best sailboat for full time living

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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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Best Liveaboard Boats to Live On Full-Time

Living on a boat represents a significant and thrilling life choice . Departing from the comforts of traditional dwellings and the spaciousness they provide in favor of an unconventional lifestyle is an option that an increasing number of individuals are embracing. Escalating urban living costs, particularly in major cities, coupled with the daily routines of life, have led more people to seek a simplified existence on the water . A previous article examined the merits and drawbacks of residing on a boat. This piece delves into the diverse range of liveaboard boat styles. It identifies the most suitable Boats to Live On for year-round living.

Options for Living on a Boat Full-Time

Best Liveaboard Boats encompass a broad spectrum of possibilities. From stationary houseboats to highly maneuverable sailboats and an array of options, the choices continue to expand with innovative , designer-driven , and spacious vessels .

Ultimately, practically any boat can serve as a domicile. While some may find the space restrictive, it remains feasible . The decision largely hinges on one's preferred lifestyle, whether residing in a water-based community near work and social circles or embarking on seafaring adventures worldwide.

Types of Best Liveaboard Boats

Sailboats for full-time living.

Sailboats, available in various shapes and sizes, epitomize the essence of maritime freedom. They offer an economical means of purchase and travel, as wind power is free . Moreover, finding a berth for a sailboat is generally easier and more affordable than larger houseboats. On the downside, sailboats often have limited space, and smaller models may lack showers or hot water. Size considerations, such as single-handed sailing capability and budgetary factors , are crucial for operational feasibility , as larger sailboats tend to incur higher operating costs.

Sailboats are known for their:

Economical purchasing and maintenance costs. Ease of finding berths compared to larger houseboats . Versatility in terms of mobility. However, they may need more conveniences of larger houseboats and have limited space.

The Best Sailboats to Live On

Whether one seeks a new or used sailboat, the options are vast . While identifying the absolute best sailboats may prove elusive, some standout choices include:

Catalina 38

Produced from 1978 to 1999 , the Catalina 38 sloop offers a comfortable living space for couples. Its thoughtful features, from electrical outlets to a well-equipped galley, provide a cozy cruising experience. Despite limited space, the Catalina 38 is an excellent choice for adventurous living.

Originating from the 1970s, the Hunter 33 , an aft-cockpit sloop, enjoys enduring popularity. With ample interior space, including a full dinette , head , shower , master cabin , and standing room height , this sailing yacht offers comfort. It boasts a contemporary design and a homely atmosphere.

Peterson 44

Slightly larger than the previous options, the Peterson 44 is a double-spread cutter that caters to various living needs. Ideal for small families, it combines affordability with home comforts like a shower , galley with oven , fridge , freezer , three cabins , and a practical center cockpit .

Catamarans for Full-Time Living

For those seeking an ocean-going liveaboard with extensive amenities, including a house-sized kitchen and bathroom , multi-hull boats like catamarans and trimarans excel. The bridge connecting the hulls creates a spacious, well-lit living area above water, with bedrooms within the hulls . These boats offer enhanced stability compared to monohull vessels. However, their higher purchase and berthing costs warrant consideration.

Catamarans are prized for their:

Abundance of space relative to monohull yachts . Full-sized kitchen and bathroom facilities. Enhanced stability in rough seas . Nevertheless, they tend to incur higher acquisition and berthing expenses due to their wider dimensions.

Read also this : Best Catamaran Fishing Boat Brands

The Best Catamarans to Live on

The catamaran market, encompassing motor and sail models, thrives, particularly among Boats that Live On Full-Time liveaboards. Notable models include :

Privilege 435

Founded in 1999, the Alliaura Marine Privilege 435 impresses with its comfort and spaciousness. Its luxurious finishings , latest technology , and navigational equipment create an elegant and homely atmosphere. Featuring four bedrooms and the iconic central 'hull' for added space, it accommodates a range of activities, from living to coastal cruising.

Situated within the Lagoon's range of luxury catamarans, the Lagoon 46 offers comfort and ample space while remaining compact for ease of handling and mooring. It boasts a spacious galley and dining area with abundant natural light , three cabins , a plush master suite , and a generous deck space .

Trawlers for Full-Time Living

Trawlers represent a unique category of powerboats designed for long-distance cruising, ideally suited for Living on a Boat Full-Time . Evolving from their origins as commercial fishing vessels, modern trawlers differ significantly. They feature wider hulls, reduced draft, increased below-deck headroom, and more space for modern amenities. Trawlers often include full-sized kitchens, showers, and multi-level living areas, especially on larger models. Despite potential initial costs and higher operational expenses , their roominess makes them a preferred choice.

Trawlers offer the following advantages:

Ample interior space relative to length . Luxurious designs are akin to penthouses. Compact dimensions for straightforward berthing. However, they typically involve higher initial purchase and operating costs than sailboats.

The Best Trawler Yachts to Live on

Modern newly built or converted trawlers showcase innovative designs and luxurious features. Notable examples include :

Grand Banks 60

Grand Banks has transformed the humble trawler into a long-range cruiser with the luxury of a small superyacht. The GB 60 combines impressive cruise speed , a customizable interior , advanced technology , and a signature deep V hull for a smoother , faster ride .

Beneteau Swift Trawlers 48

Beneteau's Swift Trawlers offers elegance and power , ideal for comfortable living at anchor or long-distance cruising. They feature a central living space with panoramic views , abundant storage , stylish cabins , and efficient engines .

Ranger Tugs R-43

Ranger Tugs specializes in high-quality, affordable vessels. The R-43 boasts a light-filled interior , two cozy cabins with en-suite shower rooms , a chef's galley , wrap-around decks , and advanced tech features , making it suitable for families or friends seeking a shared living experience.

🚀Recommended article:   Types of Boats With Cabins: A Comprehensive Overview

Houseboats for Full-Time Living

Transitioning to life on the water need not entail traversing vast oceans . The allure of awakening to birdsong and the gentle lapping of water against the hull, or reconnecting with nature and embracing a simpler existence, is at the heart of year-round boat living. Sacrificing seaworthiness for space leads to various types of static or houseboats that offer a more residential ambiance.

Non-powered houseboats featuring a steel floating pontoon supporting a mobile home-style structure deliver spacious living areas, large windows, and all the comforts of home. While they can be towed, they typically reside in residential communities along rivers, lakes, sheltered bays, and inland waterways . These houseboats often provide municipal utilities, cable television, and broadband internet connections, offering the best of both worlds.

🚀Recommended article:   Exploring the Most Popular Types of Lake Boats

Powered houseboats are self-propelled residential vessels available in various configurations. While some are suitable for shorter journeys and resemble static houseboats, others possess substantial cruising capabilities . Their squared-off silhouette accommodates ample living space relative to their length.

Houseboats are esteemed for their:

Affordable pricing compared to ocean-going yachts of similar size. Abundant interior space with home comforts. Creative interior design possibilities. Securing a residential berth for houseboats can be challenging due to their popularity ; some are exclusively towed rather than powered.

The Best Houseboats to Live on

Innovative architects have introduced a range of luxurious , creative , and imaginative designs for static and powered houseboats . These designs incorporate floor-to-ceiling windows , roaring fireplaces , and rooftop hot tubs . Some noteworthy choices include:

American Houseboat 'The Zion'

Resembling a house floating on water, these quintessential all-American houseboats measure 14 x 14 feet , providing two bedrooms with an additional loft area for up to eight guests. Featuring ample windows , a full kitchen , and a spacious private deck off the master bedroom , they combine home comforts with the joys of waterfront living.

Gibson Cabin Yacht 5000

Gibson Boats' Cabin Yacht 5000 combines affordability with spaciousness and reliability . It offers a comfortable and well-equipped living space with two or three double bedrooms , carpeting , high-quality electrical appliances , air conditioning , heating , and two full bathrooms .

Bravada Yachts Atlas V-Series

The Atlas V-Series powered houseboats redefine traditional notions of houseboat living. With futuristic silhouettes , expansive windows , two floors , and an array of home comforts , including a fire pit and rear waterslide , they elevate water-based living to new heights.

In conclusion, choosing the ideal liveaboard boat depends on individual preferences, budgetary considerations, and lifestyle goals. Sailboats offer economical and adventurous living , catamarans provide spaciousness and stability , trawlers deliver luxurious long-range cruising , and houseboats offer diverse options for embracing life on the water. Each vessel type presents unique advantages, catering to those seeking unconventional, waterborne lifestyles.

Frequently Asked Questions About Living on a Boat

Is living on a boat more affordable than a traditional home, do i need special skills to live on a boat, can i live on a boat with a family, how do i secure a mooring spot for my boat, are there any legal restrictions on living aboard a boat, can i work remotely while living on a boat, what kind of boat can you live on, how big should a boat be to live on, which boat is the strongest, can you really live on a boat.

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6 Popular Boats For Full-Time Living (Affordable Options)

It’s a big investment to get a boat you can live in full time.

Here are some of the more affordable boats out there that we can fully recommend.

Hang with us as we guide you through some of the most popular and affordable boats for full-time living.

Table of Contents

Don’t Get “Sticker Shock”:

If you are choosing to live aboard a boat in you will need to brace yourself for the expense.

While this article is showing you “cheap” or “inexpensive” boats to live on, you should not be comparing them to other boats.

We are not talking about small boats here, but boats you can live on, remember.

Daily use boats do not afford the luxuries that a live-aboard boat can. This makes them more expensive. When looking at live-aboard boat prices, you will want to compare it to traditional living expenses. All choices for live-aboard boats are expensive and you will most likely be looking for a used, possibly even a “project” boat.

If you are looking for a new boat, or even a luxurious used boat you will need to be prepared to spend $100,000 or more depending on the size and type of boat you want.

An Affordable TRAWLER You Can Live On

A trawler is an inexpensive option that allows for generous space. Trawlers are also durable and can take large amounts of use. 

The wider hull of a trawler allows for roomy interiors that include bigger kitchens, more spacious sleeping areas and more room. This boat is also stable and accessible. This makes getting on and off the boat much easier.

They also have less draft than boats with deep hulls like sailboats and lower clearance on top for bridges.

Some cons of a trawler include noisy engines that are slower moving. They also consume large amounts of fuel.

Trawlers also will need maintenance just like any other vessel and can often be older, so they might require more maintenance up front.

1. Albin North Sea Cutter

North Sea Cutters made by Albin are large, spacious and elegant. These boats offer multiple comforts and sleeping areas.

Depending on the year you select, you could have multiple cabins and many places that convert into sleeping areas. You can purchase a used Albin boat that costs anywhere from $20,000 to over $200,000. These prices vary depending on space, age and amenities offered.

Models older than 2000 will often range between $20,000 to $80,000 and they can get more expensive from there.

An Affordable YACHT You Can Live On

2. beneteau swift trawler.

These boats can be swift, fuel efficient, and stable. They offer a spacious deck as well as spacious living quarters.

They often come with more than one cabin and enough room to move around and house more than one person.

The Beneteau Swift Trawlers are more expensive than the Albin models and will likely cost you more than $100,000.

If you are looking for a brand new Beneteau, you could be looking at a base price close to or even over $500,000.

So you definitely want to get a used model if you are looking for a cheaper alternative here!

2 Affordable SAILBOATS You Can Live On

Sailboats can be a relaxing option for your live-aboard vessel. Sailboats come with an open deck and oftentimes have plush cabins situated in their hull.

Some of the appeals of a live-aboard sailboat are that you will spend less money on gas. They are also quieter than their motorboat counterparts.

If you choose to live-aboard a sailboat, you will want to make sure that you have a motor available in case you do not have a cooperating wind.

3. Island Packet 35

These boats are smaller than the trawler options and are better suited to housing smaller families.  They have one main living and sleeping quarters so there is not a lot of privacy offered. These will be ideal for a couple. 

These are very popular choices among sailing cruisers and they were designed with sailing in mind. They are very user-friendly sailboats.

The prices on an Island Packet range close to $100,000.

You will be looking for a used vessel, though, as these were not manufactured after the mid-1990s.

4. Cabo Rico 38

Cabo Rico boats were designed with luxury in mind and it is reflected in their prices.

Older models from the 1980’s and 1990’s range between $80,000 and $100,000 while newer models that were made in the early 2000s can easily reach over $300,000.

The main goal of these boats was to increase the appeal of their aesthetic.

Like the Island Packet, these boats are more ideal for smaller couples. This boat also has an abundance of clever storage spaces that will help you maximize the space that you have. 

Affordable MULTI-HULL Boats You Can Live On

Multi-hull catamarans can be either double or triple hulled.

The benefit of a multi-hulled vessel is the stability offered as well as the possibility for separate living spaces.

A catamaran offers a wide and spacious deck, however, the living spaces in the hulls are generally smaller than they would be on other vessel types.

The major disadvantage of a multi-hull option will be price. Because the construction of these boats is similar to building two separate boats, you should expect to pay more. If you want to live on a multi-hull vessel you could be looking at spending $100,000 or more.

Like a sailboat, you might consider a used catamaran.

In addition to a higher purchase price, these boats also might require two slips in a marina which can make them more expensive.

5. Lagoon 380

The Lagoon 380 is a smaller catamaran which is not the most common. The Lagoon 380 is the smallest catamaran in the Lagoon fleet.

Unlike some other inexpensive options, these are still being produced which offers you the chance to buy new, which means that you will be more likely to customize your boat.

This boat comes with a full bath and a large queen-sized berth or the chance to instead get four cabins. Stowage on this boat is impressive and it comes with many lockers and storage space.

The boat truly is impressive for its small size and will be comfortable for living in. The price of this vessel can range from $170,000 to over $200,000 depending on the year and the options available.

Other Lagoon options can be more expensive but are also great live-aboard vessels.

6. Leopard 44

If you are looking for a more luxurious catamaran, then you will want to look at the Leopard 44. 

The most inspiring part of the design of the Leopard 44 is the inclusion of two cockpits. This allows sailors to change where they steer based on the position of the sun and adds additional comfort.

This boat also provides edging on the surfaces so that you can feel where the boat ends. Attention to detail was key when crafting the Leopard 44. 

Like most catamarans, this vessel is also spacious and provides comforts and amenities that will be useful when living on board.  These include multiple berths and cabins that are well suited to housing more people.

The average price for this vessel is higher than the Lagoon 38 can range between $280,000 and $400,000.

Affordable HOUSEBOATS You Can Live On

If you plan on living aboard a boat without doing a lot of traveling, a houseboat might be ideal for you.

These allow for plenty of space, but are bulky and are not very efficient so they are generally used for living while moored and never actually venturing out on the water.

The most common form of houseboats is built onto pontoon boats. These boats can even offer full enclosures on the deck with plenty of windows and light.

Another downside to a houseboat is their price. Because these boats offer the most space and comfort they are pricey.

Houseboats can offer anything from multiple rooms to decks. They are essentially a house that floats.

Houseboats are often custom designed and are not generally offered as a part of a fleet or boating line. Prices also range wildly and could be anywhere from $30,000 used to over one million dollars.

When looking at houseboats you also have to consider location as a decision that needs to be made.

Houseboats are not designed to move so in addition to the expense of the boat, you are also often looking for a permanent place to put it, and that can be more costly than a marina or other available options.

What About The Bigger Yachts?

Even more expensive than the multi-hull vessel is the luxury yacht.

This is not an inexpensive option. These are the most expensive choice as they are essentially floating hotels.

For this reason, we have opted out of listing options for the luxury yacht, but they are an option that is available for consideration.

So How Do I Choose The Right Boat?

It is most important to choose your boat based on desired lifestyle, budget, and skill level.

If you do not want to worry about learning to sail, then you should look into the power boat options. 

You also want to make sure you pick the appropriate size.

If you plan to go down rivers often, you might not want a boat that is too wide or too tall. This can make river navigation tricky and stressful.

You also want to make sure that while you are conscious about how the size of your boat is external, you allow for enough space internally.

No matter what type of boat you choose you will be giving up some luxuries and living a more minimalist lifestyle. You need to look at what your minimum size requirements will be and start there.

Another thing that is extremely important when choosing is the condition of the boat. Because these types of boats are so expensive, you will most likely be looking at used options.

This means that you will want to get your boat fully inspected before you buy it.

Much like you would get an inspector for your home, you are able to hire marine inspectors who can see things on your vessel that you can’t.

The most important places of consideration are the hull and the engine.

Even a tiny hairline crack in the hull can expand and get worse over time. These are also the most dangerous because you are less likely to see them and get them taken care of.

A marine inspector will also be able to give you a rundown on the vessel and this might help you plan for future expenses and even to negotiate a better price.

In addition to this, when buying a used boat you want to make sure you do not buy a boat that is exactly your budget. You will want to save at least %10 of your budget for possible issues and immediate maintenance needed.

Maintenance will be an ongoing expense that you will have to plan for in order to maintain the integrity of your boat.

Is It Possible To Live On A Boat Full Time?

Living on a boat full time is completely possible if you know what you are doing.

Where to Moor Your Boat:

One of your most major considerations will be where to keep your boat. Many places require marinas to have a liveaboard license and many of the places that do have long waiting lists that could last years.

If you know you want to live aboard a boat full time you will want to start checking into places right away. It would also be wise to not close a deal on a boat until you know you have somewhere to put it.

You will also want to consider the location of where you are mooring your vessel.

If you choose to dock your boat in a marina you will be more likely to have 24/7 access to both electricity and water. This is not true if you choose to live at anchor or on a mooring bay.

This can make a big difference in the comforts afforded while you are living on your boat.

Another consideration to make is the ease of getting on and off your vessel. If you do not moor in a marina you could be relying on a dinghy to get on and off your boat and this can quickly become a hassle, especially if you are transporting things with you as well.

Live-aboard marinas often provide more comfort to you, such as cable, Wi-Fi, or even laundry.

Marina’s do come with a higher cost, so you will have to decide if this is worth it to you.

Comfort Issues To Consider

One major challenge of living on a boat is space. Even with a spacious boat, you will always be living in close quarters to your boat-mates.

Depending on the size of boat you get, you could be asking your partner to move every time you want to move to a different room or area of the boat.

This can quickly get annoying and you will want to make sure that you and your partner both understand the reality of the situation.

Even if you plan to live alone you can be looking as small and confined spaces.

One good way to know if you can handle the day to day challenges of a liveaboard lifestyle is to try it out first. There are plenty of ways to rent a boat to test the waters before you take the plunge.

Another challenge is living without the comforts that most people have every day. Most liveaboards that are affordable do not have hot showers or laundry. 

They also usually have small kitchens and bathrooms with small amounts of storage space. If you are a person who likes to have everything and minimal living is not something that sounds appealing, living on a boat is likely not for you.

To keep your space comfortable, you might want to also consider a dehumidifier to keep your humidity in check.

Important Safety Considerations

One major thing to make sure you plan for is safety. Like all boats, you will need to have the proper life preservers and flotation devices. This is a legal requirement on all water vessels.

In addition to the proper flotation devices, you will want to make sure you have all other required safety equipment.

This includes a fire extinguisher, a carbon monoxide detector in all enclosed areas, a flare, an emergency kit, and a first aid kit.

You should also have anything needed to repair unexpected maintenance issues. Depending on where you are, you will want to make sure you can deal with any issues that might arise until you can get to help.

In addition to the standard safety precautions, living on your boat comes with a few more.

If you are planning to live on your boat, and travel, you will want to make sure you are confident in your abilities and your boat itself before you get too far away from shore. It is wise to spend a few months cruising near land and shores before you attempt any long trips.

You also need to ensure you have the proper communication equipment on board.

Depending on how far from shore you get, you might not be able to communicate using traditional methods such as a cell phone.

A cell phone will be less effective the farther away from shore and any cell phone towers you get.

You should be sure to have satellite communications, a marine radio, and a Ham radio on board.

You will also want to make sure you regularly get your boat inspected and perform any routine maintenance. A boat that is fully functioning and well maintained will be the safest.

How Much Will Living On A Boat Cost Me?

Despite the large upfront cost, living on a boat can be cheaper than living in a traditional manner.

Costs that come with a live-aboard boat can include, but are not limited to:

• Insurance: Just like with a home, car, or daily use boat you will need to pay for insurance. The live-aboard insurance rate will be higher than just recreational boating insurance. This insurance can sometimes compare to home insurance.
• Moorage: Like insurance, live-aboard moorage is more expensive than traditional insurance. You will also need to go to a marina that holds a live-aboard license.
• Mortgage Payments: If you cannot pay for your boat out of pocket, which is likely, you might have to make loan payments on it. Depending on what you spent on your vessel this could be costly.
• Maintenance Costs: After your initial purchase you will still need to spend money on boat maintenance. This expense will vary based on the age of the boat, how often you perform regular maintenance, and how you use the boat itself.
• Utilities: Based on how you have decided to live on your boat, you might have utilities or additional costs with the marina. This will likely still be less than you would pay in a traditional living situation.
• Provisions and Entertainment: Just because you don’t live in a traditional manner, you will still need to buy traditional items such as food, toiletries, and entertainment. If you live completely without the comforts you are used to, your experience will not be very pleasurable.

Most importantly while looking at expenses, you need to make sure you are budgeting and stick to it.

If you are not able to afford your lifestyle, you will not have a lot of immediate options.

If you choose to travel while you sail, budgeting will be even more important. Traveling often does not allow for a traditional job and you do not want to overspend if you do not have any money coming in.

If you know this is the lifestyle you want to live, you might consider going all in. Many people sell their homes in order to live this lifestyle.

What Boat Should I Get For Full-Time Living?

Before you buy a boat to live aboard, you need to be clear about your needs.

There are a lot of options to choose from and this is not a decision to rush through. One of the first things that you need to decide when picking a boat is whether you want a motorboat or a sailboat.

A Sailboat Or A Motorboat?

Sailboats are not just appropriate for ocean living, they are also good for lake, river, or bay living. Sailboats are quieter than motorboats and are generally more economical because they use less gas.

One issue with sailboats is that they require more skill to handle and they might not be ideal for a singular person.

Like any boat, you will want to ensure that you are choosing the right size. If you plan on using your sailboat in a river, you will want to think about the required clearance when it comes to bridges.

Motorboats with ample cabin space can also be ideal for full-time living on a lake, river or bay.

These boats are often very spacious and easy to handle. Unlike sailboats, you do not have to take classes or training to be able to maneuver or handle the vessel. Motorboats that you can live aboard can range from trawlers to yachts to certain types of catamarans .

Motorboats do not rely on the wind and this can make them ideal for a boat you want to do both living and traveling on.

The issues with motorboats is that you will need to consider gas and other expenses that come with running an engine.  They are also louder than sailboats and often their engines are placed close to living quarters. This can make sleep difficult if you are moving.

Below are some inexpensive boat options that would be perfect for full-time living .

What Are The Benefits?

Even though this all might seem very expensive, there is a large list of benefits as well. 

Living on a boat can be cheaper than living in a traditional home, especially in high priced areas.

The main reason that you should live on a boat is the freedom and adventure that comes with it.

You would be able to take your home on vacation with you or just pick up and go to a new location.

You are also more likely to meet adventurous and like-minded individuals who will most likely have interesting stories to tell. 

One of the best parts about living out on the water is the views that you will see. There is nothing quite as beautiful as waking up to a sunrise over the water.

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5 Best Liveaboard Boats

Table of Contents

Last Updated on November 3, 2023 by Boatsetter Team

Want to live aboard a boat? Maybe you’re looking for more affordable waterfront living, or an alternative lifestyle – either way – living on a boat has many rewards. That said, choosing the right boat will make all the difference to your happiness. Before you commit, consider these five best liveaboard boats : 

• Motor yachts and cabin cruisers 
• Trawlers 
• Sailboats 
• Catamarans 
• Houseboats 

  Find Live Abroad Boats ready for rent here

Motor yachts and Cabin Cruisers

Motor yachts is a broad term that encompasses large(ish) motorboats with accommodations like a bed (sleeping cabin), a head (bathroom), and a galley (kitchen). These boats can be quite large such as an Absolute 50 with a flybridge that provides extra space for outdoor recreation/entertainment, like the backyard of a house. 

Models like these usually have three cabins and two heads to accommodate an entire family. Of course, big boats come with big price tags and lots of maintenance needs, so you may not save much over living in a condo. 

Consider how much space you need and check out some best liveaboard boats under 40 feet. Cabin cruisers like the Cutwater 32 are great choices. This boat has one cabin as well as a galley and lounge area (living room) with large windows that bring in lots of natural light and air. 

The twin outboard engines can transport your home to new surroundings in the blink of an eye. Best of all, boats under 40 feet may save you a million dollars (literally) over large motor yachts and provide many of the same amenities. 

2. Trawlers  

Trawlers are a great option because they are built with the liveaboard lifestyle in mind. They’re typically slower boats designed for long-distance cruising, and they come in many sizes from a large Nordhavn 60 built for tough ocean conditions to a more compact Beneteau Swift 35 that’s ideal for coastal cruising. 

Most trawlers have good liveaboard layouts and will travel at speeds 8-10 knots, where they offer good fuel consumption , which is important with high diesel prices. 

Pro Tip: Not all trawlers are slow – the French Swift series is designed to run at planning as well as trawling speeds, so you get the best of both. 

READ MORE: Don’t Ignore Your Bucket List: Great Loop  

3. Sailboats

Perhaps you’re contemplating living aboard in preparation for long-distance cruising under sail. Sailboats come in all sizes, just like motor yachts, but they’re usually narrower, and most of the living aboard happens lower down in the boat, so they’re not as airy and light. 

On the plus side, because space is more premium, sailboat design is very efficient, so you can pile a lot into a sailboat and still have room for sailing necessities. 

Looking for a compact sailboat? Consider the Jeanneau Sun Odyssey 380 with two or three cabins in just 38 feet. For something a bit roomier, check out the new Hanse 510 . This massive model can be spec’d with up to five cabins and even has a tender garage. 

The great thing about sailboats is that you can travel long distances when you want to change your neighborhood entirely – and with little money spent on fuel. 

4. Catamarans

Catamarans are boats with twin hulls and they can be both power and sail models. They have many advantages including more room aboard than the same-length monohulls with better cabin privacy and more system redundancy for backup options. 

They’re more stable both in motion and at anchor (dock) so they produce less seasickness and are more comfortable in a rolly anchorage at night. They’re roomy platforms for kids as well as older folks but due to their beam (width), it’s harder to find a slip for them in a marina. 

Sailing cat models come in various sizes and prices. Production boats like the Fountaine Pajot Isla 40 and the Excess 11 are both around 40 feet but feel much bigger than a monohull sailboat of equal length. 

Many cats come in an “owners’ version” where one entire hull is dedicated to the master suite which is like a bedroom at home. Models like these start around $500,000 but upmarket, carbon fiber, semi-custom designs like the HH55 will set you back multiple millions.

Powercats are growing in popularity and offer the same amenities as their sailing counterparts, except they have bigger engines to travel at much greater speeds. Powers can be on the smaller side, like the 32-foot Aspen C100, or quite sizeable, like the Aquila 54. Cats tend to be more expensive to purchase and to own since there are two of just about everything to maintain. 

5. Houseboats

If you want to live aboard but have little interest in being mobile, you may consider a houseboat. These boats usually maximize living space and are shaped more like houses than boats. Household-sized amenities, including side-by-side refrigerators, massive sofas, and large TVs can be had.

Because they don’t require much technical gear like engines, electronics, and advanced power systems, houseboats can be quite affordable and can make the best liveaboard boats under $100k. 

A few companies build houseboats like Eco-Sea Cottages, but many will be one-off and home-built designs. Although these boats don’t move (much), they must still have a solid floating foundation to be safe, and only some marinas will allow them to dock there.

One more thing to consider

There are no hard rules as to what makes a great liveaboard boat! You just have to find one that suits you and your budget. Read our Living on a Boat post for more insight, and be sure to browse through Boatsetter to find the perfect liveaboard boat. 

About Boatsetter 

Boatsetter is a unique boat-sharing platform that gives everyone — whether you own a boat or yyou’rejust renting — the chance to experience life on the water. You can list a boat , book a boat , or make money as a captain .  

List. Rent. Earn— Only at Boatsetter

Zuzana Prochazka is an award-winning freelance journalist and photographer with regular contributions to more than a dozen sailing and powerboating magazines and online publications including Southern Boating, SEA, Latitudes & Attitudes and SAIL. She is SAIL magazines Charter Editor and the Executive Director of Boating Writers International. Zuzana serves as judge for SAIL’s Best Boats awards and for Europe’s Best of Boats in Berlin. 

A USCG 100 Ton Master, Zuzana founded and manages a flotilla charter organization called Zescapes that takes guests adventure sailing at destinations worldwide. 

Zuzana has lived in Europe, Africa and the United States and has traveled extensively in South America, the islands of the South Pacific and Mexico. 

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How to Live on a Sail Boat Full Time: All You Need to Know

Written by J. Harvey / Fact checked by S. Numbers

Table of Contents

1. Choosing the Location

2. what people you live have to say, 1. the essentials, 2. cost of living, 3. safety and security, 4. socialization and daily life, 5. living life sideways, final words and ready to sail.

Don’t just romanticize when settling in a sailboat because there are some things that you have to weigh in. It’s an unconventional lifestyle that necessitates the ability to adapt to changes, make preparation, and commit to organization.

Before getting on board for good, you need to gather information on how to live on a sail boat full time. You have to think of the essentials, comfort, daily life, connectivity, safety, and security.

You also have to adjust to a new home as you learn your balance and do stuff inside a sailboat. The following part discusses important things regarding this topic.

Are You Ready For A Full-Pledged Life In A Sailboat

Living in a sailboat full time is not for everyone. Thus, you have to ask yourself if you’re ready for a frugal lifestyle and carrying out daily maintenance. If you’re someone who truly loves water and natural elements, there’s no doubt you’ll be joyful about it.

Sailboats are the best choice if you wish to travel and not just stay in the same location. But first, some things should be a part of your decision, and they are as follow:

Your job can interfere with your decision. But you can always find the right choice to give way to it. You’ll find areas with reasonable proximity to water. As an example, the city canal barge is popular in the UK as sailors can take advantage of boat living options. Don’t forget to check on the availability as well as the cost of the docking stations.

Your partner or family has something to say about living in a sailboat. Those people will choose to live with you, so they have to agree with it. They should also be willing to limit things that are taken on board.

It’s tricky to bring small kids and even the bigger ones in a sailboat. They may struggle to live in it.

Important Things To Deliberate When Living On A Sailboat Full Time

You may leave your 2,000 square foot house for a 40-foot boat. When it happens, expect that cupboards are fewer, closets are smaller, and you won’t have as much space as before. To make the most of the available space, devote some time to de-clutter.

You can begin decluttering kitchen tools, clothing, and mementos. You may keep your business attire in your office and winter clothes in off-boat storage. Also, make sure that the boat’s interior is dry and warm with plenty of ventilation to avoid condensation and mildew, which will require you of a new set of tools and cleaners.

Another thing that you have to look at is connectivity. You may need marina Wi-Fi for TV and high-speed internet. This connection will keep you posted with work, family, friends, and entertainment.

Some skills are needed to keep your boat spic and span. You must know that sailboat maintenance can be more demanding than a house when it comes to frequency and distinction.

Basic electrical, plumbing, and mechanical skills are essential because systems inside a boat are less reliable than a house. Some opt for a contractor to fix issues as they can’t manage it by themselves.

Don’t assume that you can save from living on a boat. You can estimate and make a budget with these expenses:

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

Just like with everything, expenses can be managed well when you stick with the budget. Insurance to live aboard boats can be as expensive as home insurance. It depends on the vessel’s size and value.

You can pay less on property taxes and electricity as you don’t need to heat, light, or cool an ample space. Moreover, you can save some bucks on waste management, water, and gas.

What you would likely spend more money on is the maintenance. Labor and marine parts cost 20% higher than the household equivalent. When you work on something in your boat and you have a job at the same time, you don’t get paid for the hours that you spend on the task.

In regards to this matter, it includes the decision of whether to let dogs, kids, and strangers in your sailboat. Be wise with your judgment; will it be okay to have them around? Installation of CO2 and smoke alarms, as well as propane sniffers, is important for onboard safety and security. You can also get an alarm that can detect CO2 and smoke at the same time.

Fire extinguishers should also be on board in case of fire hazards, and you have to regularly check them. You need to keep an eye on battery levels and bilge. For the sake of safety, you must find out the answers to the following queries as well.

• Is it safe to walk from the parking area to the slip even at night?
• Is my care secured being stored in a 24/7 garage?
• Who will give you a ring when your boat is on the list while you take a vacation?

Don’t be surprised but socialization at a marina is way better than in a neighborhood. It’s because everyone helps each other so it’s like a two-way street. If you wish to be by yourself, you’ll end up unseen in the corner of the marina.

Life on a sailboat will train you on how to tilt at least 20 degrees. You’ll do it when you walk, sleep, cook, and pee. This practice is a constant act of balance. The world inside a boat seems to be sideways most of the time.

At some point, you feel like you’re in a black and white movie with a room that rotates while there are people that dance on the wall and the ceiling. You may be in discomfort and frustration for the first few days.

With the help of muscle memory, adjustments will be made by your mind and body. The time will come that walking sideways is just the normal way of walking to you. You must be able to adapt to the boat’s tight layout and unexpected movements.

To deal with the motion, calculated movements should be observed. Moving around the boat is sometimes similar to how astronauts behave when they walk on the moon. In this case, the rule of the sea can help you and it’s by having your one hand on the ship while the other is for yourself.

This rule can be applied in every task that you make onboard. For example, I can’t take two plates at a time. I needed to dedicate two rounds for it instead. You may experience being tossed in the cabin too. You may get some scrapes and bruises but they will heal later as you’ve learned how to walk sideways.

The way on how to live on a sail boat full time is akin to a rollercoaster ride. It can sometimes be scary but it’s worth it after you put things in order. Since you know the important things you have to set before going on board, you’re good to go. Your expectations are also set in what may happen when living on a sailboat.

It won’t be hard for you to manage things in your sailboat with the right knowledge that this article has imparted to you. So, bon voyage and enjoy life at the sea!

Read more other topics about sailboat:

• Steps to paint a sailboat.
• What is the average speed of a sailboat?

“My intention from the first day establishing Boating Basics Online is to provide as much help as possible for boaters who want to experience a first safe and convenient trip. So feel free to join us and share your beautiful journeys to the sea!”

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The Best Boats to Live On Full Time

14th feb 2023 by samantha wilson.

Choosing to live on a boat is a big and exciting step. Yet leaving behind the comforts of bricks and mortar (and the space they offer) for a more unorthodox lifestyle is something that more and more people are choosing to do. With the increased cost of living, especially in big cities, as well as the trappings of daily life, there is an increasing number of people who are opting to simplify their lives and move onto the water. We have looked at the pros and cons of living on a boat in a previous article, but here we take a look at the different styles of liveaboard boats and the best boats to live on year round.

So what are the options when it comes to living on a boat? From static houseboats to easily movable sailboats and a whole lot in between, the options are getting more creative, designer-led and spacious.

Ultimately, you can live on almost any boat. You might find it cramped, but it’s doable. Much of the decision will come from how you want to live, whether you’re looking to stay on a residential mooring in a water community close to your place of work and social life, or sail the seven seas (or the option to do both).

Types of Liveaboard Boat

The classic sailboat comes in all manner of shapes and sizes. They are the essence of ocean-going freedom, economical both in their purchase price and travel costs (wind power is free!), and ready for adventure. Finding a berth is usually easy and affordable, or they can be easily moored on anchor. On the downside, sailboats lack space, and many smaller models won’t have showers or hot water. You’ll need to consider size carefully, both for operational reasons – can you sail it single-handedly if needed? – but also keep in mind that running costs rise with size.

• Economical both to buy and maintain
• Finding a berth is easier than for larger houseboats
• It can be moved easily or sailed around the world
• Space is limited for both people and equipment
• They can lack the mod cons of larger houseboats

The Best Sailboats to Live on

Whether you’re looking for a new or used sailboat, there are thousands to choose from. Picking the best ones is impossible, but we are particularly fond of the following:

Catalina 38

The much-loved Catalina 38 sloop was in production from 1978 to 1999 and so there are many of these models on the used boat market. They make for a comfortable boat for a couple to live on, with plenty of well thought-out features from electrical outlets to a compact but well-equipped galley. Space will always be tight, but for a cozy cruiser bound for adventure the Catalina 38 is a great choice.

Another classic sailboat that has its origins in the 1970’s is the Hunter 33 , an aft-cockpit sloop, which was in production until recently, showing its immense popularity. The 33 foot sailing yacht offers lots of interior space, with a full dinette, head and shower, and master cabin, and all of it with standing room height. The galley is packed with storage lockers, and the entire décor is contemporary and comfortable creating the feel of a real home.

Photo credit: Marlow-Hunter

Peterson 44

Slightly larger than the other two n the list is the Peterson 44, a double-spread cutter, which offers plenty of living space whether you’re cruising or predominantly residential. Ideal for a small family, it is both affordable on the used market and packed with home comforts such as a shower, galley with oven, fridge and freezer, three cabins and a practical center cockpit.

If you’re looking for a full suite of amenities such as a house-sized kitchen and bathroom, plus oodles of extra living space then a multi-hull – catamaran or trimaran - makes for an excellent ocean-going liveaboard. The bridge between the hulls creates a light and airy above-water living space, with the bedrooms tucked into the hulls. They are also more stable than monohull boats, so for those with a delicate stomach in a high sea, these are becoming increasingly popular. Multi-hull boats tend to cost more to purchase, and because of their width will also incur higher berthing costs, so this is something to take into account.

• Lots of space compared to monohull yachts
• Full sized kitchen and bathroom
• Offer a stable ride
• Cost more than monohull yachts to buy
• More difficult and costly to find berths as they are much wider

The Best Catamarans to Live on

Catamaran sales, both of motor and sail models, are booming, especially with those looking to live on them full time. The extra space afforded by the double width beam is unparalleled in a monohull, and they are renowned for their stability. Here we take a look at some of our favorite models:

Privilege 435

Launched in 1999, the Alliaura Marine Privilege 435 is one of the most comfortable and spacious cats out there for its size. No expense has been spared when it comes to the finishings, and it has a really elegant and luxurious feel. Many of the ones you find on the used market were built more recently however, and so they come with the latest technology, navigational and safety equipment. With four bedrooms thanks to the iconic central ‘hull’ (which doesn’t tough the water) creating more space, it truly is a home on water, but its sturdy construction allows for long-range near coastal cruising too.

This new model from catamaran specialists Lagoon sits in the middle of their range of 40 to 55 feet luxury catamarans offering the ultimate in comfort and space but still compact enough for easy handling and mooring. Based on the groundbreaking 50, the Lagoon 46 manages to pack all the amenities in (we’re talking a huge, light-filled galley and dining room with wrap around windows, three cabins with a plush master suite in the starboard hull, and a luxurious amount of deck space).

Photo credit: Lagoon Catamarans

Fountaine Pajot Saba 50

It’s hard to choose from Fountain Pajot’s huge range of sailing and motor catamarans as they are some of the best and most luxurious on the market both in terms of performance and liveability.

Trawlers are a unique type of powerboat designed for long distance cruising and perfectly suited to living on full time. While their origins can be traced back to commercial fishing boats – and there are plenty of these full- displacement, ballasted hull models still in operation - modern trawlers are a very different animal. Wide hulls, less draft, more below-deck headroom and plenty of space for mod cons make these a hugely popular choice. You’ll find full-sized kitchens, showers, and multi-level living space, especially on the larger models. In fact, they don’t even need to be that much longer – a 35-foot trawler is much roomier than a 35-foot sailboat, for example.

• Oodles of space for the length
• Ultra-luxurious designs
• Compact for easy berthing
• The initial purchase costs are high
• More costly to run than a sailboat

The Best Trawler Yachts to Live on

New and converted trawlers are cropping up everywhere, and the modern designs are a far cry from the fishing vessels they once were. Décor is often penthouse chic, bringing cosmopolitan living to the open ocean. Here are some of our particular favorites.

Grand Banks 60

Grand Banks have taken the humble trawler and transformed it into a long-range cruiser with the luxury of a small superyacht and the spaciousness of a houseboat. The GB 60 is the epitome of what they’ve created, with an impressive cruise speed of 22 knots and a range of over 2000 nautical miles. Combine that with a luxurious, fully customizable interior, oodles of high tech, and their signature deep V hull for a smoother, faster ride and it’s the winning combination.

Photo credit: Grand Banks

Beneteau Swift Trawler 48

Whether you want to cruise to the far flung corners of the world or live comfortably at anchor, Beneteau’s range of Swift Trawlers offer their signature elegance and power. Imagine a plush central living space and wheelhouse with panoramic views, huge amounts of storage space, stylish cabins and a powerful, reliable, and efficient engine.

Ranger Tugs R-43

Ranger Tugs specialize in high quality vessels which are more affordable than most trawlers on the market. While you can pick up a brand new R-23 for $115,000, it might not be quite big enough to live on. Enter the R-43. Built by hand in the US it has a beautiful, light-filled interior perfect for families or friends to spend time together, as well as two cozy cabins each with en-suite shower rooms. You’ll also find a chef’s galley, laundry room, wrap-around decks and a suite of tech including twin Volvo IPS drives, joystick driving and docking, and a state of the art Garmin 22” navigation suite.

Moving on to a life on the water doesn’t have to be about cruising the great oceans. The joy of waking up to the sounds of birds chirping and the gentle slap of water on the hull, or of connecting to nature and living a simple life is just some of the appeal of living on a boat year round. Swapping sea-worthiness for space is a huge trade-off, and there are many different types of static or houseboats which offer a more residential feel.

Non-powered houseboats are a true home-on-the-water. A steel floating pontoon supports a mobile home type structure on the top, providing large amounts of living space, big windows, and all the amenities and home comforts you want. They can be towed from place to place, but are otherwise static in a residential community along rivers, lakes, sheltered bays and inland waterways. With municipal utilities, cable television and broadband internet connections, they give you the best of both worlds.

Powered houseboats are self-propelled residential vessels which come in many guises and make for a top choice of liveaboard. While some will be limited in the distance they can travel and be more reminiscent of the static houseboats, others have plenty of cruising power and are ready for coastal adventures. With a squarer silhouette, powered houseboats can accommodate an impressive amount of living space for their length.

• Attractive pricing compared to ocean-going yachts of the same size
• Huge amount of interior space with all the comforts of a home
• Creative interior design styles
• Extremely popular so finding a residential berth can be difficult
• Not designed for long-range cruising
• Some can only be towed and aren’t powered

The Best Houseboats to Live on

Architects have unleashed their imaginations with a new range of luxurious, creative and innovative designs for static houseboats and powered houseboats, which push the boundaries of water living with floor-to-ceiling windows, roaring fireplaces and rooftop hot tubs. Here are some of our top picks:

American Houseboat ‘The Zion’

Resembling a true house floating on water, these are the quintessential all-American houseboats. Measuring 14 x 14 feet, the two bedroom boats have an extra loft area and can accommodate up to eight guests. With big windows to let in the natural light, a full kitchen, and a huge private deck off the master bedroom you get home comforts with all the joys of being on the water.

Photo credit: The American Houseboat 

Gibson Cabin Yacht 5000

Gibson Boats are a major player in the houseboat industry and their Gibson Cabin Yacht 5000 is one of our favorites. It combines affordability (and there are several to be found on the used market) with spaciousness and reliability. You’ll find two or three double bedrooms, carpeting throughout, high quality electrical appliances including air conditioning and heating, and two full bathrooms including a tub.

Bravada Yachts Atlas V-Series

Calling the Atlas V-Series powered houseboats seems somehow wrong. They are much more than your average houseboat, a sleek and versatile ocean-going vessel designed for living on in ultimate luxury. With a futuristic silhouette, vast windows, two floors and every home comfort you can imagine (including a fire pit and rear waterslide), they have taken living on the water to whole new levels.

Photo credit: Bravada Yachts 

• Living on a Sailboat: Is it Right for You?
• Life on the Water: Living Aboard a Trawler Boat
• The Best Types of Boat to Live on After Retirement
• Sleeping on a Boat: Tips for Overnight Stays
• Types of Houseboats: Different Home Styles for Living on the Water
• Is Living on a Boat Right for You? The Pros and Cons of Living on a Boat

Written By: Samantha Wilson

Samantha Wilson has spent her entire life on and around boats, from tiny sailing dinghies all the way up to superyachts. She writes for many boating and yachting publications, top charter agencies, and some of the largest travel businesses in the industry, combining her knowledge and passion of boating, travel and writing to create topical, useful and engaging content.

More from: Samantha Wilson

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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.

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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 Full-Time?

What is the cost of living on a sailboat full-time? And can it be affordable? Yes! Absolutely it can.

It’s a dream for many to leave the land behind with its 9 to 5s, crowded cities, and traffic and take to the sea. To live aboard a sailboat for an extended period, maybe even indefinitely.

However, before casting off and setting sail into the sunset, one of the first questions, and perhaps the first hurdle to living this sailing lifestyle, is knowing how much such an adventure will cost.

Contrary to popular belief, boat life isn’t exclusively for wealthy people. In fact, living on a sailboat can be very affordable. Of course, a lot depends on where you’re planning to sail and what kind of lifestyle you want. Regardless of your budget, there are a number of common costs associated with living on a boat full-time that all sailboat owners should consider.

*All example costs given in $ USD

How Much Does Living on a Sailboat Full-Time Cost?

Living aboard a boat will generally cost somewhere between $500 and $10,000 per month at either extreme. For most, it’s probably somewhere close to $1,500 – $5000.

We spend somewhere around $2,500 per month living on a boat in the Mediterranean . That’s about $1,900 per month in living expenses plus a further $600 per month on boat-related expenses like servicing, repairs, boat insurance, and storage.

At the budget end of liveaboard life, are sailors living on smaller, older boats that they own outright, in areas where they can anchor regularly or have access to cheap mooring. In this case, overheads will be very low. If you can keep living costs down by cooking for yourself, not burning too much fuel motoring (either by sailing everywhere or simply staying put), and reducing maintenance and servicing costs by DIYing everything then live-aboard-life can be very cheap albeit very sparse.

On the other end of the spectrum, families leasing large, new boats that they use to explore widely can easily spend 10s of thousands in a single month.

Your cost of living on a sailboat will be completely dependent upon your own financial situation and personal aspirations for life on a boat. Let’s look at the various costs associated with living on a boat full time.

The Cost of Buying a Boat

One of the most obvious, and certainly the biggest, costs associated with the liveaboard life is the initial cost of purchasing a vessel to live on.

The cost of a boat will depend on your budget and criteria.

Realistically, a safe and seaworthy boat equipped for living aboard and with enough space for an individual or couple starts somewhere around $20,000. This will buy an older boat around thirty feet, but one that is sound and hopefully well maintained. There is no known upper limit for what you can spend on a boat, however, at the pointy end of the cruiser market, newer 50-foot monohulls cost hundreds of thousands of dollars and brand-new catamarans can cost over a million dollars.

To get an idea of how much a boat suitable for you and your crew’s needs will cost in your region head to Yacht World and plug in your criteria.

Other costs associated with purchasing a sailing vessel include:

• Pre-purchase survey reports – These are generally charged per foot and can cost between $10 – $25 per foot depending on the region your boat is in. Boat build material may also factor into the cost with wooden boats attracting higher inspection fees.
• Insurance – Liveaboard sailboat insurance, including third-party insurance which is almost universally mandatory, will vary substantially based on region, insurer, and boat value. On average an annual insurance policy should fall between $500 and $1,500 annually . Boat insurance is generally cheaper than home or vehicle insurance.
• Registration costs, once again will vary from region to region and based on the size of your boat and onboard motor. Registration itself usually costs several hundred dollars for a liveaboard-sized boat . It may be a one-time payment or an annual payment. Be aware, that there may be other costs associated with boat registration, for example, some authorities might require used boats to be hauled and inspected and any issues rectified which can quickly increase the cost of registering your boat.

Costs of Maintaining a Boat

Once you’ve bought a boat, the endless work and expense of maintenance begin immediately.

The old ‘rule of thumb’ is that maintenance costs for a boat will be around 10% of the purchase cost.

Older boats will require more maintenance more frequently and owners should err on the side of caution and may need to budget for more maintenance depending on the age and condition of their boat. There is a lot of equipment on a boat and ‘nautical’ products always seem to attract an inexplicable but hefty premium.

Engine, electrical systems, kitchen, safety equipment, ropes, anchors, sails, rigging, navigation, dinghy, outboard, the hull itself, the list of systems that may require spot repair or total overhaul at any given time goes on and on.

Being able to predict a potential range of maintenance costs will require having an accurate assessment of your maintenance needs. You can do this by keeping careful inventory and monitoring your systems.

Start with the recurring annual costs. For example:

• Inboard engine service
• Haul out, clean, and paint
• Outboard engine service

Next, consider which systems haven’t been updated or are starting to show signs of wear and anticipate potential maintenance or replacement costs. Try to stay on top of these issues as they arise to keep maintenance costs stable. For example:

• Sail Service (or Replacement)
• Worn out Rigging
• Electrical systems
• Electronic equipment such as sounders, navigation equipment or VHF radio
• Expiring safety equipment like flares, life jackets, EPIRB, and safety raft

Finally set aside some contingency funds, say 10% of the boat’s value to address the unexpected issues that will invariably arise. For example:

• Damaged rigging and equipment
• Plumbing issues
• Engine Issues
• Hull damage

For an in-depth look at some average costs for common boat maintenance tasks check out this article by Improve Sailing .

Costs of Mooring a Boat

No matter how ‘off grid’ you plan to get, at one point or another, you will need to moor your boat.

Like everything else, mooring and docking costs are wildly variable. The amount you will spend will depend largely on the size of your boat, how you plan to use it, and where you plan to sail it.

Boat size is perhaps the most significant variable when it comes to mooring. Prices are usually calculated per square meter. The longer and wider your boat is, the more expensive the mooring. For this reason, catamarans are generally the most costly sailboats to moor.

How you use it will also affect the amount of money you spend on mooring fees.

• Will you stay in one area year-round? And thus be able to get a much cheaper annual marina berth, rather than transient nightly berths which are much more expensive.
• If you plan on sailing your boat far and wide, do you want to spend a lot of time off your boat enjoying new places, attractions, and restaurants on the land?
• Are you a novice sailor not comfortable sleeping at anchor or sailing in bad weather
• Do you have a smaller boat without amenities like large water tanks, a water maker, or a large solar electrical system to comfortably sustain long periods away from the port?

These questions will help you understand how regularly you might want to moor the boat. However, you probably won’t know for sure until you begin sailing.

The costs of mooring are also very much dependent on where you plan to dock. Even within the same country or region, one place very popular for sailing with many amenities and attractions may be much more expensive than a nearby marina in a less popular area. You can easily research prices for marinas in a particular area to get an accurate idea of prices. If you are planning to remain mostly in one area, consider that long-term leases can offer far cheaper rates than transient mooring prices.

Marinas are the most obvious places to more but also the most expensive. Many regions have mooring buoys or public wharves that might be free to use or be far cheaper than a marina but lack facilities.

To summarise the cost of mooring your boat is highly variable but you can easily calculate a potential range of costs based on your specific situation.

If you have a small monohull and plan to spend the majority of your time on the anchor, only coming into a marina a few times a month in very bad weather or to resupply, and you choose your marinas carefully, you’re mooring costs could conceivably be kept under $100 a month.

If you have a larger catamaran, enjoy the safety and convenience of mooring in marinas, and plan to visit the most beautiful and famous sailing grounds in the world marina fees could easily exceed $2000 a month.

For most, it will be somewhere in between based on personal preference and budget.

Personally, currently sailing in Greece, we spend about $450 a month on marina fees. We have a small boat, a 29-foot monohull but we usually spend two nights in a marina each week, sometimes even more if there is poor weather.

Winter Marina Berth Costs

Sailors in areas with challenging winter conditions may choose to spend the summer months sailing from place to place spending time on anchor and in transient berths, and over winter continue living on their boats but permanently moored inside a marina. These semi-annual marina berths often cost less than berths in the summertime as many boats will be dry-docked and there is no demand for transient berths. Certain marinas have winter communities that return each year to wait out the winter in comfortable marinas with like-minded liveaboards.

Dry Docking

Some seasonal liveaboards may live on their sailboat only for the warmer months, and haul it out each winter for cheap storage. In areas that experience disadvantageous weather in the off-season dry docking your boat for the winter can be a cost-effective solution. Dry docking involves pulling the boat from the water and storing it on the land for the winter. Storing the boat on land is far cheaper than mooring your boat in a marina. Dry docking also provides an opportunity to perform maintenance on the hull.

Costs of Sailing a Boat

The wonderful thing about a sailboat is that the wind is free. Ostensibly you could liveaboard without any costs for traveling save for the costs of maintaining sails and rigging. In reality, if you plan to travel with your boat you may end up using your motor more than you thought. That being said, fuel costs for a moderately sized liveaboard boat (30 – 40 feet) should be negligible especially compared to transport costs on land.

We travel very slowly, we work during the week and do most of our sailing on the weekend. Often we travel less than 50 nautical miles a week. Say we sail half of that time that is 25 nautical miles a week to motor (basically nothing). Our boat tops out at a little over 5 kn. This means we might motor for about 5 hours at top speed we are burning about 2 to 3 liters of diesel an hour. Our fuel consumption is a paltry 10 – 15 liters per week! In 2022 marine diesel costs $2 a liter which puts our fuel costs at $20 – $30 a week.

Some weeks we have to travel more, and some less, sometimes there is more wind, sometimes less but overall fuel costs on our little sailboat are very manageable

Let’s look at the other end of the spectrum, a 50 foot Catamaran that has to cover a lot of ground sailing in a region without much reliable wind, but a lot of swell. Say this boat needs to travel 100 NM a week using only the motor and burns fuel at a rate of 12 liters an hour. With a faster top speed of 8 kn the larger boat might use 150 liters of fuel each week which in the current climate would cost around $300 per week.

Costs of Living on a Sailboat

The day-to-day cost of living on a sailboat will likely be similar to your day-to-day cost of living on land. We have included our budget here as an example of our weekly costs of sailing in the Mediterranean.

This hasn’t changed much for us. We still cook most meals onboard and go out to eat when we are in a marina.

We spend about $80 a week on groceries and another $70 on eating out. However, your own personal grocery budget on land is a pretty good indicator of what you might spend living on a boat.

We spend another $50 a week buying wine and beer and budget a further $50 for going to the bar. We set aside $12 for coffee from a cafe on the weekend.

Phone and Internet

This one comes as a bit of a surprise to most people but our total phone and internet costs are less than $500 per annum. We have one entry-level smartphone that cost $250. We use data-only sims in the places we sail and are currently using a $50 Cosmote Three Month Unlimited Data sim in Greece. When in a marina we can often access marina wifi.

Using this single phone and single prepaid data sim we are both able to work using video conferencing as well as stream television and upload our own movies and photos to social media. The limitations of relying on a smartphone are that you usually need to be in sight of a cellular tower. As we are sailing in Europe and stay close to shore this is not a problem for us. But this might be too limiting for some.

Other phone and internet gear that full-time sailors might consider are mast-mounted wi-fi hot spot which provides a dedicated hot spot 24/7 and greater range than a smartphone thanks to their powerful antennae and positioning. Antenna boosters for wifi and cellular data are also cost-effective ways of increasing your range.

The truth is that cellular data is so cheap and so readily available along the coasts of most major sailing destinations that a modern smartphone is all most sailors will need these days. However, for those intrepid explorers planning long passages far from shore, another solution may be required.

Satellite internet is the only option to stay connected if you plan to sail offshore. The cost of satellite internet has been prohibitively expensive for most for a long time. Startup costs of purchasing entry-level marine satellite dishes cost thousands of dollars and very basic plans with a small amount of data and slow speeds cost thousands more each year. Large amounts of high-speed internet at sea and the infrastructure to deliver it can easily cost 10’s of thousands of dollars.

Hopefully, as satellite internet becomes more widely adopted, the prices of satellite internet comes down giving off shore cruisers an affordable way to access high speed internet.

Entertainment

Boat life is rarely boring. We spend weekends sailing, anchoring in new bays and beaches, swimming fishing, and cooking.

When we reach a new town or city we will often spend a night in a marina, once or twice a week. This gives us the opportunity to leave the boat to explore a new area.

In total our entertainment spend boils down to

• Netflix – Free using Mum’s login details
• Spotify – $12 per month
• Bars – $50 per week
• Restaurants – $80 per week

Final Thoughts About the Costs of Living on a Boat

Of course, the cost of living on a sailboat full-time will be different for everyone. The biggest factors will be the boat you buy, how you use it, and where you intend to sail.

Sailing can be bare bones, basic, and frugal, it can be reasonably comfortable and moderately priced or it can be luxurious and mind-bogglingly expensive and everything in between.

Whatever your budget and whatever your sailing style, you are really only limited by your imagination.

Hopefully, we have given you a starting point to think about the cost of living on a sailboat full-time. But if you have any questions or comments please let us know below!

Looking for more sailing content? Have a look at these recent articles:

• The 13 Best Sailing Vlogs And Sailing Blogs (According to Us)
• 10 Things We Hated About Sailing Albania (And 5 Things We Loved)
• Buying a Boat In Croatia

Want to save this Cost of Living on a Sailboat Full-Time blog post for later? Pin it!

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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The Sailing Life and You: A Comprehensive Guide

Sailing is more than just a hobby; it’s a lifestyle, an adventure, and a way to connect with nature in an unparalleled way. The idea of cruising through open waters, harnessing the wind, and exploring distant shores has captivated the human spirit for centuries. Whether you’re drawn to the peaceful solitude of solo sailing, the social camaraderie of group trips, or the excitement of competitive racing, there’s a form of sailing for everyone. However, getting started can feel overwhelming with so many facets to consider, from the types of boats to the costs involved. This blog will serve as a guide to help you explore the sailing lifestyle and navigate the essential aspects of this incredible pursuit.

The Appeal of Sailing Life

The allure of the sailing life goes beyond the mechanics of operating a boat. It offers a unique blend of freedom, adventure, and self-reliance. Sailing can take you to pristine, uninhabited islands, allow you to live off-grid, and give you the opportunity to connect deeply with nature.

• Freedom : One of the most appealing aspects of sailing is the ability to go wherever the wind takes you, whether you’re cruising coastal waters or embarking on long-term bluewater voyages.
• Connection with Nature : Sailing brings you closer to the sea, the weather, and the wind, offering a profound sense of harmony with the elements.
• Adventure : There’s a thrill in exploring new destinations by boat, accessing remote places that are inaccessible by land.
• Self-Reliance : As a sailor, you become the captain, mechanic, navigator, and crew of your vessel, gaining invaluable skills and resilience.

Types of Sailing

1. day sailing.

Perfect for beginners, day sailing typically involves short trips that last a few hours or an entire day. These adventures are often close to shore and don’t require a large vessel or extensive experience.

• Boat Type : Small sailboats (e.g., dinghies, small keelboats)
• Cost : $1,000 – $10,000 (for small second-hand boats)

2. Coastal Cruising

This is the next step up, where you explore coastal waters, harbors, and nearby islands. Coastal cruising trips can last anywhere from a few days to several weeks, depending on your planning and destination.

• Boat Type : Mid-sized yachts (25–40 feet)
• Cost : $20,000 – $100,000 (for used boats)
• Skills Needed : Basic navigation, weather awareness, boat handling

3. Bluewater Sailing

For those drawn to the call of the open ocean, bluewater sailing involves crossing oceans and traveling long distances between continents. It requires advanced skills, a larger, sturdier boat, and a deeper understanding of navigation, weather patterns, and boat maintenance.

• Boat Type : Large ocean-going yachts (35–50 feet)
• Cost : $50,000 – $300,000+ (depending on boat condition and size)
• Skills Needed : Ocean navigation, advanced weather forecasting, long-term boat maintenance

If you crave speed and competition, sailboat racing might be for you. Racing requires quick thinking, teamwork, and technical sailing skills. It can range from casual weekend races to prestigious events like the America’s Cup.

• Boat Type : High-performance racing boats (dinghies to large yachts)
• Cost : $5,000 – $1,000,000+ (depending on type and level of competition)
• Skills Needed : Advanced sailing techniques, race strategy, and teamwork

The Costs of Sailing

Sailing can be surprisingly affordable—or incredibly expensive—depending on the scale of your ambitions. Here’s a breakdown of the general costs involved.

1. Boat Purchase

Buying a boat is the most significant investment you’ll make in your sailing journey. Prices vary widely based on the size, age, and type of boat, as well as whether you’re buying new or used.

• Small Dinghy (for beginners) : $1,000 – $5,000
• Small Keelboats (20–30 feet) : $10,000 – $50,000
• Mid-Sized Yachts (30–40 feet) : $50,000 – $200,000
• Bluewater Yachts (40–50 feet) : $100,000 – $500,000+

2. Maintenance and Upkeep

Even a well-maintained boat requires regular attention. Expect to spend around 10% of the boat’s value annually on upkeep, which includes cleaning, repairs, and replacing parts like sails, rigging, and electronics.

• Annual Maintenance : $1,000 – $15,000 (depending on boat size and usage)

3. Docking and Storage

If you don’t live in a coastal area or prefer not to trailer your boat, you’ll need to pay for dockage or storage. Marina costs vary by location and the size of your boat.

• Marina Fees : $100 – $1,000+ per month (depending on location and boat size)

4. Insurance

Boat insurance is another cost to consider, especially for more expensive yachts. Factors like the boat’s age, size, and your sailing experience will influence your premiums.

• Insurance Costs : $300 – $2,000+ annually

5. Fuel (for auxiliary engines)

Although sailboats rely mainly on wind power, you’ll need a motor for docking, maneuvering in tight spaces, and as a backup on windless days.

• Fuel Costs : $50 – $300 per trip (depending on distance and engine size)

Essential Gear for Sailors

Beyond the boat, you’ll need some basic gear to sail safely and comfortably. Here’s a list of essential items every sailor should consider:

• Life Jackets : U.S. Coast Guard-approved for safety.
• Navigation Equipment : GPS systems, charts, and a compass for longer voyages.
• Sailing Clothing : Weather-appropriate gear like waterproof jackets and shoes.
• Safety Equipment : VHF radios, emergency beacons ( EPIRBs ), and flares.
• Maintenance Tools : Basic tools for small repairs and upkeep.

Learning to Sail

Before you embark on your sailing adventures, you’ll need to learn the basics. Fortunately, there are many resources available for novice sailors:

• Sailing Schools : Formal lessons are the quickest and most effective way to learn. Expect to pay anywhere from $500 to $2,000 for beginner courses.
• Books and Online Resources : Numerous books, websites, and YouTube channels offer tips and tutorials.
• Community Sailing Programs : These can be an affordable way to gain experience without the financial burden of boat ownership.

Living the Sailing Life

For many, sailing becomes more than just a weekend activity—it becomes a way of life. Liveaboard sailors choose to reside on their boats full-time, embracing minimalism and a connection to the water. This lifestyle often involves long-term cruising and exploring new ports, all while living off the grid.

Pros of Living Aboard:

• Cost Savings : No mortgage or property taxes.
• Freedom to Travel : Explore new areas whenever you like.
• Simplicity : Life on a boat encourages minimalism.

Cons of Living Aboard:

• Limited Space : Storage and personal space are limited.
• Weather Dependency : Sailing life requires constant awareness of weather conditions.
• Maintenance : Boats require continuous upkeep, and living aboard accelerates wear and tear.

The Future of Sailing: Sustainability and Technology

Sailing is inherently eco-friendly, relying on wind power to travel. However, modern sailing is embracing even more sustainable practices, with innovations like solar panels, electric engines, and water desalination systems becoming more popular. These advancements not only make long-term cruising more feasible but also lessen the environmental impact of sailing.

The sailing life is a journey that promises freedom, adventure, and personal growth. Whether you’re taking your first steps with a small day sailer or dreaming of crossing oceans, sailing offers a path to explore the world in a unique and fulfilling way. Though it requires investment in both time and money, the rewards of sailing—the serenity, the skills gained, and the experiences shared—are immeasurable.

With proper planning, education, and equipment, the sailing life can become an enriching and exciting pursuit. Embrace the wind, and let it guide you toward a life of discovery.

Happy Boating!

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Read Buying Your Next New Boat: Tips for Upgrading until we meet in the next article. 

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Read on for 13 of the best places to liveaboard in the U.S. to maximise your quality of life and quality of sailing.

On this page:

San francisco bay, california, newport, rhode island, green bay, lake michigan, corpus christi, texas, san juan island, washington, tacoma, washington, lake of the ozarks, missouri, long beach, california, chesapeake bay, maryland, long island, new york, tampa bay, florida, destin, florida, oahu, hawaii.

San Francisco Bay is a paradise for sailing. The sheer variety of conditions and scenery you can find in the bay makes it an ideal destination for anyone who loves a challenge. Whilst the weather is not as warm as others on this list, if you wrap up well when you’re out and make sure your boat is fitted with a good heater, it can make an excellent choice. From the Tiburon Peninsula to Richardson Bay to the Farallones, there is a wide range of conditions and winds to contend with. At the same time, there’s plenty of developed waterfront areas to eat, grab a drink or go shopping.

One of the cheapest places to live aboard in San Francisco Bay is Oyster Point Marina where reports put the monthly cost at $350 plus a live aboard fee of $200. Generally, the harbours get less expensive as you go further inland. Good choices include San Rafael and Vallejo.

For cruising at the weekends there’s plenty of destinations on offer including Angel Island or the Petaluma or Napa Rivers. If you have longer, you could consider sailing south to Half Moon Bay or Monterey. A combination of cheap rates (if you know where to look), varied sailing, and plenty of destinations nearby make San Francisco Bay a top choice for liveaboards.

Perfectly positioned on Aquidneck Island, near the mouth of Narragansett Bay, Newport is known as the sailing capital of the world. Whilst this title is certainly up for debate and there’s plenty of other destinations claiming the same, it’s a really popular destination on the East Coast. The area is blessed with a beautiful shoreline and more than 400 miles of coast dotted with beaches. There are yacht tours and a regatta during the sailing season, which runs from mid-April to late October, and there’s some good liveaboard spots available too.

Newport’s popularity makes it an expensive choice but there are some areas that are more reasonable options. Wickford, on the west side of Newport, has rates starting at around $500 per month for a medium-sized boat with access to the town. Jamestown across the bay is also a less expensive option. Getting across to Newport itself is easy enough and the proximity means you can still enjoy all the city has to offer. If walking is more your idea of a good time, there’s a 3.5 mile cliff walk to sink your teeth (feet?) into.

Green Bay on Lake Michigan is another picturesque and convenient choice for liveaboard hopefuls. Green Bay is separated from the rest of the lake by the Door Peninsula and the Garden Peninsula and the islands between them. The waters around Green Bay have been important for hundreds of years, serving as a key waterway for trading fur and pelts. Its history as a port can be traced back to Native American use before British, French and American traders began building military fortifications to secure their hold on the territory in the early 1800s.

You can get to Green Bay via the Fox River, Sturgeon River and Porte des Mortes. Green Bay is ideal for fishing fans as well as offering a large variety of onshore activities from shopping to eating out to the Green Bay Botanical Garden. Green Bay rates start as low as $150 a month if you’re on a strict budget. Be warned, for this price the space will be basic. For higher prices you can find somewhere nicer - you pay for what you get in this area.

A coastal city on the Gulf Coast of Texas, Corpus Cristi is an affordable and popular option for living aboard, offering the practicality of being close to the city but the romance of life at sea. Sheltered by the Padre and Mustang Islands, the waters are home to sea turtles and migratory birds can be seen flying overhead. At the same time, the waterfront is undergoing increasing amounts of development. It’s known as a safe and laid-back city, making it a popular choice if you’re looking for an easy life.

Texas is a great state for liveaboards as boat taxes are relatively low. You can find slips starting at just $150 per month for smaller boats though prices go up for larger boats of course. One example is a 60-foot slip for $3,000 per year, working out at just $250 per month. Some marinas in Texas allow you to pay annually instead of monthly, which can also save you money long-term.

Stunning views, regular festivals and friendly locals - San Juan Island can offer a lot if you’re looking to liveaboard. San Juan is the second largest island in the archipelago between Vancouver Island in British Columbia and mainland Washington. In spite of this, at only 24 miles long, 9 miles wide and a population of 7,500, it’s definitely a small town spot. Here’s a location where everyone knows everyone.

Visitors are drawn by the woods, the beaches and the impressive views of the Olympic Mountains. For cultural activities, there’s a wide range of galleries and studios on the islands thanks to the large number of artists who call the area home. It is also the best spot in Washington for sailing. Despite the drop in temperatures, it’s suitable for sailing year-round, making it an ideal location if you’re planning to liveaboard for 12 months of the year. The best time to sail is from April to October and in the summer you can see orca wales on their annual migration. Be warned, rates tend to be higher for San Juan than other locations but if you have the budget, it’s worth it.

Tacoma is a practical choice for those looking for reasonably priced slips in Washington. Perched on the Puget Sound, Tacoma’s Commencement Bay offers liveaboards city conveniences combined with great sailing. The Puget Sound itself offers good cruising grounds and you can head north to the San Juan Islands for trips. In the South Sound, there are plenty of state parks to be found and fantastic scenery thanks to Mount Rainier only 42 miles away. This is also handy if you’re looking for adventure activities on dry land. What’s more, Tacoma neighbors Seattle and is close enough that you can head over there whenever you’re looking for a taste of the big city.

Rates for liveaboards vary depending on where you’re looking in Puget Sound. Reports for Tacoma put slips at $500 per month compared to $750 in Seattle. Nearby Bremerton is another good choice for keeping costs fairly low. The great news about this location is that there’s a lot of choices for liveaboard marinas so you can find one that suits your needs, be it an on-site gym, a kitchen, showers or storage facilities.

Coming in top for the most break-taking scenery, the Lake of the Ozarks is a truly stunning place to live. Thankfully, living aboard your boat is also fairly cheap, giving you a much better deal than if you tried to buy or rent a lake-side property. The water levels are fairly stable year round and there is a wide range of marinas to choose from who are happy to accommodate liveaboards. Different marinas offer different amenities with some set up for entertaining, with access to BBQs and bars and others better for a quieter lifestyle. It’s a good idea to tour some of them before you decide where to stay to get a feel for the different atmospheres and what you can expect.

There’s no end to the conveniences on offer in this the Ozarks with dockside cafes and restaurants aplenty, placed at convenient points along the shore. The Lake of the Ozarks is so well set up for liveaboards that you can even get food delivered to your boat! This is the ultimate spot for convenience and practicality, if takeout is your idea of being practical!

A really popular destination for liveaboards, Long Beach offers a large number of liveaboard locations that you can take advantage of. The nearby Channel Islands make a nice destination for sailing trips and you can enjoy other water-based activities like scuba diving and kayaking too. This is a fantastic choice if you want to live in a place where it’s summer all year round.

The only drawback for living aboard in Long Beach is the waitlist for slips. Thanks to a restrictive cap of 10% for liveaboards in each marina, it can be tough to find a free space. There is no fee for putting in a ‘Liveaboard Request’ but you’ll need to be patient. If you have time to spare then the rewards are worth it and it’s a good option for practicality and a high quality of life. However, this destination is not for spur of the moment decisions!

One of the most popular destinations for year-round living, Chesapeake Bay has a lot to offer liveaboards. From rich biodiversity to stunning sailing destinations nearby, there’s a whole range of reasons that this one is on the list. You can choose from a large number of different marinas around the Bay so it’s up to you if you prefer to live near Baltimore, Virginia Beach or anywhere else in the area. At the same time, the Bay offers protection against bad winter weather so it’s a practical choice for all seasons.

Prices can vary depending on where you go and how close you want to stay to urban areas. The starting point is around $300 per month and rates go up from there. For city living on board your boat, you’re going to pay between $5,000 to $8,000 a year here.

Long Island is the perfect choice for living aboard if you’re looking for plenty of destinations to sail to in your free time. You’re at the gateway to New England and can easily head to Connecticut, Rhode Island and Massachusetts in less than an hour. Of course, you can’t forget about New York City as well! Have you ever fancied sailing through Manhattan? It’s a challenging but rewarding cruise with plenty of iconic views along the way. Alternatively, head to The Hamptons for an upmarket experience in the destination of choice for wealthy city-dwellers during the summer.

Long Island itself is 100 miles long and 20 miles wide with bays and inlets, extending into the open ocean. This makes it an awesome destination for sailing, sight-seeing and living aboard. Unsurprisingly, prices are more expensive than others on this list at approximately $600 per month for a 40-foot slip.

One of the biggest attractions for living aboard in Florida is the weather. You can’t beat the year long summer climate that makes really comfortable conditions for liveaboards. There’s a whole range of options if you’re looking to live aboard in Florida but Tampa Bay is an affordable choice compared to other locations closer to big cities. You’ll find a wide range of rates reflecting the location you choose.

In Tampa and neighboring St. Petersburg, you should be able to find marinas offering $500 per month for a 40-foot slip and other spots that are lower. The beauty of Tampa is that the waterfront is well developed with food, shopping and leisure options to keep you entertained. This means there’s no commute inland to get somewhere fun. Be warned, insurance can be high in Florida and local laws means there’s hoops you have to jump through in order to live on your boat. If you can take this in your stride than Florida makes a great choice.

Staying with Florida, Destin is another blissful choice for would-be liveaboards who are looking for a relaxed, subtropical lifestyle. Destin’s beaches are one of the biggest draws for this location, as well as the number of barrier islands to explore. Located on the Panhandle of Florida, Destin is a paradise for leisure activities. The bay and Intracoastal Waterway is perfect for sailing beginners but getting out to the east Pass and the Gulf of Mexico is where the real fun begins. Tides, swells and cross-currents make it a challenging and exciting sailing destination.

The popularity of this destination makes Destin a more expensive choice. You will most likely have to go on a wait-list before you can find a slip. On the other hand, Florida is one of the states with the lowest taxes on boats so that can work in your favour. What’s more, Panama City is within easy reach of Destin for a weekend or head to Choctawhatchee Bay and discover the inland waterways and islands of the Santa Rosa Sound.

Hawaii is an awesome spot for sailing and the island of Maui is considered to be one of the best in the U.S. but Oahu island has a lot to offer liveaboard hopefuls. Honolulu may seem like an obvious choice but there are other options elsewhere on the island that offer practical alternatives. As with other sought-after locations, many of the liveaboard marinas on Oahu have long wait lists and it can be hard to find spaces for permanent stays. Some of the most popular options, including Haleiwa Harbour on the North Shore have wait times of up to 20 years! This is because it’s the only safe harbour on this shore.

If you can find a space, Hawaii life is worth it. From snorkelling to diving, the island life is truly tempting. In the summer months, you can sail to Waimea Bay and anchor on the sand for a romantic getaway. Thanks to the conditions, you can sail year-round and the infamous Hawaiian winds give you plenty to work with, ensuring you’ll never get bored.

Now the only question is, which destination will you choose?

lee rawlings

ahoy do you know list of low price live a boards in south florida, miami to port st lucie area

Katherine Lindell

Thinking about living aboard your boat in Hawaii? Don’t even go there. Hawaii is considered to be one of the worst sailing destinations in the country if not is the entire world. The entire boating scene in Hawaii is tightly controlled by the division of boating and ocean recreation, well known here to be corrupt and dysfunctional under the leadership of a certain Edward underwood, himself A stunning example of compromised agenda. You are currently not allowed to live anywhere in the state of Hawaii on board your vessel. And because the state’s government is so incredibly corrupt we don’t see this changing anytime soon.

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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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How To Live on a Sailboat

Living on a sailboat can be a rewarding experience, especially if you come prepared and make strategic lifestyle adjustments.

Living on a sailboat is possible if you find the right boat, stay organized, manage maintenance and utilities effectively, make an income, and choose a suitable marina. Anyone who follows these steps can live a frugal and comfortable life on a sailboat.

In this article, we’ll cover all the major points and lifestyle adjustments necessary to live a clean and comfortable life on a sailboat. Additionally, we’ll cover some of the benefits and go over the technical steps you’ll need to take to keep your boat in good shape.

We sourced this information from experienced liveaboards and included the lessons they learned from living on a boat.

Table of contents

‍ Decide if the Liveaboard Life is Right for You

Living aboard a sailboat can be a rewarding and life-changing experience. Many live aboard for adventure, and others choose to live a more laid-back lifestyle and reduce their living expenses. Regardless of your reasoning, it’s important to consider the realities of living aboard and the sacrifices you’ll have to make.

Living aboard requires careful attention to maintenance, good organization, and an actual desire to live the lifestyle. You can successfully live on a sailboat without experience if you’re willing to make some changes to your lifestyle, reduce the amount of stuff you own, and stay on top of maintenance.

Is Living Aboard Common?

Yes, many people live aboard sailboats. It’s legal in most places, and there’s a relatively large online community dedicated to the practice. The majority of people who live on sailboats do it because they love sailing and the lifestyle.

Liveaboard Sailboat Utilities

Like a house, your sailboat needs utilities if you plan to live aboard. These systems have been well-integrated over the years, so it’s pretty easy to get power, water, and fuel for living aboard. Here’s how utilities work on a liveaboard sailboat.

Power, Water, and Sewage

When living in a house or apartment, the only time you really have to think about power, water, and sewage is when the bill is due—or when it stops working. On a sailboat, these things aren’t so hands-free.

Boats store water and sewage in tanks. Usually, a sailboat has a freshwater tank (for drinking) and a greywater/black water tank (for sewage). Eventually, these tanks will be full and need to be dumped, but you don’t have to rely on your freshwater tank when living aboard.

Most liveaboards hook their sailboats up to shore power using a special marine extension cord and a dock outlet. Water is connected this way as well, and some marinas offer sewage hookups at each dock.

However, you’ll probably have to pump out your septic tank at a separate location every so often. Plus, marinas charge for power and water.

Saving Water and Power on a Sailboat

Conservation is key to a convenient and clean life on a sailboat. You may have unlimited fresh water from a shore connection, but your septic tank will eventually get full. This may necessitate taking shorter showers and other water-saving steps, which are good habits to develop anywhere.

Additionally, your sailboat’s electrical system is designed to operate with or without shore power. This makes it relatively easy to install solar panels or a wind turbine, which (with a battery bank) can completely eliminate your dependence on shore power.

Liquid Fuel

Sailboats usually don’t have electric or gas appliances. Instead, sailboat stoves and heaters usually run on liquid fuel such as kerosene, alcohol, or diesel. Unlike a house, you’ll need to haul in fuel and use it safely and conservatively.

Alcohol stoves are the cleanest, but diesel heaters are the most common. These systems must ventilate correctly and be free of leaks, and you have to clean them once or twice per season to ensure safe and efficient operation.

Liquid Fuel Alternatives

Liquid fuel can be messy, smelly, and dangerous if used or stored improperly. Most sailors don’t like having a diesel tank in their living room (understandably so), so they use practical alternatives.

For heating, you can use an electric heater when connected to shore power, provided your wiring is safe enough. Figure out what gauge of wiring your 110-volt system uses, and hire an electrician to retrofit it if the wiring is too thin.

Another alternative is propane, which is cheap and cleaner than diesel or kerosene. Propane stoves used for camping fit on top of liquid-fuel stoves, and they’re a great choice for cooking when in the dock. Additionally, portable indoor propane heaters can be used, provided you have adequate ventilation.

CO Detection

Always install at least one carbon monoxide (CO) detector in your boat, regardless of what kind of fuel you use inside. A sailboat cabin is essentially a ziplock bag and the perfect environment for carbon monoxide to settle.

Install the meter near the floor, as carbon monoxide tends to sink. Additionally, an extra meter in your sleeping area is a great idea as well. Always test your meter before using a propane heater inside, and keep a window cracked or a vent fan on regardless of the outside temperature.

How to Choose a Sailboat to Live Aboard

Choosing a sailboat to live on is the first step in the process. You’ll have to first determine what kind of a sailboat you want, your budget, and what level of space and comfort you’re looking for.

The smallest feasible liveaboard sailboat (in which you can be hygienic and stand up straight) is about 20 feet in length, though the average size ranges from 26 feet to 40 feet. This is strictly speaking for monohull sailboats, as multihulls like catamarans have very different size and space standards.

The average comfortable liveaboard for one or two people is about 30 feet in length. A boat like this is affordable on the used market and includes everything you need to live a normal and healthy life.

A 30-foot sailboat almost always includes a shower, a full-size marine galley for cooking (with an icebox), a comfortable sleeping area, and a separate space for dining and working. You’ll likely have additional sitting areas too, and a chart table for navigating.

Anything beyond 30 feet will add additional space, but the accommodations will be about the same. A boat 25 feet and longer will likely have good standing headroom, which is a necessity for the vast majority of liveaboards.

Liveaboard Sailboat Prices

Finding a boat is largely a budget issue. Thankfully, there are lots of used sailboats on the market that are suitable to live in and relatively inexpensive. New sailboats cost upwards of $150,000–but don’t use this price as a benchmark for used sailboats.

The majority of suitable liveaboard sailboats can be found for less than $50,000, and a little bit of searching can get you a nice liveaboard for $10,000 or less. This makes the lifestyle an affordable option for many people, especially if you have a house or a car to sell prior to purchasing your boat.

The price of a used sailboat doesn’t necessarily predict its value or condition. Used sailboats, especially those 30 to 50 years old, don’t have pricing guides like cars do. Additionally, the maintenance and docking requirements often prompt owners to sell for far less than they’re worth.

Sailboat Accommodations

The minimum accommodations you’ll need to live aboard are a galley (kitchen), a table for eating and working, and a head with a toilet and a shower. Almost all cabin sailboats have a berth (bed), even if they don’t have anything else.

You’ll want a sailboat with electrical power too. Most sailboats produced after the 1940s are equipped with electric lighting and outlets, so just make sure that they work. All of these features can be found on sailboats 25 feet and larger.

Sailboat Condition

Condition is another important element to consider, and it can make or break your liveaboard experience. A sailboat with mold, leaks, a messed up electrical system, or other systemic problems can hamper the quality of life and be more trouble than it’s worth.

Cosmetic repairs are much easier to deal with than other problems, and you can always reupholster the interior. When given the option, choose a sailboat that’s solid and sanitary over one that looks good but has serious issues.

How to Stay Organized on a Sailboat

Staying organized is a big part of living aboard, and it can make the experience much more enjoyable and practical. In fact, liveaboards say that staying organized is one of the most important skills to develop. Here are some tips for staying organized aboard a sailboat.

Downsize Your Tools

Everyone needs a certain set of tools to live a clean and healthy life. These include cleaning equipment, dishes, pots and pans, and so on. On a sailboat, your primary constraints are space, power, and water, so you’ll have to develop a system that makes the most out of each.

Start with your cleaning equipment. Toss out that large vacuum and replace it with a dust buster. A well-made dustbuster-type vacuum can easily keep a sailboat clean, even if you have pets. It’s worth splurging on the best one you can find, as you’ll get more out of the space and electricity with a high-quality unit.

Next, change your habits to reduce the amount of cleaning you have to do. Try to minimize crumbs and spills by eating only at the table, and use glasses designed for sailboats.

Additionally, you can reduce the size of your cooking utensils and wash them immediately instead of using a second or third pan before doing the dishes. You’d be surprised by how much stuff you can do without if you’re conscientious about what you use.

Dedicate Storage Spaces

Dedicate storage spaces aboard to specific types of items. For example, choose a cupboard for cleaning supplies and figure out how to fit everything you need inside. Keep safety equipment in one area, and be sure to separate dirty from clean items.

For example, you can choose a cockpit locker for storing sails, engine tools, and other items to keep the smell and grime of diesel fuel, oil, and fiberglass resin away from your living space. Sailboats are often filthy because outdoor items are stored inside, but you can break this trend by separating them into logical spaces.

Many sailors store clothing underneath sitting areas, and you can keep them clean by using vacuum-seal bags or plastic boxes. Glasses can be stowed overhead, and books can be kept on exposed shelves.

Buy Smaller Items

This will cost more initially, but using supplies conservatively can offset the cost. Things like soap bottles, toothpaste tubes, and paper towel rolls are usually purchased in bulk but are available in smaller quantities.

It’s cheaper to buy in bulk, this is true. But some items that take up lots of space in bulk simply aren’t worth sacrificing a sitting area or an entire box of clothing for. Over time, you can use the smaller quantities to become aware of how much you use and how to reduce costs.

Reduce Garbage

We produce a lot of trash. Trash is the most useless waste of space aboard a sailboat and also one of the worst contributors to unpleasant odors and unsanitary conditions. The simplest solution is to stop using as much disposable stuff as possible.

A dish rag used instead of paper towels will reduce costs, save space, and last infinitely longer. Avoid buying items with excessive packaging, and if you do, dispose of the package onshore before bringing it aboard.

This is a great opportunity to eat healthier, too. Many liveaboards live without a microwave, as it saves space and vastly reduces the amount of processed food and food packaging trash you produce.

Instead of throwing out extra food every day, cook portions that you can finish. You’ll have to shop more often, but you’ll have more fresh food every day and your health will improve in the long run.

Downsize Your Stuff Collection

The most dramatic shift that new liveaboards have to contend with is the lack of space. There’s simply not enough space on a sailboat to store years of stuff. Unused Christmas presents, old shoes, that workout machine you got at a yard sale—it’s all gotta go.

Things like photo albums and hard drives should be kept (maybe offsite), but other items can almost always be disposed of one by one.

An easy way to choose what to donate or throw away is to lay everything out on your driveway and sort through each item individually. Address each item one by one, and decide if it’s indispensable. After you’ve chosen all of the things you need, the rest of the space can be used for the things you don’t need but want to keep.

How to Make Money Living on a Sailboat

Another necessity when living aboard is money. Unless you’ve got a major nest egg, you’ll need to work and make a living somehow. Decades ago, this was complex, as there were few jobs on the waterfront that paid well and didn’t break your back. But today, you can make a full-time living without stepping foot onshore.

Remote Work and Freelancing

Remote work is the best prospect for making a liveaboard income. The minimum required to survive is between $1,000 and $2,000 per month, and virtually everyone can utilize or learn a skill to make money online.

Freelance careers, such as writing, web design, or coding, are a great option if you have the skills or want to learn, and entry-level opportunities are available. Additionally, personal assistant jobs are a way to go if you have experience in that field or want to give it a shot.

If you already have a job, enquire if it’s possible to work remotely. Today, many types of work can be accomplished remotely, including everything from mortgage underwriting to accounting.

Living aboard is the perfect opportunity to start a career, such as photography. The reduced expenses and location give you an opportunity to learn the ropes without going broke in the interim, and you can do virtually everything involved with an internet connection and shore power.

Boat Repair

Living aboard a sailboat puts you in the best environment for boat repair work. Skilled mechanics, carpenters, and handymen can find work almost anywhere that boats are stored. You’ll have to ask around, but liveaboard mechanics are indispensable in many areas.

Engine repair pays very well—upwards of $50/hour—as local mechanics like liveaboards can charge below shop rates. Fiberglass and hull cleaning gigs can net several hundred dollars per boat, and cosmetic/interior repairs also pay generously.

Finding a Place to Dock

Finding a marina is one of the most frustrating steps to living aboard, as location has a big impact on cost and the viability of living aboard. Some marinas encourage liveaboards, but others ban it outright.

A good medium is a clean marina with a few liveaboards, as these areas encourage responsible living and quickly expel people who don’t respect the area. Piles of garbage on derelict boats are unsanitary and shouldn’t be found in the best marinas.

The best way to find a marina is to call all the local docks and inquire about living aboard, price, and general atmosphere. Additionally, pay each marina a visit to see what it’s like in person. Try to talk with other liveaboards about marina management, hidden costs, and how they like the experience. This can save headaches down the road.

Where to Learn More

The liveaboard community online is sizable, especially on platforms such as YouTube. If you’re looking for insights, spend some time on the internet searching for videos and forums on the topic.

Lots of channels are dedicated entirely to living aboard, and you can learn a lot about day-to-day tasks and realities. It’s an excellent opportunity to learn vicariously and improve your liveaboard experience, and it gives you an opportunity to meet other people who share your new lifestyle.

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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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Living On A Sailboat Full Time: What It’s Really Like

Have you ever wondered what living on a sailboat full-time was really like? Check out an insider’s guide to the sailboat lifestyle!

“Being on a boat that’s moving through the water, it’s so clear. Everything falls into place in terms of what’s important and what’s not.”

James Taylor

What Is Living On A Sailboat Really Like

Sailing is the ultimate adventure – the wind in your hair, the power in your sails, the salt spray on your lips. You can spend one night moored up in an ancient city and the next on an uninhabited island, spearfishing your next meal. You can dance with the dolphins or nap in a hammock in the shade of a sail.  

But what is it really like to live on a sailboat and spend every day in a tiny floating home surrounded by a landscape so changeable? What are the key aspects that make this lifestyle so unique?  

After three years of living on board our 38ft sailboat, we’ve discovered the highs and lows of sailing life and what it’s really like to live on a sailboat.  

The Ultimate Freedom  

Many people would sum up freedom as the ability to sail away into the sunset. When you live on a sailboat, you have a huge amount of freedom, and it’s an incredible perk.  

If you get bored of the view, you can simply move anchorages. If you’re fed up with the winter, you can sail somewhere warmer. Don’t like your neighbors? Just sail away from them!  

Having a home that moves is the ultimate freedom, and it’s an incredible feeling knowing you go where the wind takes you.  

On the flip side, you’re tied to the boat. The day you move on board is when you inherit a huge responsibility, which can sometimes feel like the opposite of freedom!   

If it’s windy, then you can forget about going to the shore as you need to be on board, making sure the anchor doesn’t drag. If something breaks (something always breaks), then you’ll need to get it fixed before you can move on. If there’s a bad weather forecast, you can be pinned to one spot for days, or if there’s no wind, the same can be true.  

A Tiny Home  

Picture a room in your house. Now imagine this room has to accommodate your belongings, kitchen, bathroom, and office. Imagine spending 24/7 in this space with your significant other or your family. And imagine a moat surrounds this room, and one of the biggest things people notice when they visit is just how small the space is. Compared to a house on the land, a sailboat home can feel a little pokey!   

Beds tend to be small and are often strange shapes. Having a double bed that you can climb out of on both sides is a true luxury that only the most expensive sailboats can accommodate.   

The headroom on sailboats isn’t great either. It’s common to crouch down to reach certain parts of the boat, and by the end of your first week on board, you’ll wish you’d bought a helmet for the number of times you walk into things.  

Another big thing to get used to when living in a sailboat instead of a house is the amount of storage available. Downsizing is key, and after a few weeks on board, you’ll find yourself prioritizing tools and food provisions over clothes and other luxuries.  

Safety First  

When you live on a sailboat, the biggest consideration is always safety. It’s on the back of your mind no matter what you’re doing. All sorts of things can go wrong when you live in such a changing environment, from storms to fires.  

Sailboats are made to be safe, not homely! It’s important to stow things away when you’re finished with them. If you leave out that mug after finishing your cup of tea and a swell comes into the anchorage, you could end up with shattered ceramic all over your moving floor.  

Before every sail, you must perform a safety check of your engine and equipment. Carrying spares on board is a must, and chances are you’ll be performing surgery on your engine in the middle of a rocky sea more than once!   

If you have friends to stay it isn’t as simple as directing them to the toilet – you’ll need to show them how to pump out the toilet, for starters! But you’ll also need to give them a safety brief, showing them all the potential things that could go wrong and what you’ve got to prevent it!  

The Weather Rules  

One of the best and worst things about living on a sailboat is that you’re completely reliant on the weather.    

It’s incredible to feel so in tune with your environment after years of sitting in an office and not knowing if it’s sunny or rainy outside. You live outside, waking up with the sunrise and watching every sunset.   

You don’t realize how reliant you’ll be on the forecast until you live on board. If the wind is blowing a certain way, you might have to move anchorages to find shelter, or if there’s no wind, your plans to move on might be delayed. You can’t get off the boat if the wind is too high, so you might be stuck on board for days.  

A Simple Way Of Life  

The sailing lifestyle is about slowing down and simplifying life, which can have an incredible impact on mental health. The fast-paced land life melts away once you’re sailing offshore with the wind powering you and nothing but dolphins to distract you from the sound of the waves.  

Everything takes longer, and you learn to appreciate that. It feels more like surviving, but somehow that’s a good thing!  

Water isn’t freely available. You learn to make it last a long time by washing in the sea or the rain and washing up in salt water.  To get food, you often have to trek an hour to a local supermarket, where there are limited food options, and then lug it all back in your rucksack, into the dinghy, and back on board.   

You learn tips and tricks to make your sailboat provisions last longer and get back to cooking from scratch every night without takeaways and ready meals at hand.  

Power is limited to what you can make from the sun or wind, which often means no freezer and limited time on devices.    

Suddenly, long, hot showers feel like a luxury. Having easy access to a washing machine is something you crave! And as bad as that might sound if you’re reading this from the comfort of your own home, it does make you truly appreciate the little things you used to take for granted.  

Immersed In Nature  

One of the first days we had onboard looked a little like this…

We got up with the sunrise and drank our morning coffees in the cockpit, watching the kingfishers and gulls diving for jumping fish. Then we headed out for a sail and squealed in delight as a huge pod of dolphins danced in our bow waves. We arrived at a new anchorage and dived into Greece’s crystal clear waters to spearfish some dinner, which we later cooked on a campfire under the Milky Way. To end this perfect day, we took a midnight dip surrounded by bioluminescent algae.  

If you had told me this day wasn’t going to be a one-off, I wouldn’t have believed you. But living on a sailboat brings opportunities like this all the time, and you never get bored of it.  

Of course, the downside to this is the terrifying storms when you fear the boat may get struck by lightning or the days when it constantly rains and the hatches leak, and you can’t even turn the lights on.  

The summer brings a constant battle against mosquitoes and flies, and the winter greets you with freezing cold days under blankets. Somehow, though, as soon as you spot those dolphins, all the bad moments fade away.  

A Cheaper Way Of Life  

You may be wondering whether sailboat living is cheap.

Sailboat life can be a lot cheaper than living on land. People assume that owning a yacht makes you well off when you can pick up older, smaller sailboats for next to nothing if you’re prepared to do a lot of boat maintenance to get it up to scratch.  

We spend most of the year at anchor, and marina fees in Europe for a 38ft monohull tend to be around £400 a month over winter. So we can get away with our ‘rent’ costing an average of less than £200 a month over the course of the year.  

If you’re determined, you can sail to new destinations, which costs nothing. You can row to shore in your dinghy to save on petrol costs. You make your own power from the sun and wind.  

The expensive side to owning a boat is the sailing gear you need to invest in to make life on the water more comfortable. There are many ways to keep these costs down if you’re determined, like buying second-hand and making do without modern luxuries.  

Testing Relationships  

If you want to put your relationship to the test, buy a sailboat! You’ll be sharing a small space with your significant other, often unable to escape for days. Having some space will consist of moving 10ft away from them and putting on a pair of headphones!  

You will be entirely reliant on each other, sometimes for your lives. That might sound overdramatic, but when you live on a sailboat, that can, at times, be the truth. When problems occur at sea, you will only have each other to depend on, and you’ll need to work as a great team to keep yourselves, your boat, and your relationship safe!  

The wonderful thing about experiencing this life with the ones you love is that it can bring you so much closer. You learn to work together quickly. You learn to communicate well and resolve arguments swiftly, and the memories you make together will last a lifetime.  

So What Is Living On A Sailboat Really Like?

It is, for us, a life enhanced. It’s the extremes. The pure joy you feel when you complete a difficult passage and drop the anchor in a calm bay, the connection to your food when you catch a fish that you know will sustain you for several days, the exhaustion you feel after a rolly, windy night.   

Living on a sailboat is thrilling and boring; it’s peaceful and challenging; it’s freedom and responsibility.  

If you’ve finished reading this and you still aren’t sure what it’s really like to live on a sailboat, then I guess you’ll have to find out for yourself!  

About The Author Of “Living On A Sailboat: What It’s Really Like”

Emily Nancolas is an adventure-seeking travel fanatic who ran away to sea with her boyfriend three years ago. Since then, they have sailed Sicily and Greece, been locked down in a boatyard, nearly sank the boat (twice), and adopted a Greek kitten called Tiny Cat. Emily loves to write about her sailing lifestyle for new sailors and has released a complete guide on ‘ How to Run Away to Sea ’, which has helped numerous others start a life of adventure on the ocean.  

I hope you have enjoyed this post and now you know exactly what to expect from living at sea on a sailboat.

Just before you go, you may also want to check out this article about van life: 7 THINGS I WISH I’D KNOWN BEFORE LIVING IN AN RV .

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