aboard a yacht

Yachting World

• Digital Edition

How to live aboard a yacht for years at a time

• Helen Fretter
• April 24, 2023

What if one or two years of adventure just isn’t enough? Meet the cruisers who’ve been on board for a decade or more, and find out how to make long-haul cruising work for you

“I probably wouldn’t even recognise the person that I was when I first started,” admits Brian Trautman, skipper of the Amel Super Maramu Delos (and eponymous YouTube channel ). In 2009 Trautman cast off his life in corporate America, hustling to make his own tech business a success, and set off on what he thought would be an 18-month-long cruising adventure. Fourteen years later he’s still sailing the world on Delos , now with his wife and young daughter. But if you have no idea where the future will take you, how can you plan to keep your cruising options open?

We spoke to cruisers who have spent between eight and 40-plus years cruising and living aboard. Some set out with a rough deadline, others had no stopping point in mind, but the common theme is that all were able to keep their plans flexible and had made the life changes necessary to stay afloat.

“When Jill and I moved aboard our 1984 Grand Soleil 39 Yahtzee in Seattle in 2012, we had no time frame,” explains Andy Cross. “It was, and still is, open ended with the caveat that if the lifestyle isn’t working for one of us we’d reassess and make changes. We always intended for the boat to be our home, not just for cruising, and it wasn’t a ‘one, two or three years and we’re done’ plan.

“We both had jobs, but we weren’t tied down to the trappings of a house and cars, so it was relatively straightforward moving aboard, beginning to learn the boat, and starting a family. Our goal was to take it slow, not sail to a schedule too often, and hopefully share the dream with our children. I’m happy to say, we’re still doing that over 10 years later.”

Brian Trautman’s 14-year sailing adventure aboard SV Delos has grown to include a family and a livelihood

Trautman initially thought his cruising adventure would be for less than two years, having sold all his possessions and taken out a mortgage to pay for the boat.

“When I left, the time frame was 18 months. The reason is when I ran my budget and my monthly expenditures, I only had enough money for 18 months. So my plan was to just go, get somewhere cool – my intention was to try and make it to New Zealand – and then figure something else out.

“I didn’t know if I was going to stop and work when I got there, or if I was going to leave the boat and fly home. Or if I was going to sell the boat and go back to work. All I knew was that I was going to go now and figure out the rest at some later point.

“I ended up stretching that 18-month budget to about two and a half years getting from Seattle to Australia. When I stopped in Australia, we hauled Delos out of the water for about a year. I actually did remote consulting while living in Melbourne to make money for the next cruising season because after having had that taste, I knew there was no way I could stop then.”

Like Trautman, Ginger and Peter Niemann dipped back into ‘real life’ after their first major adventure – a four-year, 50,000-mile circumnavigation west-about from Seattle aboard their 47ft sloop Marcy , including rounding both the Cape of Good Hope and Cape Horn .

The SV Devos family onboard

“When we moved aboard we had the idea to live aboard ‘as long as it was fun’, to quote Lin and Larry Pardey,” explains Peter. “It was certainly fun for a circumnavigation , but when we returned to home port four years after departure we were out of cruising funds. We rejoined the working world while living aboard.

“I assumed that was the end of our life afloat, and asked Ginger if we should put the boat up for sale upon our autumn return or wait until spring when the market might be better? ‘Heck no, we are just getting good at this!’ she answered, ‘But maybe we should get a boat you can stand up in!’ And so we lived aboard, swapped boats and worked until the cruising budget was restored a couple of years later, and set off again.”

Ages and stages

Long-term cruising looks different at different life stages. The Cross family always planned to sail through their boys’ childhoods, but are flexible as to how long they spend afloat at any one time.

“Every year is different. Some years, we’ve been on Yahtzee almost exclusively, other years we’ve taken off a few months at a time. This has worked well for us because we’ve planned the time away around northern winters or hurricane seasons in the south – times when we might not be cruising much anyway.

“We want our boys to know and be a part of their grandparents, aunts and uncles, cousins, and friends’ lives, which has meant taking breaks off the boat to spend time with everyone. Then, we return to Yahtzee excited, rejuvenated and ready to continue the adventure. Our ability to balance life ashore and cruising is one of the main reasons I think we’re still happy with the lifestyle of living on a boat.”

In the 14 years since he first sailed away with Delos , Trautman’s life has gone through huge changes. “I’ve found the love of my life, gotten married, sailed with my family, sailed with tons of friends, we’ve had a child on board,” he reflects.

SV Devos under sail

“When I first started cruising, I was absolutely in the frame of mind that I would spend 100% of my time on the boat. And as time has gone on, I’ve actually seen the value in taking time off the boat, because you don’t really understand how good something is until you take yourself away from it. So when we start to get a little edgy or a little like, ‘Oh man it’s another beach, but I don’t want to go to the beach today!’ then we know that it’s time to take a break.

“So at least once a year now, we’ll put the boat in a marina or yard, and we go back and visit our family for a few months. It’s even more important now that we have Sierra, because she’s three and a half, and I want her to know her Swedish heritage.

“But obviously, we fund our lifestyle through sailing and making YouTube videos. So if we’re not sailing and making videos, then we’re not making money.”

Some cruisers report that as they get older they find themselves spending more time ashore. After a second demanding circumnavigation, the Niemanns are shifting their sailing style. “We are just now entering a new phase of cruising plans,” says Peter, “We aren’t getting any younger, and recognise that at some point in time the stresses of voyaging will be more than we can easily handle. So for now we plan to enjoy exploring a smaller area in more detail.”

“The major life change was: cruising,” says Janneke Kuysters, who has been cruising with her husband Wietze on their steel-hulled Bruce Roberts design Anna Caroline for eight years. “After that, we haven’t had any major changes in our lives, apart from growing older and the repercussions of that re. strength and agility. In our minds we’re still 25, but the bones say different!”

Andy and Jill Cross try not to sail to a schedule but still spend a lot of time aboard Yahtzee 12 years after first setting out on their adventure

Both the Niemanns and Janneke and Wietze admit, however, that they don’t necessarily find being ashore more restful. “We have always needed to get back to the boat to regroup. Afloat is our comfort zone,” says Peter Niemann.

“We would typically fly to the Netherlands every two years for about three weeks, but the boat is our home, so that is where we feel happy and comfortable,” says Janneke.

For Janneke and Wietze, time ashore is instead spent exploring new countries. “For instance: we left the boat in Valdivia, Chile, for five months to go backpacking all over South America. In Australia, New Zealand and South Africa we have rented or bought a campervan to travel inland for weeks or months on end.”

Power of knowledge

‘To cruise is to learn,’ wrote Lin Pardey in The Self Sufficient Sailor , and with experience comes confidence. Many cruisers who have sustained their adventures for decades began their adventures relatively cautiously, building the skills that would then enable them to take on longer passages or explore more remote areas.

“When we were in our mid-30s, we sailed the Atlantic circuit with our 31-footer. This was a test year, meant to find out what it was all about and to gather information,” recalls Janneke. They then bought Anna Caroline “with all the knowledge we had gathered in mind”, and began an eight year circumnavigation – first sailing around Scotland, Ireland, Portugal and Spain before completing a transatlantic, then heading south to Brazil, Uruguay, Argentina, Antarctica and Patagonian Chile. They rounded Cape Horn, visited remote areas of the Pacific including Robinson Crusoe Island, Easter Island and French Polynesia, then headed north to Alaska and British Columbia.

The Cross family moored up

Cruisers often report that ocean crossings become progressively easier, and both faster and with less damage sustained, over the years. Much of that is down to the added knowledge they’ve gained, which feeds into making better decisions when it comes to sail selection, interpreting weather forecasts and predicting sea state, and knowing how their boat – and each other – fares in different conditions.

Also key is confidence in your own ability to handle any problems or fix any breakages when cruising more remote areas or for extended periods. Lin and Larry Pardey famously inspired many cruisers to cast off the lines with their advice to ‘Go small, go simple, go now’.

“I honestly feel that setting off cruising was a lot easier when we went because there was much less equipment that you added to your boat. So they were simpler machines, easier to take care of,” Lin Pardey says.

“I think that more people are put off cruising by the sheer hassle of fixing and having other people fix your boat, feeling like the budget is just being blown by mechanics and electricians.

“But it isn’t just keeping your boat simpler that matters, it’s being able to say, ‘Okay, I really don’t need that, so we’re not going to worry about fixing it right now’. It’s the ability to just do without it, if you can’t fix it. That’s a really important aspect of enjoying what you’re doing. I’ve seen people dream of sailing to the Tuamotus, but they get to the Marquesas with something broken and realise the only place they can fix it is Tahiti, so they just skip right through and miss the whole Tuamotus.

Ginger and Peter Niemann’s first circumnavigation was a four year trip aboard their 47ft sloop Marcy

“For example, the watermaker: if you make sure you have enough water tankage and learn to be quite happy with just limited water for a period, you can fix it later.”

Over years of living aboard, most cruisers we spoke to have made substantial upgrades or modifications to their boats to enable them to take on more adventurous cruising. “We try not to anthropomorphise, but we really have the feeling that ‘we take care of her, and she takes care of us,” says Peter Niemann.

“Our boats evolve continuously: equipment is upgraded, worn items replaced, dodgers added. Specialised Arctic (ice poles, redundant heaters) or tropical/desert (awnings, fans) items are acquired, stowed and put into service as needed. The essential major change we made to both our boats was the addition of cockpit shelter.”

“Pretty much every system has been upgraded over time. We have new instruments, a new chartplotter , a lot of solar and wind. One of the huge improvements was the lithium batteries because that allowed us to get rid of propane. And so we can really extend our range because it’s a lot easier to get diesel fuel in any part of the world,” explains Brian Trautman.

“We’ve also really upped our game with the dinghy. Our dinghy now is aluminium, it’s a little bit heavier, but we love it. It has a big engine, so it’s our SUV, our family car, and we need that.”

The Niemanns heading ashore

Pace yourself

When you have no fixed deadline, how do you plan? Most cruisers we spoke to sketch out ‘big picture’ plans determined by the seasons, but leave themselves the freedom to vary their route along the way.

“We typically plan about one season in advance, but we don’t plan in detail,” explains Trautman. “So right now, we’re planning our South Pacific season. And all we know is that we’re going to try and get to French Polynesia or the Marquesas from Mexico. We’re going to arrive sometime during April and then we have the next six or seven months to figure out what we’re going to do.

If it means we’re going to stay in French Polynesia for the cyclone season, or end up sailing west towards New Zealand for the cyclone season, we just don’t know.

“We just know we’re travelling generally westward best we can, and that’s often worked out for us. We pay attention to the big picture things: the hurricane season, cyclone season, when the good weather is, and we kind of make broad strokes to travel in that general direction.”

“Seasonally, we’ve set our plans to cruise more miles during summers in northern climates and then stopping or slowing down during the colder months of winter. It’s the exact opposite now in the tropics,” explains Andy Cross.

“Here we have hurricane seasons to contend with in the summer and fall, and insurance parameters dictate where the boat can be to continue coverage during named storms.”

The Cross family making great cruising memories

Maintaining momentum is a tricky balance, and will be different for everyone. “What made it work for us is we went without serious plans and kept ourselves highly flexible, we went cruising to just really enjoy sailing,” explains Lin Pardey. “But the thing that really kept us from getting tired of it or frustrated by it was taking advantage whenever we met somebody who said ‘Our family is on this little island, you should go visit them.’ So instead of heading south with other cruisers, we’d turn and head to some island or other, and ended up with wonderful friends who introduced us to other friends. So it was that real unscheduled-ness that kept letting us have new adventures and go in different directions.”

Lin and Larry Pardey broke up their cruising routine, which saw them voyaging for some 47 years, with periods spent working and also treating themselves to short ‘holidays’ on land.

“What people don’t quite expect is that if you set off on a voyage around the world, the seasons push you on and it can leave you feeling tired,” says Lin.

“I’ve watched people sail from England to New Zealand over a year and a half period, because that works nicely with the seasons. But when they get here, they’re just tired of moving on. The fact that we had to work meant we didn’t feel we always had to keep moving on. Every year we’d stop for at least three or four months, to let us catch up with ourselves.”

Equally, long-distance cruising can be exhausting, and without a broad-brush plan it can be tempting to linger, cautions Janneke. “It takes (a lot of) effort to keep yourself and your boat going. You are in a strange environment all the time, change is a constant in this lifestyle. It’s easy to arrive somewhere and make it your home. Especially when you have an open-ended plan, it can be attractive to stay somewhere a little longer.

“But that has an impact on everything that follows: you can manoeuvre yourself in a situation where you have to stay somewhere much longer than expected, because of the weather. Beaten paths are there for a reason, and often this reason is the weather. If you decide to leave the beaten path, you need to be independent in making your own plans and time schedule.”

And, sometimes, it’s about knowing when to stop. “When it came to planning our voyage, we sat with a lot of people that had returned from a long trip. We found that there is a tipping point after about 8-10 years. When people stay out for more than that, it becomes less of a voyage and more of a way of life. We are project-minded people, so we needed the voyage to have a beginning and an end. So we left with a plan to stay out somewhere between six and nine years. It worked out to eight years.”

Go slow, stay loose

So how do you know which pace is right for you? “My advice would be go slow and keep it loose,” says Trautman. “Write your plans in the sand at low tide, and be okay with changing them.

“And just take time. You’re not out there to check items off of a list, in my opinion. There are some places where you’ll be okay with leaving after a couple of days, and there are some places you’ll really want a few more weeks just to enjoy. That could be a factor of the place, or it could also be a factor of your frame of mind after moving for so long. That’s all part of the lifestyle.”

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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

Looking for more information on boat ownership? Read...

• Boat Owner's Guide
• Costs of Boat Ownership
• Boat Maintenance Guide
• Insuring Your Boat
• Boat Safety Guide

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My Cruiser Life Magazine

Living On a Boat Full Time — What to Consider Before Living Aboard

Let’s talk about real-life boat ownership and living on a boat full time. My wife and I have lived on our boat for nearly eight years, doing everything from full-time living on a boat in a marina to cruising The Islands of The Bahamas for months.

For starters, everything you’ve ever wondered about living on a boat probably doesn’t scratch the surface of everything you’ll learn. This lifestyle isn’t for everyone; for every wonderful day on the water, there’s a stressful situation or broken boat part.

So what does living on a boat full time look like? Here’s a glimpse into the world of the liveaboard. 

Table of Contents

Should i live on a boat absolutely yes, here’s why (pros of living on a boat), never, in a million years, should anyone ever live on a boat (cons of living on a boat), there’s more than one way to live on a boat, there’s a steep learning curve, it’s kind of like camping, constant maintenance and cleaning, weather drama, the legalities of the live aboard life, cost of living on a boat, paths to moving aboard, living on a boat full time faqs, what are the pros and cons of living on a boat.

It is often said that there’s a wide gap between the romantic vision that many people have of the liveaboard lifestyle and the nitty-gritty reality.

Here are the pros and cons of living on a boat full time, taken from our personal experiences.

Living on a boat is sometimes even better than your most romantic vision. Dolphins frolicking while the sunsets, tropical drinks in your hands, and nothing but crystal clear water between you and the most spectacular island beach you’ve ever seen. Yes, that all happens, sometimes.

• Freedom to go where you want, when you want
• Travel as much or as little as you want
• Take your house with you as you move
• Changing scenery, waterfront property where ever you go
• Wildlife visits—seals, whales, dolphins, birds
• A friendly community of other boaters
• Learn to live more simply, with only the necessities

Everyone has good days and bad days. We’ve often described boat life as having high highs but very low lows. The peaks and valleys of boat life (crests and troughs?) are just much farther from baseline-normal.

For every dolphin, there is a broken toilet joker valve leaking sewage onto the bathroom floor. 

For every idyllic island beach, there is a fouled diesel filter that needs changing. 

For every smooth downwind passage, there is a sloshy, windless mess of flapping sails making everyone on board seasick.

The list could go on and on and on.

• Constant maintenance and cleaning
• Difficulty finding skilled, professional labor 
• Small spaces, no storage, no privacy
• No dishwashers, washing machines, dryers (usually)
• Away from docks, you always have limited power and water
• Constant exposure to the weather
• Tax and insurance issues

Common Issues with Moving Onto a Boat

Here are some of the biggest issues we have noticed from our experiences and those around us. While everyone’s experience of living on a boat full time differs, everyone seems to have similar issues.

First, it has to be said that everyone’s experience is different. And that’s most obvious by looking at what sort of boat they choose and where they choose to live on it.

Many books have been written on the subject, and most like to divide boaters into three groups based on their budgets. There are the high-lifers who can afford to buy a new or newish boat that is large and comfortable. They can afford to live at a resort marina and likely hire professionals for most maintenance and cleaning tasks. They likely spend most of their time in marinas if they travel far. 

Then there are the Goldilocks boaters—not too big, not too small—making up the “middle class” of boating. There’s a healthy mix of DIY projecting with some professional help on the big projects. They might liveaboard at a marina or travel full-time. They might live at docks, anchor, or a mix. 

And then there are the budget boaters. Cheap boats are easy to come by if you’re willing to use DIY labor to fix them up. They are most likely to anchor out to minimize costs. 

All these people live very different lives on their boats, but does it matter? The costs are astronomically different, but they could be visiting the same ports, seeing the same sights, and even sharing the same experiences. 

What’s most amazing is how everyone perceives their liveaboard situation. I’ve been to dock parties where couples on 60′ catamarans complain that they have no personal space and must take a break from being on the boat together after a few months. Meanwhile, I know a family of five (plus two dogs) that live on a 40′ monohull with less than 1/3 the space of the catamaran. They have issues, but they’re pretty happy five years later. 

(Speaking of catamarans, check out my recommendations for liveaboard catamaran options.)

Year one of boating is the worst. There’s so much to learn; it’s all new and different than anything you’ve done before. There are all the sailing terms you must learn, but there are also boat maintenance tasks and understanding how all the systems on your boat work. Then there are the basics of seamanship and how to operate your vessel safely. It is a lot to take in.

And the basics of living on a boat are different from land life. Your kitchen (galley) is much smaller. The toilet doesn’t flush like a regular land toilet. You’re always thinking about minimizing water use when showering or doing dishes. If you turn too many electrical items on, circuit breakers pop. The list goes on and on, and when you’re new, it’s stressful.

Once you’ve got the kinks worked out, learned your boat systems, and successfully traveled and lived on your boat for a while, things get much better. You know more, your boat is set up the way you need it, and you have the confidence to start enjoying yourself. Some people take a few months, some a year, and, unfortunately, some never get there. 

Boats are small spaces, but the truth is that living on a boat is more like camping than most boaters like to admit. You get by with only a few items in your wardrobe. You skip showers since you don’t always have hot water. You don’t have space for all the luxuries of home. No dishwasher. No washing machine. Everyone is occasionally uncomfortable onboard, whether from the weather or the cramped quarters.

Boats are also hard on relationships. While there’s something romantic about being cozy and alone together at sea, it isn’t so romantic on day five, or thirty, or sixty. Personal space is non-existent on most boats. It’s inevitable that your significant other—or anyone else—will drive you nuts after some time. Boats have ended more than one marriage that we know of. 

The cramped living space on a boat poses other problems, too. Downsizing is important because you simply can’t bring it all with you—there’s no storage space. What is important, what’s nice to have, and what will you use on a boat? Living on a boat forces you to live with the minimum and acknowledge what you need to survive. 

Living on a sailboat is, of course, drastically different than living on a luxury yacht. But all these problems seem relative, and no matter what size your boat is, everyone has the same complaints.

Boats are always trying to sink and fall apart. The ocean helps them with its corrosive saltwater and constant motion. The only thing keeping it afloat? You, the lowly and unprepared new boat owner. Yikes!

 Even if you have mechanics and boatyard workers do most of the big projects for you, there’s still a ton that you’ll wind up doing on your own. Just day-to-day cleaning on a boat is a big deal. Everything is more difficult and takes longer than it does on a house. 

Somehow, boats seem to get dirtier faster than houses do. From polishing the hull, shining the stainless, varnishing the teak, and scrubbing the scum line to everyday things like dishes, sweeping the floors, and cleaning the bathroom, boats are dirty, and it takes time to keep them clean.

The weather plays a bigger part in your life than you’ll even imagine. Most of us pay remarkably little attention to the weather when we’re on land. If it’s hot, we might just minimize our time away from air conditioning. If it’s raining, it’s a minor inconvenience. We never think about the wind or tides.

But everything on a boat revolves around the weather. Every day we look at the weather for the upcoming week. Forecasts are often inaccurate, so we expect it to change. But what should we be ready for? When cruising, we often track weather systems over a week away and start planning. 

This week, it says we might get gusts to 52 knots (!!!) from the southwest with heavy rain and thunderstorms. We’re anchored and away from the dock. Will our anchorage be protected from winds like that? Is the holding good here, or is there a safer place we should move to? Should we think about moving there early in case it fills up with boats? 

We go through this exercise every week or two, no matter where we are. When approaching an anchorage, it’s all about the wind direction, tide level, and whatever else is happening. Are we okay with being stuck here for a few days if it’s foggy? A week? What if we need south winds to reach our next destination, but the forecast only has east winds? Do we wait or change our destination? 

The amount of attention it takes and the flexibility of your schedule is mind-boggling to most landlubbers. When friends want to visit us, we tell them we can meet them in a specific place or at a specific time, but not both. If you want us to meet you, you’ve got to be flexible too!

What do you legally need to do to live on a boat full time? Most people’s home or apartment is their legal residence and domicile. It’s listed on their driver’s license, and it’s where they vote and pay taxes. 

How will all these issues play out when you move onto a boat that moves around? There are mail forwarding services that allow you to set up residency. We use St. Brendan’s Isle in Florida since we were already Floridians, but there are also similar services in other states. This at least gives you the ability to have a driver’s license and vote. 

Taxes are a little more complicated. You can register the boat at your address in Florida, but each US state collects its own use tax. If you use your boat in their state for over a few months, they want to tax it. It’s not a problem if you move around, but what if you want to leave your boat in New York for the summer? Then you might have to register it there and pay taxes. 

Additionally, many counties in the US collect personal property tax on boats. We know of several places where if you are in the county on January 1 st , you’ll owe the county property tax. If you were one county away where the tax happens to be zero, you would owe nothing. Tricky!

Recreational boat insurance is another matter of concern. It used to be fairly easy to insure a boat, especially a cheap old boat. If you have a homeowner’s policy, you can easily add the boat. But if you’re a liveaboard with no real land address, getting insurance is becoming a problem. If the boat is too old, you’re traveling to distant ports, or the boat is very large, and you’re first time boat owners, it can be hard to find an underwriter. 

Do you even need insurance? Many marinas and boatyards now require it. Gone are the days when you could sail the world and “self-insure.” But, honestly, those days never really existed. If your uninsured $5,000 sailboat drags anchor and puts a gash in a $5 million yacht, a serious legal headache will follow. Many owners of older vessels keep “liability-only” insurance, but even this is getting less affordable and hard to come by.

Many folks who want to try boat life are understandably curious about the average cost of owning and buying a liveaboard sailboat . Is it cheaper to live on a boat than a house? That’s a tough question to answer. For one thing, people’s expectations and their needs for comfort and security vary widely.

Both houses and boats can be found for about the same amount. If you’re in the market for a $250,000 house, you could find a nice boat for that amount. It would, of course, be much smaller and—unlike the house—be a terrible investment. So while you might be able to get a loan for a house (which makes excellent collateral for the bank), getting a loan for a boat would require a bigger risk on the part of the bank and therefore cost you a lot more.

On the cheaper end, you could find a fixer-upper boat on Craigslist or Facebook Marketplace for far less than a neglected house. A house will always have some value based on the land, whereas a boat can become valueless. It’s not uncommon to hear of people getting free boats abandoned in boatyards, making ridiculously low offers on neglected vessels, and getting large boats for a few thousand dollars. People are always wondering how to get rid of an old boat .

These fixer-uppers have their own stories, of course. Many YouTube channels are dedicated to the cheap boat fix-up scheme. Project boats can be wallet-shrinking and soul-sucking. Taking on a project is a good way to lose a lot of money, along with years of your life and any interest you ever had in boating. Project boats are not for most people.

Both boats and houses have taxes and insurance, so those costs are probably very similar. Tax laws vary by state and county. In some places, you won’t have to pay any tax on your boat except for the initial sales tax at the time of purchase. You will have to pay an annual personal property tax in other locales.

You’ll also have to pay for boat parking . Marina, mooring ball, or in the boatyard—all will come with a monthly bill. The house or apartment will not have storage fees, so there’s no equivalent here. But, if you bought a cheap boat for cash and are only paying monthly liveaboard slip fees, this might be less than a mortgage payment would be.

If you’re traveling and anchoring, you can generally do that for free. However, most cruisers spend a few nights a month at marinas. That averages about the same amount they’d pay for monthly dockage since nightly transient rates are high.

Both boats and houses have maintenance and upkeep expenses, but boats generally have more. It’s generally estimated that you should budget ten percent of the boat’s purchase price for annual maintenance. If you bought a $50,000 boat, this would be $5,000 yearly. That holds for most boats, but year one will be higher as you fix neglected items and make your upgrades.

From our experience, we’ve seen people take two paths towards the liveaboard life.

• Some folks own their boat and use it for weekends or a week’s vacation here and there. They move aboard full-time as they transition to retirement, a work sabbatical, or remote work. Since it’s a gradual transition, these folks generally know what to expect. 
• Then there are the folks who go all in—they know nothing about sailing or boats and sell it all and move aboard. For them, it’s a jump into icy cold water or learning a new language by moving abroad. 

Which group is more successful? Group One generally knows what to expect, has worked out the kinks in their boat, and has already tackled the learning curve. There’s still a lot to take in, but they’re generally less stressed by it. If you can spend some time on your boat enjoying boating before moving onboard, it’s generally a good thing.

But, either way, being a full-time liveaboard is not a long-term lifestyle for most people. People who start from both groups seem to last an average of about one and a half to three years. After that, they’re ready to either sell the boat and move on or buy an RV or vacation land home that allows them to divide their time between boating and something else. People who last more than three years with only a boat are a very small minority.

One parting thought: Living on a boat full time and traveling is like having three or four full-time jobs. Each requires 30-40 hours per week when you include labor, research, and thinking and planning. 

• Boat ownership — basic maintenance and cleaning
• Cruising full-time — destination and route planning, weather study
• Living aboard — cooking, cleaning, shopping, and everything else takes so much longer on a boat than in a house
• Your actual job — if you work aboard

How much does it cost to live full time on a yacht?

A lot depends on the size of the yacht. A small sailboat can be found fairly cheaply. For around $50,000US, you can get an older 35-foot sailboat in decent condition and move aboard with few problems. The biggest issue is finding a marina that allows live-aboard boaters. Slip fees will be your biggest expense and can be as high as $1,500 monthly in some areas. However, you can get monthly slips for as little as $300 in other places. 

How to stay organized on a sailboat?

Sailboats have small spaces and not much storage, so keeping organized is key. The first step is to downsize your possessions to the bare minimum—only take what you absolutely need. The less you have, the easier your life aboard will be. 

After that, it’s a matter of packing the boat so that everything has its place. Some boaters like to keep a spreadsheet of where they’ve packed everything away so they can find it quickly. 

Is it cheaper to live in an RV or a boat?

Both of these activities are very dependent on location. Purchasing either one is very similar in cost. RV parks and marinas charge similar prices, but the cost varies depending on the location and services. In the end, however, moving an RV somewhere cheaper is easier and quicker, so you can live somewhere cheaply more easily. 

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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