have a hard time with doing repairs on your own
• Have a job that requires most of your daylight hours, leaving you with little time for maintenance and cleaning
• You enjoy a more private lifestyle where people won’t always be around to hear or see what you’re up to

Time for a Change

Living on a boat can be loads of fun, but it’s going to require some major changes. So are you ready to dive in head first? See to it that you’ve got all the basics down, and maybe try it yourself for a week to see how you fair. Of course, it’s going to be rocky at the start. But with proper execution, you should be able to transition to that liveaboard lifestyle in no time.

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Sailboat Living: 10 Things To Know Before Moving On Board

Sailboat living can sound like the dream life, and in many ways it is.

Beautiful sunsets, the freedom to travel with your home, dolphins and crystal clear seas are all a huge part of the sailboat lifestyle , but anyone who tells you it’s an easy life has obviously never really lived on a sailboat!

There are times when sailboat living can feel more like a nightmare than a dream, and no matter how much you prepare there will always be a few troublesome scenarios that you just can’t predict.

However, with a little forethought and a lot of planning, there is a lot you can do to make the transition of moving from a house to a sailboat a relatively easy one.

If you’re prepared to put in the hard work now then we promise you will reap the rewards in the future. As we learnt the hard way, we’ve put together the top 10 things that everyone should know before they move onto a sailboat so that sailboat living for you can be 98% dream and only 2% nightmare!

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#1 A Sailboat Is Never Complete

Learn this lesson fast!

Don’t expect to finish boatyard work and stop working. A sailboat breaks. Constantly. Some days it will feel as though your to-do list is endless because unfortunately, it is.

This was one of the things Adam and I were prepared for before we moved onboard our sailboat. After living on a boat in the UK we understood the crazy amount of work that has to go into maintaining something that’s constantly working.

I think a good way of looking at it would be to think of it as a house and a car combined. It has all the working parts of a house – the pipework, the electricity, the leaky windows etc.

It also has all the working parts of a car like an engine, the tires could be the sails, the lines, and all that goes along with them.

Add to that the fact that you’re putting it under huge amounts of stress at all times, in some extreme weather conditions, and you can see why things constantly fail!

Adam and I spent the first few months of living aboard feeling as though we were just sailing from anchorage to anchorage to find chandlers so we could fix things. We made friends with some full-time cruisers who quickly put a stop to that!

They explained how if we actually wanted to enjoy time on board then we had to give ourselves time off the boat work. The broken things we could live with could wait a few days while we enjoyed a new destination.

Find out how much new sails cost

We now try to only do one or two days of boat work a week, which leaves us with a weekend ‘off’ when we’re working our jobs for three days. This suits us perfectly, but you’ll need to find a pattern that works for you to make sailboat living more enjoyable!

A bonus of living onboard is that you do have the extra time to dedicate to keeping the sailboat in tip-top condition.

Many weekend sailors find themselves with a long list of jobs at the end of the season, but (depending on how cheap/how lucky you get when you buy your boat!) if you get some jobs done every now and again through the season you’ll keep the long stints to a minimum.

#2 Sailboat Living = Tiny Space Living

Think of sailboat living as living in a glorified tent and you’ll be (partly) prepared! There is nothing glamorous about sailboat living!

You’ll be getting changed in tiny spaces where you may or may not be able to stand. You’ll be squeezing into the toilet or squeezing past people to use the kettle. It’s a juggling act, even when all your belongings are stashed away neatly.

Add to that the fact you’ll probably be ripping open cupboards every other day to find that essential item that was placed under all the other essential items and it becomes pretty hard to manage!

Our top tips for managing space onboard your sailboat are to downsize before you move in and to prioritise sailboat storage. It might be a hard thing to do to start with, but you’ll be so thankful you gave up all nonessential items before you even moved aboard.

It’s amazing how quickly you can fill a boat when you live on it! We have loads of handy tips on how to maximise limited space in our post on sailboat storage ideas – check it out before you start sailboat living!

#3 Water, Water, Everywhere But Not A Drop To Wash In

Get used to living frugally. We don’t necessarily mean your finances (though it is possible to live on a budget on a sailboat, check out what we spend monthly here).

Things like water and electricity are limited on a sailboat, especially if you’re spending the majority of your time at anchor.

Unless you have a sailboat watermaker (which we highly recommend splashing out on!) you need to get used to using as little water as possible . It’s not always easy to find when you live on the sea.

Get used to taking sea showers and washing dishes in saltwater. You can always rinse in freshwater, and washing in the sea really isn’t too hard once you’re used to it!

Set your sailboat up with a good way of making electricity as soon as you move aboard. You’ll want decent amounts of solar power and possibly a wind generator too, especially if you’re planning on spending time in countries that don’t see very much sunshine or spending winters at anchor.

You’ll also want to make sure you have a good battery bank for storing it over night, and you may even want to consider getting a small generator if you rely on power for things like charging laptops to work from.

#4 The People You Meet Will Be A True Highlight

The sailing community is what makes sailboat living. They are the most giving and generous community of people we have ever met and the best memories we have are the ones we spent with other cruisers.

It’s not always easy to meet other sailors while you’re living at anchor, so our advice is to make the effort and say hi where ever possible. People are always happy to share a drink or dinner, and a salty tale or two!

Meeting other sailors is also the very best way to learn more about sailing life. No matter how long people have cruised for they always have an experience worth sharing and learning from.

#5 The Weather Controls Your Life In Sailboat Living

We check the weather twice a day, every day. It may seem obvious that the weather is important on a sailboat, but until we moved aboard we didn’t realise quite how much it would affect our lives.

You might be desperate to move the boat and explore somewhere new but find you have no wind to sail. Or you might fall in love with an anchorage and want to stay but be forced to move because of a change in the direction of the wind.

We’ve had to leave beautiful anchorages in the middle of the night because an unpredicted storm had blown through, or been stuck in places we don’t like because the wind has meant it’s the only safe place to be.

The positives of being governed by the weather is that you’re so much more in tune with it. You get up when the sun rises, you notice subtle changes in the temperature and you learn to read the wind and clouds.

Before you move on board you should start checking the weather and anchorages around where you plan on sailing. It makes life easier if you’ve scouted out the best places to be in different weather conditions.

Check things like whether there are safe anchorages for different wind directions or whether you’ll need to use marinas (and how much they’ll be!), and check if there are any ‘bolt holes’ you can use as safe havens in the event of unexpected storms.

You’ll feel more confident and comfortable if you have all this information to hand when you start sailboat living.

#6 Sailboat Living Means Leaving Your Privacy On The Dockside

You’ll be sharing a tiny space with your crew and they will quickly learn literally everything there is to learn about you. And you them.

Before you move onto a sailboat make sure that you’re happy with sharing everything with the people you’re sailing with. I don’t mean you have to tell them about your childhood (though night passages can be pretty dull!) but be prepared to share what you eat, when you toilet, potentially what you throw up.

Expect to be walked in on while you’re changing or showering. Understand that boat toilets break – a lot – so no matter how careful you are you might well end up elbow deep in someone else’s last nights dinner!

#7 Learn To Work As A Team – Quickly

Sailboat living requires a huge amount of team work (unless you’re planning on living alone of course). You need get into a very different mindset when you live and work with the same person or people day in, day out, and when you depend on them (quite literally) to survive.

One of the biggest reasons that people quit at sailboat living is because they fall out with their partners, or call it a day before they do. Sailboat living is hard on relationships, but it can also make your relationship better and stronger if you’re prepared to work at it.

There are lots of things you can do to prepare for this change and I’ve put together a whole range of tips to help you with spending too much time with your partner .

Ultimately, one of the best things you can do is know that this isn’t going to be easy, no matter how strong your relationship is on land. Be prepared for this as a couple, and be prepared to work hard on your relationship when the tough patches come!

#8 Nature Is Incredible

I know, I know, we all know nature is incredible. But sailboat living brings you so much closer to it in so many different ways.

You see things you’d never get a chance to see on land. Every time you jump in the sea you find new sea creatures, either from snorkeling or finding them clinging on to your hull, or washed up on deck.

You see turtles, whales and rays. Birds come to find rest on your boat while you’re on long passages and dolphins swim beside you as you make waves for them to play in.

Then there’s the sunrises and sunsets, and the endless starlit skies. The thunderstorms that you’re suddenly a part of, when before you could hide inside brick walls. The constantly changing sea and sky, and the sun and wind. You become part of it, and you depend on it, and you’re terrified of it.

Sailboat living makes you feel like you’re part of the nature around you rather than just a lucky spectator. It’s certainly changed the way I see the ocean and the weather for the better and I have a new found respect and healthy fear of it’s power and awe.

#9 Prepare For Sleepless Nights

Before we set off cruising full time I had no idea how little sleep I would get. There are so many different things trying their hardest to ruin a good nights sleep on a sailboat.

Firstly, the weather. If it’s windy, you’ll be half awake all night just watching the anchor and wondering if this will be the night it pulls out and you drag into some rocks.

You’ll be waiting for the wind to shift slightly so that you’re no longer protected from the sea. And even if you’re super happy with your anchoring set up, the wind through the halyards makes a very disconcerting noise!

If the weather is calm that doesn’t mean the sea will be. You can never predict whether the anchorage you arrive in will be the rollyest place on the island, so you’ll spend a good few nights just rolling around all over the place trying your hardest to stay in your berth.

Then there’s the heat (or the cold, depending on where you sail). It can be unbearably hot inside a sailboat, so consider buying a decent hammock and sleep under the stars instead.

But if you decide to sleep outside you’re going to want a mosquito net, because those things are FIERCE. Never have I ever experienced so many sleepless nights due to a buzzing in my ears and painful bites all over my legs.

If you can find a comfortable set up with your hammock and mozzie net then sleeping outside on a sailboat is one of the most magical things ever. The stars are brighter than you could ever imagine, and there are shooting stars a plenty. The stillness of a calm night at anchor is one of the very best things about sailboat living.

If you’re sailing with a baby you can expect even less sleep – make sure you’re prepared for that!

#10 Sailboat Living Is More Difficult Than You Could Imagine (But Totally Worth It)

Difficult sounds bad, but that would be inaccurate when describing sailboat living. It’s the hardest thing I’ve ever done and the best. And part of what makes it the best is that it’s the hardest. Does that make sense?!

Sailboat living can feel like a constant battle at times. You have to trek for an hour to find the gas to light your oven to make a cup of tea in the morning. You then have to go back again because you forgot the tea bags. Things break and need fixing. You can’t sleep because of a storm. You can’t leave the boat for days because the winds up and you’re scared the anchor might pull out.

I think people run away to sea to find freedom, but like everything freedom can be defined in so many different ways.

Sailboat living takes away your freedom of easy access to food and water. It takes away your freedom to step out of your front door into relative safety. At times it even takes away your freedom to run and walk.

What it does give you is freedom from monotony. Freedom from daily routine. It gives you the freedom to travel where you want (if not when you want) and the freedom from material possessions.

It doesn’t matter what you wear on a boat, it doesn’t matter how flashy your boat is or how much you smell! At the end of the day, out on the sea, it’s just you surviving. And in a way, that’s the most free I’ve ever felt.

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15 comments.

I’ll be moving on a sailboat with my girlfriend this (still very new) year and I discovered your blog via Pinterest. We’re also writing weekly blog posts about our journey. Your writing is excellent, and I’d like to follow you on your mailing list. But it seems your form does not work. Fix it maybe? 🙂

Ah that’s strange! I can see people are still signing up, will have a look into that! Thanks for letting me know. Thanks so much for reading along. Where’s your boat? I’m so excited for you – those first few weeks aboard are the best!

I can’t seem to sign up for more. The web page has an error on my Android. Bummer.

Can you please add my email address to your email distribution list?

Thanks, Steve

So glad to come across you guys, finding out as much as we can before we take that leap. We are a couple coming to the end of a army career. The last 2 years will be in Kenya Nanyuki. Posted in June. Then we plan to get the dream sailing boat and travel. I am doing all my home work trying to find out as much as I can before we do this. Looking forward to reading about you both and tasking in everything any thing that we will I’m sure be incredible useful. Thank you Sandy

Sorry for the late reply, I’ve only just noticed your lovely comment. I hope you’re getting further along with your dream – would love to hear about it! If you need more help we’ve put together a huge guidebook detailing everything we’ve learnt, from the very beginning of the journey through to buying the boat and eventually living aboard and making it all work. https://twogetlost.com/guidebook

That’s really nice post. I appreciate your skills. Thanks for sharing.

Thanks for reading!

Thanks for the honest truth in this article. Doing all the research possible before following our dreams and in your footsteps 🙌💕⛵⚓

Thanks so much for your kind comment and really pleased we could help! Keep us updated on your journey, you won’t look back!

Wow! I am on a boat reading this while my partner is away for the first time in months, and it made me feel less insane and like there are tools to help us live our dream of minimalist sailboat life.. Thank you so much for your wise words and good tools..

I’m so pleased it helped and excited for you starting this journey! You won’t regret it, and we’d love to hear more when you find the perfect boat and move aboard! If you need more help we’ve put together a huge guidebook detailing everything we’ve learnt, from the very beginning of the journey through to buying the boat and eventually living aboard and making it all work. https://twogetlost.com/guidebook

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Any suggested reading on preparing your land life (home, insurance, anythin really) for departure. Sell the home or rwnt, thinks like that. Want to start preparjng a year ahead and struggling to make a plan..any blogs ir reading suggestions would be appreciated!

Hello, thanks for reaching out. First off – congratulations! You’re obviously set on your plan to move aboard and it will be amazing (and lots of other things too!!) We actually cover all this in part one of our guidebook. We go through everything we had to consider before moving aboard, things like whether to sell or not to sell, what to do with all your things, even little considerations like what to tell family and friends. We’ve included tick lists for planning the change in lifestyle. You can find it here. https://twogetlost.com/guidebook Part 2 is for after you’ve bought the boat – getting the boat ready for living aboard and all the other things that come along with living at sea. I hope it helps and please do let us know how you get on – perhaps we’ll see you out here soon!

It’s helpful to understand that when living in a sailboat, the weather controls every aspect of our lives. Not long ago, my wife and I decided to invest in a sailboat because we love the sea and nature. We’d like to buy one this year, and maybe in the future, we’ll need to read carefully your advice about living in a vessel.

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My Cruiser Life Magazine

17 Best Sailboats to Live On + What You Should Know First

Many dream of living aboard a sailboat, but finding the right one can be daunting. There are many different types, and countless manufacturers have come and gone over the years. 

Here’s a list of 17 options – a sailboat for every sailor on every kind of budget. 

Table of Contents

17 best sailboats to live on, pros of living aboard a sailboat, cons of boat life.

• Find Your Type of Boat 

Set Your Boat Budget

What size boat to pick, best liveaboard sailboats under 35 feet (< 35 feet), best liveaboard sailboats under 40 feet (35–40 feet), best liveaboard sailboats under 45 feet (40–45 feet), best liveaboard sailboats under 50 feet (45–50 feet), best liveaboard sailboats under 60 feet (50–60 feet), want to live on a sailboat, best sailboats to live on faqs.

• Catalina 34/35
• Panda/Baba 35, Tashiba 36a
• Gemini 105MC
• Islander Freeport 36
• Passport 40
• Jeanneau Sun Odyssey 42DS
• Leopard 42/43
• Beneteau Oceanis 473
• Hallberg Rassy 46/48
• Leopard 46/Moorings
• Amel Super Maramu 2000
• Privilege 585

What to Know First

So, boat shopping is a challenge, to say the least. Understanding where to start and what to look for comes down to understanding what you want to do with your boat.

Here’s a look at some pros and cons of living aboard to get you started.

• Seaside living at a fraction of the cost of a waterfront home
• Ability to travel anywhere by water
• Ability to move anytime—not tied to one location/town
• Different liveaboard lifestyle options to choose from: at a dock, mooring, anchoring, cruising (traveling)—tired of one, mix it up for a different experience
• Small living space lacks storage and privacy
• Limited resources: you must meter your fuel, water, and electricity use when not at a dock
• More exposed to the elements and more affected by weather events
• Seating and furnishings are less comfortable than in a house
• Constant maintenance to keep the boat seaworthy and clean

How to Find the Best Boat to Live on Year Round

At first, you might think boat shopping is like looking for a new car. But when shopping for a car, you have a small pool of manufacturers and models to choose from. In the end, you might have five choices and already have an opinion about each maker’s quality and reputation.

Boats are different. We’re usually shopping for boats that are a decade or more old. The manufacturers may have gone out of business years ago. When you total up all the possible makes and models of each type of boat, you might have dozens of choices with brands you’ve never heard of. Yikes!

Find Your Type of Boat

There are dozens of types of boats you could live on, depending on where you want to live and where you want to take it. Most people shopping for a sailboat will choose between coastal cruisers, bluewater boats, and sailing catamarans.

Here are some of the pros and cons of these sailboat types. 

The Coastal Cruiser

• Inexpensive compared to bluewater and catamarans
• Perfect for dock living or near-shore hops
• With modifications and the right outfitting, many have island-hopped the Caribbean
• Many to choose from, and often they are lightly used
• Designs are often race-inspired and faster than typical heavy bluewater boats
• Newer, bigger boat for your money
• Often production boats have low-quality, lightweight builds

Related: Best Trailerable Sailboats

The Bluewater Sailboat

• The best bluewater cruising sailboats are capable of going anywhere
• Built to last and take anything
• Give the most comfortable ride in rough conditions
• Newer examples are expensive
• Good ones sell quickly
• Older vessels may be tired and in need of an extensive refit
• Often lack the living space that coastal cruisers have—narrower beams and transoms

The Catamaran

• Cruising cats have the maximum living space, especially cockpit dining and upper salon
• Light-filled with plenty of airflow, perfect for the tropics and living at anchor
• Larger models (40+ feet) are bluewater boats capable of going nearly anywhere
• A shallower draft than most monohulls allows for more cruising and anchoring choices
• More expensive to purchase, keep, and maintain than similar-sized monohulls  
• The most in-demand vessels, prices are high and good ones sell fast 
• Sometimes hard or expensive to find dock space and boatyards that can haul it out for maintenance

Still unsure which side of the monohull vs. catamaran debate you’re on? Try to get aboard some boats and experience the living space first-hand.

Everyone has a budget when going boat shopping, even if you’re Jeff Bezos or Elon Musk. Establishing how much you can spend on your boat is the biggest factor that will affect your decision, and it’s the backbone for all other decisions. 

You must understand just how much boat costs increase as the size of boat increases. Boats are already expensive, and the average cost of owning and buying a liveaboard sailboat varies dramatically. But when the boat gets bigger, it needs bigger hardware, lines, rigging, sails, motors…everything. And bigger means more expensive, so these costs add up fast.

And then there are your storage and boat maintenance costs, all of which are charged per foot. The marina might charge you $15 per foot/per month for a dock slip, and the boatyard will similarly charge you per foot to haul and store the boat. Divers charge per foot for bottom cleaning, as do detailers for annual compounding and waxing of the hull.

When it comes to budgeting, there are two rules of thumb. 

• Always pick the smallest boat you can comfortably live on.
• If you have an amount budgeted for your boat purchase, spend half on the boat and save the other half for outfitting and maintenance.

As you’ll see below, boats can be grouped by price and size. When you go up in size, you go up in price—often by a lot.

The size of the boat is a factor of your budget, but also of how big a boat you can handle. Most people believe this means driving it and maneuvering it, which is true to some extent. But a good training captain can teach you what you need to know to drive any size boat in just a few sessions. 

No, the size of the boat you can manage refers more to how much maintenance you want to do. The bigger the boat, the more complex and plentiful its systems. There’s more to break on a bigger boat, and more things broken means more time fixing things.

Catamarans compound this by doubling a lot of the systems. Two engines, two saildrives, two hulls to wax, two hulls to bottom paint—you get the idea.

Another factor you should consider early on is getting insurance. Yacht insurance has gotten harder and harder to get in recent years. If you’ve never owned a boat and have no experience, you might be forced to get something small (think an under 30-foot daysailor) to get some experience on before you move up. It’s also difficult because many underwriters won’t write policies for liveaboards. 

As a general rule of thumb, most people will find boats under 35 feet too small to live on full-time. Most of these vessels don’t even have standing headroom. There is often only a “wet head,” one where you take showers while sitting on the toilet.

Boats 35 to 40 feet are good for solo travelers or couples who don’t mind living in small quarters. The beds will be small and accessed only from one side, as in a v-berth or a Pullman-style berth. If there is one, the second bunk is likely only for the occasional guest. 

You’ll get better accommodations when you move up to 40 to 45 footers. The second bunk may be in its own stateroom. The main suite will have an island-style berth that can be accessed from both sides—a huge upgrade for most couples. The head will likely have a separate, enclosed shower. This size sailing yacht makes a good liveaboard sailboat for most boaters.

Boats bigger than 45 feet are best for bigger families. If you often travel with kids or guests, these are the boats for you. They’re extremely spacious and make boat living easy, but the extra maintenance and cost may not be worth it.

The List — Best Sailboats to Live Aboard

All lists, whether found in internet blogs or international sailing magazines, have issues. There’s no one list to rule them all because there are simply too many different boats out there. And everyone uses their boat differently, so the “best” for you might be a terrible choice for me. Different boats for different folks, so to say.

So, what’s the deal with this list? It’s made from personal experience of having seen a lot of boats out cruising. And it’s a list that tries to put aside the fantasies—Oysters and Gunboats are pretty in magazines, but like Ferraris, not many of us will ever own one. So let’s look at some practical boats that fill each size category. 

For every boat on this list, a dozen or more could’ve been included. Use these models to research brands and see which sizes suit your needs.

Boats under 35 feet tend to be best suited for solo travelers or couples comfortable living in small spaces. As always, coastal cruisers in this class have much more space than bluewater boats do. Catamarans in this class are also coastal cruisers—you need more length and volume to get real bluewater performance out of a cat. No matter which type of boat you’re looking at here, storage space on this size of liveaboard boat will be limited.

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Coastal Cruiser Under 35 — Catalina 34/35

If you want to move aboard, you’re on a budget, and you want the most space you can get, it’s really hard to beat an older Catalina. Starting with the Catalina 30, these beamy boats have a surprising interior volume. They make great first liveaboards.

Bluewater Sailor Under 35 — Panda/Baba 35, Tashiba 36

The famous yacht designer Bob Perry drew these Taiwanese-built boats, all tracing their lineage to the older Tayana 37 . They’re updated slightly and built by different yards, but all full keels with cutaways and built for bluewater cruising. They all have gorgeous teak joinery and are comfortable and forgiving at sea. 

Catamaran Under 35 — Gemini 105MC

The Gemini 105M and 105MC were arguably the most popular cat models ever. They’re American-built, with a single diesel engine and a narrow beam that allows them to be parked in a standard boat slip. In the US, this means many more marina choices if that’s how you roll. The boat has centerboards and kick-up rudders, so the board-up draft is a scant 18 inches—gunkholing perfection. 

While some Geminis have crossed oceans, they aren’t made for it. They have average (sometimes below-average) build quality and fiberglass work. However, they’re perfect coastal cruisers and capable of heading into The Bahamas.

The Gemini should be on your shortlist if you’re looking for a cheap catamaran .

Runner Up: PDQ 32

Are you looking for a small cat with better build quality? They didn’t make many of them, but the PDQ 32 is what you seek. It’s an attractive small catamaran with a wider beam. It came with twin outboards in wells, but the LRC (long-range cruiser) option had inboard diesels.

Forty feet is the sweet spot for most cruising couples—big enough to be comfortable and carry enough provisions but small enough that handling and maintenance are manageable. This class of boat has a lot of excellent choices in both coastal cruiser and bluewater boats, making it a good size range to find the perfect affordable liveaboard sailboat.

The catamaran group from 35 to 40 feet has a few very popular choices, but they are right on the edge of being too small for most cruisers. Counterintuitively, these cats are perfect for couples who don’t mind downsizing and traveling lightly. These shorter cats are prone to hobby horsing and don’t provide as comfortable a ride in bluewater as slightly longer cats do. 

Coastal Cruiser Under 40 — Islander Freeport 36

The Islander brand is no longer around, but these California-built production boats from the 1970s and 80s were well-built and well-liked. The I32 and I36 were very popular cruising boats designed by Bob Perry. The Freeport 36 is a before-its-time European deck salon with enormous windows. The swing-down swim platform is another bonus for a boat from this era, as are the Pullman-style berth and forepeak-located head (some layouts). If you can find one in good condition, these boats make excellent liveaboards. 

Bluewater Sailor Under 40 — Passport 40

Yet another boat from the desk of Bob Perry, the Passport 40, is a sharp-looking aft-cockpit bluewater cruiser from one of the best yards in Taiwan. They feature a long fin keel and skeg-mounted rudder. Everything about this sloop is just right for long-term cruising.

Catamaran Under 40 — Prout 38

The Prout 38 traces its heritage back to the earlier Prout Snowgoose. The boat is still being made, now under the Broadblue brand. It’s a sturdy British-built cat made for serious offshoring. While it lacks some of the open feeling that newer charter boats have, it more than makes up for it with its robust and high-quality build.

Runner Up: Leopard 40 (2005-2009)

This early L40 (don’t get confused with the newer ones built around 2020) was designed by famous multihull designers Morelli and Melvin. It’s got more of the things you might expect from your typical charter cat: a sliding salon door, galley-up layout, and a huge walk-through cockpit.

While this seems a small step up from the size of boats above, prices increase rapidly above the 40-foot mark. At this point, the boat’s gear needs to be bigger and heavier, from all the lines and rigging to each block and winch. Engines are now larger four-cylinder diesels, and there’s much more hull area to clean and paint. 

A 45-foot coastal cruiser has enough space to keep a small family happy for short trips or a couple happy for any length of time. These boats usually have island berths in a spacious master bedroom, so no more crawling over each other just to go to the bathroom! Bluewater boats in this class are a little smaller inside, making them just right for most couples doing a long-term cruise.

As far as catamarans go, the 40 to 45-foot range is the perfect sweet spot for most cruising couples. A spacious interior plus excellent seakeeping abilities make these top picks. There are tons of boat choices out there, and most of the best cruising catamarans come from this size group.

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Coastal Cruiser Under 45 — Jeanneau Sun Odyssey 42DS

Jeanneau is part of Groupe Beneteau , but their boats often have a more refined finish than Beneteaus. The DS stands for “deck salon.” They feature larger windows that let in more light and have better visibility than a standard cruiser. This is especially welcome if you’re attracted to the living space in a catamaran but need something smaller and more affordable. 

The 42DS also has an enormous island berth, plus a huge twin-helm cockpit with lots of space for entertaining.

Bluewater Sailor Under 45 — Hylas 44

The Hylass 44 is regularly picked as one of the best offshore cruising boats. It’s a center cockpit boat designed by German Frers.  It has a wonderful layout with tons of living space and a large, usable galley. The aft cabin has a large island berth with an en suite head. 

Catamaran Under 45 — Leopard 42/43 (2001-2006)

These early Leopard charter cats are highly sought after on the used market. Like all charter cats, the best finds are the “owners versions” with one hull dedicated to the master stateroom with en suite head and shower. The Leopard 42, which came out in 2002, had a soft canvas cover over the cockpit and was updated to the Leopard 43 with a hardtop. 

Above 45 feet is another big price jump. For beginners, these big boats will require some training and experience before you head out on your own. 

Related: Best Boat for Beginners

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Coastal Cruiser Under 50 — Beneteau Oceanis 473

This big Beneteau came with either 2, 3, or 4 staterooms. Finding the right layout is as important as finding the right boat. The two-stateroom version has enormous berths and lots of storage, perfect for couples with occasional guests or families of three. Most have the standard keel with less than a six-foot draft, making this fin keel/spade rudder boat a rare find. They were built from 2000 to 2005.

Bluewater Sailor Under 50 — Hallberg Rassy 46/48

Hallberg Rassys are well-regarded boats built in Sweden, mostly designed by German Frers. These are high-end boats of the best quality, so don’t expect to find one available cheaply. They’re gorgeous, however, and make wonderful world cruisers.

Catamaran Under 50 — Leopard 46/Moorings 4600 (2006)

If you want a big catamaran, it’s hard to go wrong with the 2006 Leopard 46. Where modern Lagoon and Leopards have tall profiles with tons of windage, this is one of the newest, largest boats that still have single-level living. It has distinctive hull chines that increase living space without increasing wetted surface and plenty of sail area for good performance. In true Leopard fashion, all lines are led to the helm for easy short-handed cruising despite the boat’s large size.

Boats in this class are borderline yachts based on their sheer size. If you were to charter these boats, they’d usually come with a crew. That size means they’re more expensive and more of a handful to manage daily. 

Coastal Cruiser Under 60 — Irwin 54

The Irwin brand is long gone, but many examples are available on the used market. They were known especially for their large center cockpit ketches, like this 54-footer. This is a spacious, big water boat that certainly meets the qualifications of most bluewater boats. They can go anywhere, but they may need maintenance and refit given their ages. 

Don’t get to lured by the low prices of these boats. You’ll have to lay out some serious cash to get one ready to cruise long-range. But if you aren’t opposed to some hard work and projecting, the Irwin can get you a lot of boat for not much money.

Bluewater Sailor Under 60 — Amel Super Maramu 2000 (53′)

Made famous by the Delos YouTube channel, the Amel is a French-built brand of high-quality bluewater boats. Today, this brand’s new models look like many others—wide sterned, flat-bottomed sloops. But the Maramus that made them famous were unique—ketch rigged and ruggedly built, designed to take a cruising couple anywhere. Electric winches were standard on everything to keep such a large boat easy to operate.

Catamaran Under 60 — Privilege 585

Privilege is the French-made catamaran that you don’t hear enough about. Unlike Lagoon and Fountaine Pajot, these are beefy cruising boats ready to take you anywhere. Their construction and fit-and-finish are first-rate, as is the joinery down below. 

Living on a sailboat is an adventure—it’s not for everyone. Finding the right boat is an important part of doing it successfully, but it’s not the only step in preparing for the lifestyle.

You should also consider checking my post on liveaboard catamaran options, to make sure you research thoroughly enough!

What makes a great liveaboard sailboat?

Everyone’s priorities for a liveaboard sailboat are different—a bluewater cruiser looking to sail around the world might pick a very different boat from someone who lives full-time dock life. In general terms, you need to find a boat that is safely capable of taking you where you want to go and has enough living space to be comfortable while doing it. 

Sailing catamarans are some of the most popular liveaboard sailboats because their living space is unmatched. Most are also bluewater-capable cruisers that can go pretty much anywhere. 

What is the best size sailboat to live on?

The size of the boat you’ll be comfortable on long term is a personal choice that depends on your personality and the number of people you’ll be traveling with. Solo travelers may be content with a sailboat around 30 feet, while most couples are comfortable on something around 40 feet. Forty-five to fifty feet is more realistic if you often have guests or kind on board. 

With all of this in mind, however, it’s really important to remember that the costs of buying and maintaining a sailboat increase exponentially with length. Getting the smallest boat you are comfortable living on is always better because that will be easier to manage and keep in the long run.

What are the negatives of living on a sailboat?

People live on their sailboats differently, so it’s difficult to narrow down the biggest negatives. Everyone struggles with the small living space that a boat affords. You’ll have to downsize your possessions to the absolute minimum you need. And getting personal space away from your spouse or family is pretty much impossible on a small boat. 

Why are sailboats so expensive?

New boats require a massive investment in time and resources to produce. The nicer the boat, the more time and skill it takes to build, which makes costs soar. Some production companies, like Beneteau, have found ways to reduce production costs and keep the price of new boats more reasonable. But these boats pale compared to other yachts in terms of overall quality. 

Older used boats can be found pretty cheaply. In fact, it’s often possible to find free or nearly-free boats that are on their way to the junkyard or dumpster. The key is understanding how much work and money it will take to get these boats ready to go again. 

Is it a good idea to live on a sailboat?

Living on a boat is an amazing way to experience seaside living or traveling the world by water. But it’s also a unique, out-of-the-ordinary lifestyle choice that’s not without challenges. 

Before you move onto a sailboat, you’ll want to research the topic carefully and talk to some folks who already to it. Many people start with occasional boating, spending a week or more onboard to try it out. With a little experience, it’s easy to see if it’s something you could do for the long term or if it’s best to keep a land house and enjoy the water occasionally.

Can you live comfortably on a sailboat?

Many people live comfortably on sailboats, but a lot depends on the size of the sailboat and your tolerance for living in a small space. Even the largest sailboats can feel cramped, while some folks love the cozy feeling of living on the tiniest boats. 

Matt has been boating around Florida for over 25 years in everything from small powerboats to large cruising catamarans. He currently lives aboard a 38-foot Cabo Rico sailboat with his wife Lucy and adventure dog Chelsea. Together, they cruise between winters in The Bahamas and summers in the Chesapeake Bay.

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True Cost Of Living On A Boat (7 Liveaboards Answer)

Being able to bring your home to many different places is extremely exciting for many people. There are however many things that you have to consider before deciding to become a liveaboard (someone who lives on a boat). One of these is the cost. After interviewing 7 different people who live aboard, this is what I found:

On average, boaters who live aboard pay between $1,500-$3,500 per month. Sailboaters who live aboard pay around $1,000-$2,500 per month. This includes costs for a boat loan, marina slip rent, electricity, fuel, maintenance, and insurance.

Obviously, there are many factors that go into this, so use the calculator below to get a more personalized answer.

If you are getting a loan to purchase a boat, add the monthly payment to this number to get your answer. Most boat loan payments are $500-$1000 per month.

Table of Contents

What your monthly bill will look like

Is living on a boat cheaper than living in a home or apartment?

This answer depends on many factors, but in general, it is 20-40% cheaper to live on a boat than in an apartment or home in a similar area. Once you fully pay for your boat, it’s about 2 times cheaper to live on it. If you moor in free areas, it could be even cheaper.

For example, @sailingvesselki pays $1,000 per month for boat slip rent in Seattle and around $400 for maintenance, utilities, etc. If he were to get an apartment in Seattle, rent would cost around $2,200 per month ( source ) plus another $200 in utilities and such.

So my Instagram friend @sailingvesselki is saving $1,000 per month in rent by living aboard. Although, it’s important to remember that he had to put up an initial investment for his boat. So he will only start to save money once that initial investment is paid off, which could take years.

One can look at a boat purchase as something similar to a down payment on a home and the marina rent like the mortgage. Although, unless you own the slip, you won’t be putting money into the equity of it. So if you believe you are going to stay at a slip for a very long time, it is a good idea to buy it (you could get a loan similar to a mortgage to do so).

How much does it cost to dock a boat at a marina and live aboard?

The cost of docking your boat at a marina depends on the location of the marina, how nice the marina is, and if you plan on living aboard or not. Many marinas either don’t allow living aboard or charge a fee to do so. After researching a couple of marinas, I found they generally charge 20-40% more to live aboard.

So taking that into consideration, we can find how much it costs to rent a slip and live aboard in a marina:

It costs around $13-$30 per foot each month to rent a slip at a marina and live aboard. Location, amenities, demand, and electricity use are some of the most common factors that will determine the price of a marina slip. The price that I found to be the most bang for the buck was $17 per foot.

If you want to get a more exact answer, check out this article .

If this seems too pricy for you, you could find places to moor your boat for free. The downside to this is you are less protected from the wind and waves, and you can’t connect to city electricity or water. Many boaters who do this invest in solar panels such as these ones on Amazon.

Another thing to consider is many marinas have multi-year waiting lists. So if you plan on living aboard, get on the list as quickly as you can.

How much does a liveaboard sailboat cost?

Sailboats are the best option for living aboard if you want to keep your costs down. Not only is fuel cheaper (because you either don’t use it or barely use it), but buying the vessel itself is also cheaper.

A new liveaboard sailboat is going to cost around $80,000 to a million. Used liveaboard sailboats sell for around $10,000-$100,000. The average monthly loan payment for a used liveaboard sailboat is $150-$700 per month. For new sailboats, it is $550-$1500 per month.

How much does a liveaboard boat cost?

Although motorboats are more expensive, they are easier to learn how to use and travel much faster. Having an engine will end up leading to many maintenance costs that you otherwise wouldn’t have with a sailboat.

A new liveaboard boat costs around $300,000 to the millions. Used liveaboard boats sell for around $30,000-$600,000. The average monthly loan payment for a used liveaboard boat is $500-$4,000. For new boats, it is $2,000-$8,000 per month.

How much does fuel cost for a liveaboard boat?

Obviously, sailboats will use very little to no gas, so this is directed towards people interested in living on a motorboat. Local fuel costs, the amount you travel, and your vessel’s gallon per hour rate are the three factors to look at. These numbers will be completely different for everyone, but here’s a good indicator of how much it will cost.

After asking 4 different liveaboard boaters, they all paid around $50-$800 per month on fuel. Boaters who mostly stayed in the marina spent around $50-$150 per month. However, boaters who explored a lot (500+ hours running time a year) spent around $300-$800 a month.

My friends over at MV Freedom on YouTube pay around $3,500 on fuel per year ($292 a month) with their boat that burns only 2.5 GPH (gallons per hour). Their old boat burned 30 GPH and cost them $10,000 per year ($833 a month) on fuel. They ran their boats for around 600 hours a year.

So if you plan on traveling a lot, I would recommend looking for boats that have very good fuel efficiency. You may not cruise as fast, but your wallet will thank you. Check out the MV Freedom video below to see real examples of the costs associated with living aboard.

How much does insurance cost for boaters living aboard?

According to ramseysolutions.com , boat insurance for large liveaboard-type vessels cost around 1-5% of the boat’s value. Most marinas will require you have boat insurance, but most states don’t require it (just Arkansas and Utah do).

Severe boating accidents are rare, but it’s always recommended to insure a liveaboard boat. This isn’t just your boat, it’s also your home. Hurricanes or other natural disasters could damage or destroy your boat and without insurance, the money’s gone.

How can you lower your insurance cost for a liveaboard boat?

• Get a less expensive boat. The cheaper the boat, the less insurance you’ll pay.
• Get a sailboat and not a motor boat. Engines are very expensive and are prone to breaking. Sailboats either don’t have an engine or have one that doesn’t get much use. This makes them much cheaper to insure.
• Become a registered captain. By becoming a registered captain with the USCG your insurance company will trust you won’t crash your boat. This leads to a smaller insurance bill. Click here to find out how to become one.

Best boat insurance companies for liveaboard boats?

There really isn’t a best insurance company out there. Any of the major companies such as Geico, Progressive, and USAA will be great places to get quotes from. Do some shopping around and find the company that is giving you the best deal (always make sure it’s a reliable company).

How much does maintnance cost for boaters living aboard?

Maintenance will either come down to a huge expense or a lot of work. I wrote an article here about not only the cost of boat maintenance but all the different things that must get done. There is a lot, especially if you’re boating in saltwater.

In that article, I found that boat maintenance generally costs around 10% of the price of your boat annually. If you do everything yourself, you could probably get that number closer to 5%. Although, many times you will have to learn the skills needed to do boat maintenance through YouTube and articles.

So not only will maintenance cost you money, but it will also cost you time. On average, you will probably spend around 10 hours a month doing boat maintenance. Most of this time will be taken up by cleaning and waxing your boat.

How much does electricity cost for boaters living aboard?

When living aboard, there are two ways most boaters get their electricity. That is either from renewable energy sources (solar, and wind) or from the marina.

If you only use renewable energy sources to power your liveaboard boat, you will pay nothing except the initial investment. This usually costs around $1,500-$3,000 one-time payment. If you connect to marina power, you will pay around $50-$200 a month on power.

Some marinas will charge a flat rate for power each month and others will charge how much you use. So it all depends on your specific situation.

In locations where you need to run the A/C or heater, you will end up using more power. If your marina charges by how much electricity you use, you may end up paying over $100.

How much taxes do you have to pay if you live aboard?

Sales tax, use tax, personal property taxes, and property taxes all affect you if you plan on living aboard. Depending on the state you’re in, how much you will be paying will vary.

The tax that will probably be the biggest expense is property tax. Most of the time, you will have to pay property tax on your marina slip. Property taxes for boats are usually only around 0.1-0.5% of their value. So pretty cheap.

If you want to find ways to deduct the value of your boat or fuel you’re using, check out this article here .

Additional costs to consider

Those were all of the main costs associated with owning a liveaboard boat, but there are others to consider. These may not cost as much, but still noteworthy.

• Amenities (boat fridges, stoves, etc. cost more to fix or restore than regular ones)
• Provisions like grocieries ($250-$500 a month)
• Eating out ($100 a month)
• Garbage ($30 a month)
• Sewage pump out ($70 a month)

How can you live on a boat for free?

Believe it or not, you can actually live on a boat for free. Not including the initial investment of purchasing the boat. In a blog from improvesailing.com , they outline the 5 main issues you have to face when trying to live aboard for free. Here they are:

• you need free energy
• you need free food and water
• you need free docking or mooring
• you need to maintain your boat for free
• you need to pay no insurance or taxes

In order to obtain these, many times an upfront cost is needed. For example, you need solar panels for free energy, fishing poles for free food, tools to maintain your boat, etc. It’s very hard to find a way around many of these upfront costs.

Here are the solutions to the problems above.

• Invest in solor panels such as these ones on Amazon or wind turbines.
• Purchase fishing poles and eat what you catch.
• Anchor at free mooring or international waters. You would also work for a marina and ask for a free slip as part of your pay.
• Purchase tools and do research in order to be able to fix your boat yourself.
• Move to state or country with no property and income tax.

How can you make money living on a boat?

If you’re traveling all around the world on your liveaboard boat, money is something that can be difficult. So here are some of the best ways to make money on a liveaboard boat from sailingbritican.com and me:

• Work for half the year and the boat for the other half
• Get a work from home job
• Start a niche blog about something you’re passionate about
• Start an e-commerce store
• Become a freelance writer, artist, etc.
• Detail other boats

There are also some money-making opportunities from owning a boat. These are:

• Charter Fishing
• Sunset Cruise
• Renting it out

Can you live permanently on a boat?

Yes, that is what living aboard is. Even during the cold Canadian winters, people still live on their boats and enjoy every second of it. Many people who live on the Great Lakes usually travel down to the southern states during the winter because of the ice.

Is living on a boat worth it?

Living on a boat is definitely not for everyone. However, if you can get over the tight spaces and daily maintenance, it is one of the most fun ways to live. When it comes down to it, life is about living so why not make the most of it.

If you want to know more about living aboard, check out the ultimate guide I wrote about it by clicking here .

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