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16 Charming Towns Where You Can Live on a Houseboat

By Manasa Reddigari

Posted on Jul 13, 2020 4:26 PM EDT

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Head for the Water

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Motivated by a desire to ditch their rent or mortgage payment, reduce their carbon footprint, or simply enjoy killer views and fresh air, some homeowners choose to swap their landlocked lodgings for houseboats. When they do, they flock to certain towns that, by virtue of their marinas, amenities, and attractions, are ideally situated for a floating existence. Whether you plan to live on your houseboat seasonally or become a year-round liveaboard, these towns offer everything you need to live your best life on the water. 

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Sausalito, California

Otis Redding famously sang of “sittin’ on the dock of the bay” in this Northern California town where more than 400 houseboats line numerous marinas and harbors. Sausalito sits on Richardson Bay, which has sheltered houseboats for more than a century, although the eye-popping pink, blue, and red counterculture icons the town is known for date to the postwar era. Today, houseboat communities like Galilee Harbor continue to attract an eclectic mix of residents. If you’re curious but not ready to commit to life on water, check out the Sausalito Floating Homes tour, held every September.

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Fort Washington, Maryland

Not surprisingly, this town overlooking the Potomac River, the fourth-largest river on the Atlantic coast, draws fans of the floating life who want to moor a mere half hour from the U.S. capital. The Fort Washington Marina is one of the most popular houseboat communities in the area. Sharp-eyed cinephiles might recognize it as the filming location for the 1950s Sophia Loren-Cary Grant flick “Houseboat.” Although the marina is open only from May through October, it offers houseboat owners more than 200 boat slips and new concrete docks for vessels up to 60 feet.

Portland, Oregon

Portland contains the largest houseboat community in the country, with some 1,400 floating homes in the area. Moorages run up and down the Columbia and Willamette Rivers, just a short drive to North Portland’s speakeasies and food carts. As a bonus, Oregon imposes no sales tax, so you’ll save a bit when you buy a houseboat.

Piermont, New York

With skyrocketing real estate prices in the Big Apple, some residents have headed 30 miles upriver to this village on the western edge of the Hudson. It’s become a hub for houseboat dwellers thanks to its proximity to bohemian lounges, art galleries, and restaurants, and its extensive pier overlooking Tallman Mountain. Some marinas, including Tappan Zee Marina, rent slips by the day, season, or all year.

Hot Springs, Arkansas

Although this southern resort town is best known for its natural geothermal springs, it’s also a hot spot for houseboat enthusiasts. Lake Ouachita, the largest in Arkansas, attracts vacationers who just want a floating hotel for a weekend as well as liveaboards who long for year-round views of the Ouachita Mountains and Ouachita National Forest. Brady Mountain Resort & Marina offers 650 boat slips, some of which accommodate boats up to 100 feet long.

Shasta Lake, California

Waterfalls, well-maintained trails, and a Mediterranean climate make the eponymous man-made lake in this Northern California haunt an ideal spot to stow a houseboat. At 4.6 million acre-feet, Shasta Lake is the largest reservoir in the state. As you’d expect, it offers a wealth of mooring points, but Bridge Bay Marina is noteworthy for its central location, easy access from the interstate, and slip rentals for transient as well as long-term visitors.

Page, Arizona

A portal to Glen Canyon National Park, the town of Page sees 3 million visitors each year, but it’s home to only 7,200 residents, among them a thriving community of houseboat dwellers on the 24.3-million acre-foot Lake Powell. The lake is lined with marinas, including Antelope Point, a Navajo-nation owned and operated marina rife with amenities. 

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Branson, Missouri

The country shows that line West 76 Country Boulevard transformed Branson into a top destination for music lovers. But it’s the 3.5-million-acre-foot Table Rock Lake that makes the mountain town in the Ozarks a hit with houseboat owners. The fishing- and paddleboard-friendly reservoir that hugs Table Rock State Park is home to a number of marinas, including the park’s own, which leases both transient and year-round slips to houseboat owners and offers amenities like a dockside restaurant and a store with boating essentials.

Demopolis, Alabama

The Tombigbee and Black Warrior Rivers played an important role in the history of Demopolis. The area was initially settled by French expatriates who later moved up the the Warrior River. Americans purchased the land they left behind and over time transformed it into a major river port and lumber town. Today, an impressive collection of houseboats moor at the juncture of these two rivers. The Demopolis Yacht Basin and other marinas welcome both seasonal houseboat dwellers and liveaboards, and offer easy access to nearby campgrounds, restaurants, and the town’s Greek-Revival-style house museums.

Fort Myers, Florida

The 156-mile Okeechobee Waterway, which extends from Fort Myers on Florida’s east coast to Stuart on its west, has long been a magnet for maritime enthusiasts. But while some are content to sit by the water watching the barges and private vessels bob along the cool currents, others prefer to be part of the action. For those who long to be on the water, the municipal marina, Fort Myers Yacht Basin, borders the downtown district and offers rental slips and docks for transients and liveaboards alike along with an on-site ship store and restaurants.

Brunswick, Georgia

The mainland port city of Brunswick, which is considered part of the Golden Isles of Georgia, was a booming shipbuilding center during World War II, producing 99 ships—primarily cargo ships—for the war effort. Today, the seaside town lures boating enthusiasts with three bordering rivers and an inland waterway. On the East River, marinas entice liveaboards with rare amenities like a dog park, yoga classes, and parties for every major national holiday.

Annapolis, Maryland

America’s sailing capital is an alluring anchorage for houseboat owners. Its attractions include the U.S. Naval Academy and the quaint row houses of Historic Annapolis as well the country’s largest estuary, Chesapeake Bay, and its famous lighthouses, maritime museums, and dock bars. If you need a place to berth your boat, Eastport Yacht Center and other full-service marinas located just off the bay rent out monthly and annual slips to transients and liveaboards.

Friday Harbor, Washington

Drop anchor in the waters off this seaside town, the commercial hub of the San Juan Islands, and you’ll be able to wake up to the sight of majestic whales and orcas as well as enchanting old-growth trees. Year-round, you can park floating pads up to 80 feet long at the Port of Friday Harbor, in close proximity to area galleries, ship stores, and theaters.

Hilton Head Island, South Carolina

In this resort town and barrier island off South Carolina’s coast, houseboat enthusiasts can hop off their vessels to explore diverse ecosystems ranging from beaches to salt marshes, inhabited by white-tailed deer, the occasional alligator, and birds like the great blue heron. While you’re getting the lay of the land, moor your houseboat at area facilities like the Palmetto Bay Marina, the town’s oldest, which offers both transient and long-term slips.

Corpus Christi, Texas

This seaside community overlooking the Gulf Coast not only boasts sandy beaches and endangered species like the Kemp’s ridley sea turtle, but also has the only major downtown marina on the state’s coast. The marina is just a skip away from area restaurants, museums, and nightlife, and it offers 560 slips, open to both transients and liveaboards.

Huddleston, Virginia

Virginia State Parks via Flickr.com

Although home buyers targeting Huddleston can choose from quaint cottages and vacation retreats overlooking Smith Mountain Lake, the best views of the 1.1-million-acre-foot reservoir dubbed the “Jewel of the Blue Ridge Mountains” may be from the lake itself. Such prime water views can be yours if you dock a houseboat at one of the lake’s many marinas, including Mitchell’s Point Marina & RV Park, which offers year-round docking leases. If you’re struck by a sudden longing for land, just head to the north shore of Smith Mountain Lake for a picnic or hike along miles of trails.

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Living On A Houseboat: The Pros and Cons

*This post may contain affiliate links. As an Amazon Associate we earn from qualifying purchases.

If you just recently purchased a houseboat or are in the market for one you have probably heard about people who live on their boat full time. The people who do this (often known as liveaboards) are a special breed. 

Living on board a boat certainly isn’t for everyone but if it’s something you have considered or simply want to know more about than this article is for you! In this article I will list the pros and cons that you will experience while living on your houseboat. 

Hopefully knowing some of the pros and cons will help you make a more informed decision or just help you have more information at your fingertips. 

Benefits Of Living On A Houseboat (The Pros) 

1.saving money.

Living on board a boat will often be far cheaper than renting or owning a traditional home. There will be less expenses and the original purchase price is often far cheaper than what you could ever purchase a house for. 

Not only will you save money on the purchase but you will also save money on the monthly expenses. That is of course assuming you aren’t paying a normal dock fee for every night. 

With a traditional home you will have to pay for gas, electricity, water, property taxes, homeowners insurance, and more. 

With a houseboat you will often only have to pay for the fuel for the boat/generator, the water (assuming you don’t have a system that will pull it from the lake or river) and boat insurance, and yearly registration. You can often save multiple hundreds of dollars a month by living on board than you would renting a home. 

2. Leisure At Your Fingertips

This one could be a pro and a con to be honest. If you are retired then being able to fish from your couch is probably an amazing benefit. If you are still working, whether from home or a normal 9-5, it will be difficult to have to tear yourself away when the fish are really biting or the scenery is particularly beautiful. 

Being able to enjoy amazing views from your windows and deck is one of the biggest pros of living on a houseboat . Having your everyday life feel like you are on vacation while also saving money? Who doesn’t want that?

That leisure does come at a cost however. You will certainly become quite spoiled with your daily views and visiting other people for the holidays will make you want to go back to your home on the water! 

All kidding aside being on vacation 365 days a year is one of the biggest attractions for people that choose the houseboat life. 

3. Less Upkeep

Now don’t get me wrong, of course things will break on your houseboat and need repaired just like with a traditional home. One of the big reasons a houseboat doesn’t require as much upkeep is that there are less things to break! 

With a house you have all sorts of integral systems that can be quite complex to repair. On a houseboat those systems are often quite simple. 

For example your septic system in a house can get tree roots that grow into it causing you to have to hire someone to dig up your yard. With the septic on a houseboat it all goes to one tank and then just has to be pumped out at a marina. 

Another thing that keeps the upkeep down on a houseboat is simply the size. With many houses running into the thousands of square feet and an average houseboat only being a few hundred it’s quite obvious that you won’t have to do as much work on a smaller property. 

Even if something needs painted or stained it’s only a small amount of square feet that needs it instead of thousands with a house!

4. Less Cleaning

Just as mentioned above with upkeep since there is a much smaller area that you will live in the cleaning that needs done will be much faster and easier too. Of course you will still have dishes, laundry, etc. to do but carpet vacuuming, window washing, and even dusting will be far easier with the smaller vessel. 

Since you are living on the water most of the items on board will probably be a lot easier to clean than traditional furniture pieces or kitchens. Nothing beats saving time on cleaning and watching the sunset or fishing instead! 

5. The Great Community 

If you’ve never been a part of a boating community you probably looked at this benefit and thought I ran out of things to write lol but this is actually a huge plus. Having a group of people that you regularly dock with means you can easily make friends no matter where you stop. 

Whether you are there for a few days or a few months you will be sure and find many like minded people who love boating and can help you with the best things to do and places to go in each new area you visit! 

The Negatives Of Living On A Houseboat (The Cons) 

1.the size .

Size really is everything nowadays and living aboard a houseboat means downsizing especially when compared to most modern sized homes. With many people’s homes running 2,000-3,000 sq foot and larger downsizing to a houseboat that is 5-600 sq ft can be quite a shock. 

If you are downsizing that much you will have to embrace the minimalist lifestyle. The last thing you will want to do is be mad or upset about getting rid of your stuff or to feel cramped in a houseboat. 

2. Only Live On The Water

This can certainly be a pro or a con but for the sake of argument I will put it in with the cons. Living in the water can certainly be amazing but one drawback is you almost HAVE to stay on the water or near it all of the time. 

Most people who live on a houseboat won’t have a car so every place they do will have to be close to the water or they will have to pay for a taxi or Uber. That will seriously limit the places you can visit in each town you dock at. 

Unfortunately it isn’t like an RV where you can tow your vehicle and unhook when you want to visit places away from shore. You either walk or pay for a ride. 

3. The Weather

Living on a houseboat you are susceptible to all of the whims of the weather where you are at. If you are planning on boating down the Mississippi but it is closed because of flooding, all you can do is wait. 

If there is a major storm headed to your location you will often have to leave the boat and find a safe shelter. Moving your houseboat to safety sometimes isn’t possible and even if it is possible it’s guaranteed to be quite a hassle. 

Another thing you have to deal with or plan around is the cold. Living on a houseboat when it is below freezing is absolutely NO fun so avoiding the cold is a great plan, but what if a cold front quickly blows in? You have to figure out how to deal with it or move your boat unnecessarily anytime a cold front might pass through. 

4. Holiday season 

Around the holidays people will often have family and friends come over for parties etc. When you live on a houseboat that is difficult if not impossible as there isn’t much room for family to gather and being on the move can make it difficult for people to plan to visit you. 

Granted being in a warmer location for the holidays can certainly be nice but having a bunch of people on a 500 sq ft boat isn’t many people’s idea of a good time. 

5. Doesn’t Work Well With Families 

Unless you are retired than living on a houseboat can be difficult for anyone with a family. Not only will you not have much space for your family to spread out but you will also have to worry about your kids getting wet all the time. 

Imagine trying to get the kids ready for school while having to worry about those that are already ready playing in the water! Not only is the kids playing in the water or getting dirty an issue but if there are still one or two adults working a 9-5 job that can also cause issues as there normally isn’t much parking nearby. 

Living on board a houseboat can be great for retirees or single people but living on board with a family won’t be ideal. It can quickly wear on everyone’s nerves and once everyone starts getting annoyed with each other it can go downhill fast! 

Living on a boat has many more pros and cons than just the ones mentioned here but I hope the ones I have listed will help you with making the decision for you and the ones you love. 

As Always, 

Happy Boating

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Matthew Robbs

I love the outdoors and especially spending time with my family. Whether on a boat or at the beach, my happy place is near the water.

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Living on a Yacht: Weighing the Pros and Cons of a Luxury Lifestyle

Explore the dream – and the realities – of Living on a Yacht, offering insights into the freedom and challenges it entails. From financial considerations and space optimization to the impacts of weather and community aspects, it provides a balanced view to help readers make an informed decision about this unique lifestyle.

Imagine the gentle sway of waves, the endless horizon of the sea, and the allure of waking up to a different view every morning. This isn’t a holiday brochure; it’s the possibility of your new life on a yacht. It’s a dream for many, but what does it truly entail? In this exploration, we delve into the reality of yacht living. It’s not all sunsets and sea breezes. Like any home, a yacht has its charms and challenges.

For those in their prime years, considering a shift from a traditional home to a yacht is more than just a change of address. It’s a lifestyle overhaul. We’re not just talking about a snug living space or the need to be a Jack-of-all-trades at sea. It’s about embracing a unique blend of freedom and responsibility.

Our journey through this blog post is not just about painting a rosy picture. It’s about providing a realistic lens through which you can view this significant life decision. We’ll explore how this choice fits into your life puzzle, whether you’re an adventurous soul seeking the thrill of the open seas or a contemplative mind looking for serenity away from the land’s hustle.

As you read through, remember, every big decision comes with its highs and lows–like the tides. Yacht living is no exception. So, let’s set sail on this exploratory voyage to uncover what lies beneath the surface of living on a yacht.

The Allure of Yacht Living

The concept of yacht living taps into a deep-seated desire for freedom, an intimate connection with nature, and a sense of belonging within a unique community. Living on a boat isn’t just about the physical space you inhabit; it’s about the lifestyle and experiences that come with it. From the flexibility to cruise to new locations on a whim to the close-knit marina communities, yacht life offers a distinct way of living that is both challenging and rewarding.The 

The Freedom and Flexibility of Location of Luxury Yacht Living

One of the most enticing aspects of living aboard a yacht is the sheer freedom it offers. Imagine having the ability to change your scenery whenever you wish. Whether it’s anchoring in a secluded bay or docking at a vibrant marina, your home is as mobile as you desire. This flexibility allows for a life unbound by the traditional constraints of geographical location.

Sailing from one destination to another, you’re not just moving your home; you’re embracing a lifestyle that allows for spontaneous adventures and experiences. The freedom to explore coastal towns, hidden coves, and open seas is unparalleled. This nomadic way of life provides a sense of liberation and adventure that is hard to find in traditional living arrangements.

Proximity to Nature and Unique Living Experiences

Living on a yacht brings you closer to nature in a way that few other lifestyles can. The rhythm of the waves, the panoramic ocean views, and the ability to witness marine life up close become a part of your daily life. This connection to the natural world is not just visually stunning but also offers a sense of peace and tranquility.

The unique living experiences that come with yacht life are endless. From waking up to the gentle lapping of waves against the hull to enjoying sunsets over the water every evening, these experiences enrich life aboard. Each day presents an opportunity to create unforgettable memories, whether it’s swimming in crystal-clear waters, fishing for your dinner, or simply enjoying the serenity of the sea.

Overview of the Sense of Community in Marinas and Sailing Circles

One might think that living on a boat could be isolating, but the reality is quite the opposite. Yacht marinas and sailing communities are often vibrant and welcoming. When you dock or anchor your yacht, you’re not just stopping at a place; you’re becoming part of a community. These communities are characterized by shared experiences, mutual assistance, and a common passion for the sea.

Life in a marina is rich with social interactions. Fellow liveaboards and sailors form a tight-knit community, often gathering for shared meals, group excursions, or simply exchanging stories and advice. This camaraderie is a significant part of the allure of yacht living. The sense of belonging is palpable, as everyone shares a common understanding of the joys and challenges of life at sea.

The community extends beyond the physical confines of the marina. Sailing circles worldwide are connected by a shared love for cruising and exploration. Whether it’s through organized regattas, informal meet-ups, or online forums, these connections foster a sense of global community. Sailors often form lasting friendships, bound by their shared experiences and adventures at sea.

Marinas often host events and activities that further strengthen these bonds. From educational workshops to social gatherings, there is a sense of collective growth and enjoyment. Living at a marina or being part of a sailing community isn’t just about having a place to dock your boat; it’s about being part of a supportive and engaging network that enriches your life aboard.

If you’re considering taking this step into yacht life, you may want to consider a test run. Charter a private yacht and try this lifestyle out for yourself. You may even decide you prefer renting over buying. Rent one model today, and then — when your mood or plans change — change the yacht for rent.  You don’t have to commit right away, this isn’t a marriage, it’s a yacht. 

Space and Design: Adapting to Yacht Interiors

Transitioning to live on a boat full-time introduces a unique set of challenges and opportunities, particularly when it comes to space and design. Yacht interiors, whether in a luxury yacht or a modest sailboat, require thoughtful planning and clever solutions to make the most of the available space. This section delves into the art of maximizing space, the crucial role of organization, and the myriad ways you can personalize your floating home.

Maximizing Limited Space: Innovative Design Solutions

The key to successful boat life lies in efficiently utilizing the limited space. Every square inch on a boat counts, and making the most of this space is vital for comfortable living. Design solutions often involve multi-functional furniture, such as beds with storage underneath, foldable tables, or convertible seating areas. These innovations allow for a practical living environment without sacrificing comfort or style.

Another aspect is the strategic use of vertical space. Wall-mounted shelves, hanging organizers, and overhead storage can free up valuable floor space. In a sailboat, for example, the interior can be designed with built-in storage in unexpected places like under the stairs or in the hull. This approach ensures that every part of the boat is utilized effectively.

The type of boat also plays a role in how space can be maximized. For instance, catamarans typically offer more living space compared to monohulls, making them a popular choice for those looking to move aboard full-time. Regardless of the boat type, the goal is to create a space that is both functional and comfortable.

The Importance of Efficient Organization When Yachting

Living on a boat full-time demands a high level of organization. The limited space means there’s little room for clutter, making it essential to keep everything in its place. Efficient organization not only makes life on board more comfortable but also ensures safety when the boat is in motion.

Organizational strategies include using containers and baskets to keep items secure, labeling storage areas for easy access, and regularly decluttering to avoid accumulating unnecessary items. This discipline in organization extends to all aspects of boat life, from the kitchen and living areas to personal belongings and maintenance tools.

Boat insurance policies often require certain safety standards to be maintained,

and a well-organized boat is more likely to meet these requirements. Keeping equipment properly stored and accessible can be critical in emergencies. Additionally, an organized interior can help in reducing the overall cost of living on a boat, as it prevents damage and loss of items, which could be costly to replace.

Customization Options for Personalizing Your Space

Turning a yacht into a home involves more than just functional adjustments; it’s about infusing your personality into the space. Customization allows boat dwellers to create an environment that reflects their style and preferences, adding to the enjoyment of luxury yacht living.

Personalizing a yacht interior can range from choosing color schemes and fabrics to selecting artwork and – perhaps – some nautical-themed decorative items . Many boat owners opt for a full tour of customization, tailoring each aspect of the yacht to their liking. This could include custom-built furniture, unique lighting fixtures, or bespoke floorings, such as teak or bamboo.

For those living on a sailboat, customization might mean optimizing the layout for sailing efficiency while also creating a cozy, livable space. This could involve installing custom cabinetry that fits the boat’s contours or adding personal touches like cushions and throws that make the space feel like home.

Customization also extends to technological upgrades. Modern yachts can be equipped with advanced navigation systems, entertainment setups, and climate control, enhancing the overall experience of boat life. These modifications not only add comfort but also can increase the boat’s value.

In essence, adapting to yacht interiors is a blend of practicality, organization, and personalization. Whether you’re planning to move aboard a sailboat or a luxury yacht, these elements work in harmony to create a living space that is not just functional but truly feels like home.

Climate Considerations When You Live on a Boat Full-Time

The climatic conditions of the chosen residence place or travel route are not the most obvious factor which must be noted. Being in a city apartment or a private house, we don’t think much about the weather outside the window. If a strong wind blows outside, heavy rain falls or the temperature suddenly drops, we will feel almost nothing.

On a yacht, the weather does not just play an important role, your safety and comfort directly depend on it. Each boat is individual and suitable for certain climatic conditions. It is worth analyzing all the characteristics of the boat in advance and honestly evaluating its capabilities in order to accurately determine whether it is possible to  live on a yacht all year round in your chosen water area.

Financial Considerations: The Cost of Yacht Life

Embarking on the journey of yacht life involves more than just adapting to a new way of living; it also requires a clear understanding of the financial implications. While it’s easy to romanticize the idea of sailing around the world or living full-time on a boat, the reality comes with its own set of financial responsibilities. From the initial purchase of the boat to ongoing expenses and the comparison to traditional homeownership, understanding these costs is crucial for anyone considering this lifestyle.

Initial Investment: Purchasing and Outfitting a Yacht

The first step in yacht life is acquiring the right boat. This involves not only finding the best boat that suits your needs but also managing the financial investment it requires. The cost of a new boat can vary widely, depending on factors such as size, brand, and features, some of which we covered above. Choosing to live on a larger boat or a luxury cruiser naturally involves a higher initial investment.

In addition to the purchase price, outfitting a yacht for full-time living is a significant consideration. This may include upgrading boat systems, adding navigation equipment, and customizing the interior to make it livable. Even if you opt for an old, more affordable boat, it could require substantial investment in renovations and upgrades.

Furthermore, acquiring the necessary knowledge and skills for yacht maintenance and sailing is part of the initial investment. This might entail sailing courses, safety training, and learning about the nautical aspects of yacht care.

Ongoing Expenses: Maintenance, Docking Fees, Insurance

Once you own a yacht, the financial commitments continue. Boat maintenance is an ongoing requirement and a crucial part of life aboard. The yacht owners will need knowledge and skills to keep the yacht in good condition. Regular upkeep ensures the safety and longevity of your boat. This includes everything from engine maintenance to hull cleaning and can vary greatly in cost, depending on the age and condition of your boat.

Docking fees are another significant expense, especially if you choose to stay at marinas. The cost can vary based on location and the services offered. Additionally, a dinghy might be necessary for transportation to and from the shore, adding to the expenses.

Insurance is an essential consideration for any boater. Boat insurance policies can be complex and vary greatly in coverage and cost. It’s crucial to have a comprehensive policy that covers potential damages and liabilities, especially when living on a boat full-time.

Comparing the Cost of Living to Traditional Homeownership

When contemplating yacht life, it’s common to wonder if you’ll save money compared to traditional homeownership. The answer depends on various factors, including the type and size of the boat, the chosen lifestyle, and where you plan to dock or anchor.

Annual costs for yacht living can include maintenance, insurance, docking fees, and fuel, which can be comparable to or even exceed the costs of owning a home. However, some expenses, like property taxes and certain utilities, may be lower or non-existent.

It’s also important to consider the value of the experience and lifestyle when comparing costs. Yacht life offers a unique set of experiences and freedoms that traditional homeownership cannot provide. While the financial aspect is crucial, the decision to live on a yacht often goes beyond mere economics.

Living on a boat full-time can also mean a shift in priorities and lifestyle choices. For some, this means downsizing and simplifying life, which can lead to reduced overall living expenses. However, for others, particularly those choosing a luxury yacht or a larger boat, the costs can be comparable to or even exceed those of a high-end terrestrial home.

Challenges and Downsides of Full-Time Living on a Boat

Living on a yacht presents a unique set of challenges and downsides that are important to consider before making the leap into this lifestyle. While the idea of living on a boat may evoke images of endless sunsets and tranquil waters, the reality can be quite different. Factors such as weather dependency, limited access to facilities, and the psychological impacts of isolation and confined spaces play a significant role in day-to-day life on a yacht.

Weather Dependency and Its Impact

One of the most significant challenges of living on a yacht is the constant need to be mindful of the weather. Your entire life becomes closely tied to weather conditions, which can change rapidly and without warning.

• Safety Concerns : Severe weather can pose serious safety risks. Being caught in a storm while at sea can be dangerous, and even when docked, high winds and waves can cause damage to your yacht.
• Lifestyle Adjustments : Daily activities and travel plans often have to be adjusted according to the weather. This can mean being stuck in a location longer than planned or missing out on certain experiences.
• Constant Vigilance : Living on a yacht requires a high level of awareness and knowledge of weather patterns. This can be mentally taxing, as one always needs to be prepared for the possibility of changing plans or taking emergency precautions.

Remember the old saying, “Red sky at night, sailors delight. Red sky in the morning, sailors take warning!”

Limited Access to Certain Facilities and Services When You Live on a Yacht

Another downside of yacht life is the limited access to facilities and services that are often taken for granted on land.

• Healthcare and Emergency Services : In remote areas, access to healthcare and emergency services can be limited or delayed. This can be a concern for those with medical conditions or in case of accidents.
• Utility Services : Services like high-speed internet, electricity, and plumbing work differently on a yacht and may not always be reliable. This can affect both work and daily living.
• Convenience and Shopping : Getting groceries or finding specific supplies can be challenging, especially when anchored away from urban centers. This requires careful planning and often means you can’t have everything you want when you want it.

Dealing with Isolation and Confined Spaces When Living Aboard a Boat

The psychological aspects of living on a yacht are often overlooked, yet they are crucial for a sustainable life at sea.

• Isolation from Society : While some seek solitude, prolonged periods of isolation can affect mental health. Being away from family, friends, and the wider community can lead to feelings of loneliness.
• Small Living Quarters : The confined space of a boat can be challenging, especially for those used to larger living spaces. It requires adjustments in both physical belongings and mental preparedness for close-quarters living.
• Cabin Fever : Spending extended periods on a boat, especially during bad weather when you can’t leave, can lead to a sense of restlessness or cabin fever. This is where the small space and isolation can compound to impact mental well-being.

While living on a yacht can be an incredibly rewarding experience, it’s important to acknowledge and prepare for the challenges and downsides. Understanding the realities of weather dependency, limited access to amenities, and the psychological effects of isolation and confined spaces is crucial for anyone considering making a boat their home. These factors are integral to life at sea and require careful consideration and planning to ensure a fulfilling and sustainable lifestyle on the water.

Summary and Key Takeaways

Living on a yacht is a dream many aspire to, but it’s essential to approach this lifestyle with a well-informed perspective. This article has journeyed through the various facets of yacht living, weighing both its enchanting appeal and the pragmatic realities.

Recap of the Pros and Cons

• Pros : The freedom to explore new horizons, the intimacy with nature, and the unique sense of community in marinas and sailing circles are among the most compelling benefits. The ability to customize your living space and the adventure that comes with a nautical lifestyle are undeniably attractive.
• Cons : However, these benefits are balanced by challenges such as weather dependency, limited access to facilities and services, and the psychological impacts of living in confined spaces. Financial considerations, including the initial investment and ongoing maintenance costs, are significant.

Making a Well-Informed Decision

Deciding to live on a yacht should not be made lightly. It’s a decision that requires thorough consideration of both the financial implications and the lifestyle changes. Prospective yacht dwellers should research extensively, speak with experienced individuals, and realistically assess their readiness for such a commitment.

Final Reflections on Embracing the Yacht Lifestyle

For those who find the allure irresistible, yacht living can be incredibly rewarding. It offers a unique way of life that blends adventure with simplicity, freedom with responsibility. If approached with careful planning and realistic expectations, living on a yacht can provide an enriching and fulfilling experience.

Please note that the information provided in this article is for informational purposes only and should not be considered professional advice. Prospective yacht owners are encouraged to consult with qualified professionals for specific advice related to legal, financial, and practical aspects of living on a yacht.

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• On the Market

Inside a $5.5M Floating Mansion in Miami

Released on 11/04/2019

[upbeat music]

Welcome to South Beach, Miami.

My name is Marius Koller.

I am the co-founder of House Yacht Living,

and we are at the Arkup.

What is it, a house or a yacht?

Well, you can certainly call it a house yacht,

or we call it a floating villa,

but it is truly the first livable luxury

sustainable yacht in the world

which is independent of electricity and water.

We have 119 solar panels on the roof,

and we can store 182 kilowatt in our battery packs,

which is sufficient for the electricity,

for the air condition, also to drive this yacht

and for all the hydraulic system.

What also makes it one of the kind in the world is,

right now it's lifted.

I can push a button

and we can right now go about another 18 feet,

which would truly help in the case of a hurricane,

and we also have hurricane impact windows

that have been done by code up to 155 miles an hour.

It makes it truly not just beautiful but also safe.

The Arkup is 4,350 square feet of living space.

It has four bedroom, four and a half bath,

and sleeps very comfortable eight people.

So this house yacht is on the market for $5.5 million.

And this is the ultimate outside living area.

So you can actually have alone 55 people

alone on the outside sliding deck.

The best part of it, when we drive it,

we actually fold the side glasses down

and the entire deck slides right into the hull.

So the extendable deck gives you another 12 feet

on 455 square feet of living space.

Here's one of the four piling systems which are responsible,

the entire yacht can be lifted above water,

so we are stable like a house.

Here we are in the back on the boat.

This is a lifting platform which can go down to the water

in case you wanna go for a swim

or being picked up by a tender boat.

And right after you get off the jet ski,

very convenient, an outdoor shower.

So on a yacht it would be the galley, right,

but as you see we have a full size kitchen.

We even have an amazing wine cooler here.

Double fridge.

It's really all high-end luxury finishing as well

at the same time.

While you cook, prepare the food,

you also can enjoy the view,

at the same time entertain your friends.

So, I think this is really one of the best parts.

Right next door here, we have an optional fourth bathroom,

watch those pocket doors.

In case you have your crew, captain, maid or butler,

we also have some bunk beds installed here,

so that the owner of the yacht

actually can have and keep his complete privacy

So we also have a full-sized bathroom out here,

and now let me show you the outside area.

All right, here might be the best piece of the yacht.

Everybody thinks it's the barbecue, but it's the hub.

This is where you drive it, obviously.

This is responsible for the hydraulics,

so why we are so stable like a house.

So we could raise ourselves up

about another 18 feet right now.

Like on any other yacht, we have the bow thrust.

We can give some gas,

in this case it would be solar electric.

We have here the energy.

We can here measure how much is being stored

in the batteries and how much we're using at the same time.

All right, only a few steps into the living room,

but the view's continuing forever.

Obviously the yacht is unfurnished.

We have chosen our defacto to have all the furniture

customized in Brazil.

We also have a surround system,

and this is a really comfortable area to hang out.

And it's really unbelievable

when you take this yacht for a spin and it's moving,

that you actually really can just sit here

and enjoy the view.

So, I would like to point out,

because this is innovative architecture of the future,

that the architects received Innovation Award

by the French American Chamber of Commerce,

the Green Award by the Miami Chamber of Commerce,

and even the golden key to the city.

I would like to mention that we have additional storage here

and also an additional half bath

and a full-size washer and dryer.

As I mentioned, no water and electricity bill here either.

When you purchase this yacht fully furnished

we will include this beautiful piece by Hamilt Naguara.

It reminds us how close the beach is actually from here.

So, great piece to have.

We call it the VIP suite, also very spacious room,

floor to ceiling windows, has a private terrace,

and a little desk you can work on.

Also here, you can hang out probably all day.

All right, here another spacious bathroom,

double sink, rain shower, and I think the inspiration

of the colors all matching the beach

and the lifestyle here we experience in Miami.

Welcome to the master bedroom.

In case you have enough of the sun,

then obviously we can change the view as well.

Pretty spacious, you have your own desk in there,

you have a bathtub.

In the living room you have nine foot high

floor to ceiling windows,

and I think the view speaks for itself.

I think you can just hang out here all day if you like.

So, this is the master bathroom.

Obviously, pretty spacious,

something you usually don't see on a yacht.

Double sink, everything inside is custom.

Double rain shower, a lot of natural lights.

I think this is definitely a dream bathroom.

Right off the master suite you have this beautiful terrace.

By the way, we are actually just a few

walking distance from all the craziness,

nightlife and restaurants, five minutes to the beach,

while we are here at the edge of the marina

and can just enjoy the view or go fishing.

Thanks for coming.

I'm glad you were able to see the Arkup house here.

Four bedroom, four and a half baths,

sleeps comfortable eight,

and probably another hundred of your friends

fitting on it as well.

This is true house yacht living.

It's on the market for $5.5 million.

For more information go on houseyachtliving.com.

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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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