buying a liveaboard sailboat

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5 Best LiveAboard Sailboats – Plus 8 Important Buying Considerations

CATALINA 30

Taking the plunge to live on a sailboat is usually a huge decision, especially as living aboard a boat is an exciting lifestyle choice. However, there are lots of things to consider before buying a boat that will suit your needs and also be nearly as comfortable as a traditional home on land.

Whether this is your first time choosing a liveaboard sailboat, or you want to upgrade to a better option, you will find useful information in this article. But before we get into the best liveaboard sailboats and how to choose one, let’s see why living aboard a boat is a great lifestyle choice.

We’ve reviewed some of the best liveaboard sailboats and listed them here to help you choose one that will suit you most.

5 Best LiveAboard Sailboats

Islander 36.

The Islander 36 is the boat for you if you want a well-rounded sailboat with impressive cruising abilities. With close to a thousand of these boats built between 1973 and 1986, the model is one of the successful and best-selling boats of the company.

These sailboats are renowned for their well-adorned cabins, with many featuring exquisite wooden interior trim. Typically, the interiors are spacious and feature a long port and starboard settee. The settee is designed to fold out into a double berth for sleeping. There is also a nav station to port with a quarter berth at the back that forms an extra seat. The boat also has a spacious master berth with an enclosed shower, making this boat one of the best liveaboard sailboats for cruising.

The interior also features plenty of drawers, plus many caned and louvered lockers. The L-shaped galley is to starboard and equipped with an icebox (that can be upgraded to a refrigerator). It also comes with a three burner LPG stove and a double sink.

Perhaps the most eye-catching feature of the interior is the companionway steps that are easy to maneuver. This is by far better than having ladders, as the steps can serve as additional separate seats when you have guests onboard.

The amount of fuel the boat’s tank can take is ideal for coastal cruising. Although Islander 36s can embark on extended trips, you will need to get additional jerry cans for that purpose.

You can check here for pricing and listings .

• LOA:   36 ft
• Beam:   11 ft 2 in
• Ballast:  5450 lbs
• Displacement:  13,450 lbs
• Sail Area:  612 sq ft
• Fuel Tank:  30 gallons
• Water Tank: 56 gallons

 Boats  →

If you are looking for a boat that is tough to beat feature-for-feature and size-for-size, perhaps this model will be of interest to you. Designed for comfort and performance, the Catalina 30 is arguably the most common production cruising sailboat to ever grace the open waters. Despite coming into the market as far back as 1972, their popularity to date is a glaring proof of high performance.

You can expect to find spacious accommodation in this 30-foot sailboat with modern features such as a fully equipped galley and electric pumps that supply running water. The layout features a “suite” style with a V-berth master bedroom that is closed off from the rest of the cabin.

The Catalina 30 also features a dinette that can also serve as a workspace or chart table. The boat also includes an enclosed shower and head, which makes living aboard a comfortable experience.

Check out listings for Catalina 30 here .

• LOA:   29 ft 11 in
• Beam:   10 ft 10 in
• Ballast:  100 lbs
• Displacement:  10,200 lbs
• Sail Area:  446 sq ft
• Shoal Draft: 4 ft 4 in
• Head Room: 6 ft 3 in

 Yachtworld  →

Weatherly, comfortable, spacious, and fast – these are what readily comes to mind when you think of the Nordic 40 .

This large sailboat is perfect for long-distance voyages, so if you intend to buy a boat that will offer excellent accommodation for offshore cruising, you know where to look. Thanks to its large structure, the interior is extremely spacious, making it the perfect choice for couples who want to spend more time aboard a boat.

The standard Nordic comes with top-notch equipment, including a Navtec hydraulic vang and Navtec rod rigging, plus full hull insulation in the entire interior. There is standing headroom available throughout, along with a spacious master bedroom.

The galley is fully equipped with modern facilities and allows for comfortable living. With the standard Nordic 40, there is no worry about storage space. Remote living is a walk in the park with this boat, even if you intend to anchor out for a couple of months at a stretch with enough supplies and provisions.

Keep in mind that these boats are not very common, but if it is the type that appeals to you, it is worth searching out.

Check out listings for Nordic 40 here .

• LOA: 39 ft 9 in
• Beam: 12 ft 5 in
• Ballast: 7,091 lbs
• Displacement: 18,000 lbs
• Sail Area: 756 sq ft
• Water Tank: 120 gallons
• Fuel Tank: 56 gallons

Thinking about taking your entire family for a coastal cruise or even a near-offshore cruising experience? Consider the Hunter 33 , one of the best liveaboard sailboats equipped for such purposes.

One of the longest-lived boats in its category, the Hunter 33 came into the market in 1977 and is still in production to date. The mid-sized sailboat comes with great interior accommodations, with ample room for sleeping and sitting. It comes with two private cabins, which is great for a 33-foot sailboat.

It features a shower and toilet aft the master bedroom. Plus, there is a full dinette and standing headroom throughout the cabin.

In a nutshell, this the perfect sailboat for those moving up in size and want a great boat with modern conveniences for an extended cruising period.

Check here for detailed listing and pricing .

• LOA: 33 ft 6 in
• Beam: 11 ft 6 in
• Ballast: 3,579 lbs
• Displacement: 11,016 lbs
• Sail Area: 625 sq ft
• Water Tank: 50 gallons
• Fuel Tank: 25 gallons
• Headroom: 6 ft 4 in

The Nor’Sea 27 is an excellent choice if you are single or searching for the best liveaboard sailboats for minimalists. This boat is arguably the best compact liveaboard cruiser available in the market today.

The compact boat has a surprisingly spacious interior for a 27-footer. Plus, it features almost every amenity you can find on a larger boat.

For comfort, the small sailboat feels more like a Catalina 30 and comes with a galley, shower, toilet, and two bunks below the cockpit. The forward berth also serves as a dinette.

The design of the sailboat is a huge success and has found a pretty strong following, which explains why it is still in production to date despite hitting the market long ago in 1976. As expected, the little sailboat costs less in slip fees. But the best part is that you can tow it on a trailer, and that’s all legal.

Don’t be fooled by its size, though. The Nor’Sea 27 isn’t cheap. Prices for new ones start from around $150K (with kits starting anywhere from $35K). You find used ones for as little as $15,500 or as much as $95,000 depending on age, quality of finish, and condition.

Find out current listings and prices here.

• Ballast: 3,100 lbs
• Displacement: 8,100 lbs
• Water Tank: 20 gallons
• Fuel Tank: 20 gallons

How to Choose the Best LiveAboard Sailboats – Buying Guide

There are several things to consider when choosing a liveaboard sailboat, but perhaps the most important factor is the level of accommodation that will suit your need. A boat with useful features such as a fully functional kitchen or electric toilets are well and fine, but many traditional sailors don’t really care about limited amenities. Any stripped-down sailboat with basic interior would do just fine.

Most sailors are generally okay with any standard live about sailboats constructed after 1970 since these types typically have adequate ventilation , a usable kitchen, head, and shower. But whatever your preferences, you can be sure you will find something that will provide the level of comfort you need in most modern sailboats.

Here are 8 important factors and requirements we think are crucial when choosing the best liveaboard sailboats.

1. Standing Headroom

There’s nothing wrong with spending a couple of days in a week aboard a boat without standing headroom. However, if living aboard a sailboat is a lifestyle choice for you, consider one with standing headroom. Your body is not meant to crouch or crawl for months or years on end. With time, your back and other muscles will start to take a hit. For your overall health and wellbeing, it is best to choose a sailboat with standing headroom. Our recommendation is 5-feet 10-inch standing headroom or something within that range.

2. Basic Kitchen Facilities

A liveaboard boat without a kitchen can only mean one thing: you will be eating out every single day! While this is okay for some people, others will prefer to cook their own meals at least once in a while, regardless of their culinary skills.

We think a kitchen is a must-have for the best liveaboard sailboats, even if it doesn’t have all the modern facilities. Basic kitchen facilities should include a refrigerator or icebox, a sink, and a stove. If you find one with an oven, that’s a plus, too!

3. Toilet with Plumbing

The fastest way to spread diseases when you liveaboard a boat is to have improper human waste storage and disposal system. Sanitation facilities are among the top considerations when choosing the best liveaboard sailboats.

Using a porta-potty all year long is definitely out of the question. Besides, no one would like to live on a stinky boat or have guests come over a smelly abode. When you choose a liveaboard sailboat, look for one with a built-in and properly outfitted toilet. It should also have a safe sewage storage tank with a proper disposal system.

Many liveaboards prefer to use gym or marina facilities instead of their onboard showers. This is okay, but it doesn’t eliminate the need for bathing facilities on board. Choose a sailboat with a shower for convenience’s sake, even if you don’t use it all the time.

It is important to make sure that your bilge pump is always in good working condition, especially if you have a boat shower that drains directly into the bilge. Keep in mind that whatever goes into the drain will find its way below your floor.

5. Electric Lighting

Having kerosene lamps is okay. In fact, many sailors love to have them because it adds a certain feel and beauty to their boats. But you definitely want to consider the convenience and safety offered by electric lighting. If you plan on living aboard a boat for a long time, you will need some form of reliable electric lighting.

6. Availability of 120V AC

The best liveaboard sailboats come with 120V AC outlets for standard house electricity connections. The availability of electricity is a definite requirement for living aboard a boat. You want to have a way to charge your cell phones, computers, and use other electronic gadgets. A boat with only a 12V outlet is not good enough. It is best to choose a sailboat with 120V AC outlets if you want to enjoy electricity living aboard a boat full-time.

7. Seating Spaces

Apart from the main bed, the best liveaboard sailboats should have additional seating spaces. There should be separate spaces for sitting, working, navigating, and eating, especially if you plan on living aboard for a long time.  You don’t want to be bored with the monotony of using only one space (the main bed) for all your daily activities. Having separate seating spaces has the added advantage of making your day-to-day activities more agreeable.

8. Ventilation

Perhaps the simplest requirement for liveaboard sailboats is ventilation. But it is equally essential, regardless. An opening porthole or a passive solar roof vent should suffice. The important thing to consider when it comes to proper ventilation is a boat that provides a way to let in fresh air without needing to open the main hatch.

Coastal Vs. Offshore Accommodations

And now, here’s one final factor to consider before choosing a liveaboard sailboat. How do you plan to use your boat? Do you want a sailboat that will serve primarily as a long-distance cruiser, or do you intend to use it mainly for coastal cruising?

Your intended use significantly affects the style of interior design that will be suitable for your purpose. Sailboat accommodations are greatly impacted by their cruising purposes. Coastal cruisers are likely to feature more plush layouts, complex interiors, and larger sofas. Also, these boats generally have several amenities, so it is common to have smaller storage spaces in these sailboats.

On the other hand, offshore or long-distance cruisers feature cabins that are designed and arranged to make the journey as comfortable as possible. These sailboats generally don’t have unnecessary furniture and other extras below deck to make room for increased sleeping and storage spaces.

It is easy to get carried away during the physical inspection of a sailboat, especially if the boat is equipped with modern facilities and fanciful, eye-catching amenities. But don’t get swayed by those, even though they are important for improved convenience. Your top priority should be how you intend to use the boat – for coastal cruising or offshore cruising. This should inform your choice of accommodation.

Benefits of Living on a Sailboat

Okay, why should you want to give up living on land and opt for an unstable address somewhere in the middle of the ocean? Is it even safe to do so?

Living aboard a sailboat is an exciting lifestyle that offers several benefits and challenges, too! Thousands of people across the world choose this lifestyle, and because these boats are constructed from high-quality, durable materials, you can be sure it is safe to liveaboard one.

This lifestyle offers liveaboards a cheaper alternative than living in a traditional house. This is particularly the case in waterfront cities where rental apartments and houses in the marina areas are even more expensive.

It is a lot cheaper to live in a boat if you enjoy traveling around the world on the water. And if you enjoy the marina lifestyle, you could take it a step further by owning and living in one of the several best liveaboard sailboats available.

And come to think of it, these boats require some serious investments. What’s the point of buying a “house” on the water without living in it, right? To many people, it makes more economic sense to live in their expensive boats, instead of paying extra rent for a house on the land when there is one idling away on the water.

About Chris

Outdoors, I’m in my element, especially in the water. I know the importance of being geared up for anything. I do the deep digital dive, researching gear, boats and knowhow and love keeping my readership at the helm of their passions.

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Buying Your First Liveaboard Sailboat or Powerboat

A lot goes into buying your first liveaboard, it is by no means the same process for everyone, but this is a guide brought to you by two experienced liveaboard sailors. Mary and Tharon have been living aboard their 36 foot Hinterhoeller Nonsuch for the last two years. With only a short break between other travels, they have what it takes to help others find their dream boat and start living aboard. This post will provide you useful information to assist you in buying your first liveaboard boat.

First things first. Do you have what it takes to live aboard a boat? There's maintenance to take care of regularly, a much smaller living space than most people are probably used to, and it can cost a whole lot of money. There are urgent problems you will need to solve on the fly, sea sickness underway, and it will take you a considerable amount of time and planning. The list goes on and on, but we still believe living on a boat is by far the BEST way to live! There is an amazing community of other boaters, beautiful scenery, and having a home that floats is pretty darn cool. To achieve this level of freedom, it will take the right boat first, so if you think you're ready to untie the lines and set sail, continue reading and let's find your first liveaboard!

Sailboat or Powerboat?

If you've been dreaming of living on a boat, you'll have to consider which will be more of your style - Sailing or Power? Sailing is more casual and affordable, but is considerably slower than a powerboat. Powerboats are faster and have larger interiors, but are more expensive to operate, are not as relaxing (in our opinion), and have a greater impact on the often pristine environments you are living in. Whichever you decide, ask yourself what makes sense for your lifestyle and comfort on the water.

Attend a Boat Show

Although it isn't necessary, attending a boat show is very useful when buying your first liveaboard. They showcase multiple boats, new and old. Getting to see and tour a variety of boats will help you get an idea of what is will be like living on your own boat someday, and more importantly, introduce you to a community of like-minded individuals.

Popular Boat Shows in the United States

• Annapolis Sailboat Show - Annapolis, Maryland - Late April or Early October
• Annapolis Powerboat Show - Annapolis, Maryland - Mid October
• Atlanta Boat Show - Atlanta, Georgia - Mid January
• Fort Lauderdale International Boat Show - Ft. Lauderdale, Florida - Late October
• Miami International Boat Show - Miami, Florida - Mid February
• Mid America Boat Show - Cleveland, Ohio - Mid January
• Newport International Boat Show - Newport, Rhode Island - Mid September
• Providence Boat Show - Providence, Rhode Island - Mid January
• Seattle Boat Show - Seattle, Washington - Late January/Early February

Take a look at other shows that may be in your area or schedule one of these for a weekend getaway. Instead of just scrolling through dozens of online listings, get on a few boats and see what works for you.

You won't regret it if you're on the fence about what boat to buy.

Liveaboard Boat Budget

This aspect will vary drastically per cruiser but is important to consider before starting your search. Will you finance your boat or pay in full?

• Cost of Vessel - Figure out the high end cost of what you're willing to pay and don't budge on going higher.
• Cost of Upgrades - Figure this into the cost of vessel, it all adds up and should be part of your initial boat budget. Examples could include instruments, upholstery, canvas, sails or something else you'll require for your comfort.
• Surveyor - For your first liveaboard, we highly suggest getting an unbiased boat surveyor to look at the boat you are considering.
• Time is money - Make sure the boat is worth your time to maintain in a timely manner. Understand the projects you'll take on and set a sail date to keep your projects on time.

Additional Thoughts on Budget

Although you will not need to know these costs right away, it will help you in determining costs after the initial purchase.

• Moorings and dockage are charged daily, weekly, or monthly. If you're properly equipped, anchoring is free most of the time.
• Prices on gas and diesel are a large cost to consider when deciding to buy a boat.
• Maintenance is always ongoing regardless of what the boat is or how old it is. Make sure you are properly preparing for the costs you'll have for weekly, monthly, and yearly maintenance items.
• Hauling and storing the boat may be needed. You should consider these costs before buying a boat.
• Educational classes can really help people feel confident when getting into boating. Not always necessary but important for some who are not as experienced. There are classes for people who want to learn to sail, learn diesel mechanics, improve their safety at sea, etc.

Living Space

If you're moving from a house to a boat, you're surely not going to have as much living space as you once had. As you begin looking at potential liveaboards, make note of which features are important to you, are must-haves, and what sets it apart from other boats you've looked at. Over time, this will help you to  determine which boat makes the most sense for this new lifestyle.

• Exterior - While on the boat, you'll spend a lot of time outside. It will be crucial for you to have a comfortable living space outside in the cockpit, fly bridge, deck, etc.
• Interior - The boat's interior will be your galley, head(s), cabin(s), and storage. Decide what is most important in each of these areas and pick out the best fit for your lifestyle. Some will pick larger boats for additional space and others will choose smaller boats because of their functionality.

Other Things to Consider

Similar to the living space, make note of what must-haves you should have included with your initial purchase and be on the lookout for anything you think may be questionable on the boat. With a boat surveyor, you'll have an extra eye on any issues with the vessel. They will look for structural damage, soft spots on the deck, condition of the hull, etc. It will be important to check for water damage, leaks, and other signs of wear. If you're getting a sailboat, check the sails and rigging. Also know what you would like included with the boat - ie. anchor set up,   dinghy  , outboard motor, dock lines, etc. Quality over quantity when it comes to boat gear.

When in doubt, it takes time to understand the boat you are looking for. Be patient while looking at different boats and ask all the questions you can think of. There isn't a perfect boat out there but

If you have questions or need additional assistance, email us at [email protected] For more information about Mary and Tharon aboard S/V Tipsy Gypsy, visit  www.maryandtharon.com 

Cheers and thanks for reading!

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12 Best liveaboard Sailboats To Live on | What’s Best For You?

Are you considering buying a live-aboard boat? If so, there are many options to choose from. Obviously everyone’s choice is unique, so “the best live-aboard sailboat” is a subjective topic. Therefore we have come up with a list of 12 best live-aboard sailboats that will serve everyone’s needs. Whether you are looking for a smaller vessel, a 20 feet, because you are a solo sailor or you want an all-out house on water, there is a vessel for you in to consider . 

But first, you will have to decide what your budget, needs and desires are. Once you have that clearly identified, you can then go on to see what are the best vessels for you according to your personal requirements.

Here are our top 12 best live aboard sailboats:

Catalina 30, contessa 32, islander 36, leopard 45 catamaran, beneteau oceanis 57, peterson 44.

When choosing a sail aboard vessel, it is crucial to consider the following 11 elements that distinguish a great boat from the rest. These are:   

The size of the boat 

The condition and seaworthiness of the vessel.

• Standing headroom in the cabin
• Having a good size Water tank
• Having a good size fuel tank
• Does the boat have a Water maker

A fully functioning Galley (kitchen)

• Heating and ventilation 

Shower and Toilet

• Power Availability

Seating Area

Sailboats are among the best liveaboard vessels on the water, there are some other types of boats that one can live in such as recreational boats, luxury yachts, trawlers, Sport fishing boats, houseboats etc., to name a few, but we are more interested in liveaboard sailboats which has many advantages over the other types.

So far we shared with you our top 12 best liveaboard sailboats and what makes a sailboat the best vessel to live on. In the following sections we will cover each sailboat in much more detail and explaining everything you need know to make an educated decision. By the time you’re done reading, you’ll feel confident enough to choose your dream sailboat to live in.

Things To Consider Before Living Aboard A Sailboat

Sailboats vary a lot from size, design and amenities to the comfort level they come with. Deciding which one is best for you depends on the overall purpose and requirement and the level of comfort you require while living aboard. 

For instance, some sailors find themselves okay living aboard on a sailboat that has no shower or a fully functioning galley. While for others it is important to have an electric toilet, a fully functioning galley and practical salon with some type of entertainment system installed. 

Additionally, you need to identify the purpose of the vessel, will your sailboat serve as an off offshore accommodation or an inshore accommodation. 

Offshore vessels generally don’t come with unnecessary furniture just to increase storage space on the boat. Also these boats have different sleeping layouts to provide for easy access and to ensure that the crew can stay in control of the boat at all times. 

Inshore sailboats on the other hand are geared towards luxurious interior design and high comfort level. Generally, inshore vessels stay within 2 miles from the shore therefore, they will have less storage space to allow for other luxurious amenities to exist.

In any case it is imperative to know what purpose will your sailboat serve and what amenities do you require before you can make an educated decision. 

What Makes A Liveaboard Sailboat The Best One?

Here are a list of characteristics of the sailboats that we believe make a liveaboard sailboat a great one: 

When it comes to living aboard, the size does matter, so depending on how many people are going to be sailing and living with you, generally bigger sailing boats offer are more comfortable. We will discuss this topic in the sections to come in great detail.

Is the boat you are about to live on in a good condition. When you buy a new sailboat for this purpose then it is a must that you hire a professional surveyor to assess the condition and the seaworthiness of the vessel before you make any down payment. Yes, it will cost you a bit, but that fee will save you a lot of money and headache.

Standing Headroom

The next feature is standing headroom. It is imperative to be able to stand upright properly without needing to crawl or bend yourself to move from one part of the boat to another. A good boat should offer at least between 5 feet 11” or 6 feet tall headroom. This element is important to consider for the health of your back and neck in the long run.  

Bigger Water Storage Tank

This is a crucial element that many older boats miss out on it. On average sailboats come with only 60 gallon tank capacity. If you make long passages then at least you should have a double of that aboard, meaning 120 gallons depending how far your destination is, you would be much safer to have 180 gallons if you are in a seaway for an extended period of time.

The last thing we don’t want to happen to you is that you run out of drink water while days away from the closest civilisation. Therefore, we recommend you to have approximately 140 gallons of water aboard during mid to long range trips or ocean crossing depending on how many people live aboard. Although, 40 gallons water storage tank is standard in the industry, you can increase this by having a few 5 gallon water container (also known as jerry cans). We have used these tanks in the past they are amazing. Click here to check these out on Amazon.

Bigger Fuel tanks

Like the water tank it is very important to have bigger fuel tanks if you plan to sail and explore the world. To give you an idea, for a 44 feet vessel a great fuel tank size will be in the range between 100 -120 gallons and on the contrary, a 30 gallons fuel tank is considered small for the same size boat. A 55 gallons Fuel tank for a 34 feet boat is classified as adequate, while a 25 gallon is considered a small fuel tank.

Although, if the boat you are considering to buy ticks all the other box except for this one, then you know that you can buy a few portable fuel tanks to resolve this issue. The best ones that I have found on Amazon will cost you around $85 for 12 gallon container. Click here to check for availability.

Does the boat have a water maker

A water maker is a live support equipment and a great amenity to have on your liveaboard sailboat that you can’t do without one. This is not a so important if you have super large storage tanks to store the water for you. Or you are located in the Caribbean where water is readily available everywhere. Other than that having a water maker means that you don’t have to worry about running out of water in the middle of the ocean, for this reason a water maker could be a life saver in some instances.

The water maker, like any other systems on the boat, needs some level of maintenance from time to time, but the quality of water that you get from a decent water maker out weighs the associated maintenance and costs.

In order to make life easier aboard this option is a must on our list, while sailboats’ galleys vary from only being able to prepare light meals to a fully equipped kitchen, but a great sailboat should at least have a fridge, cooking stove and a sink. Having a small oven is a luxury but not a necessity. 

Heating and ventilation

Even in the warmer locations, it can get really cold in the nights during winter months. So, if a boat comes with a heater, be it electric or diesel, is a great advantage. I have written a very useful article on how to heat your sailboat during winter months. Click here to read it.

Likewise, proper ventilation is crucial when living aboard a sailboat for an extended period of time. This is because mold and mildew grow in places that are dump and poorly ventilated. We know now that mold is very toxic to humans and animals.  

With proper ventilation we mean a roof vent, a porthole or window that allows sufficient air flow, also good insulation help against condensation and dump.  

Having a shower and a fully functioning toilet that is adequately supplied with water is one of the necessities on our list. It is vital to have a clean boat to prevent spread of diseases due to poor sanitation.

A good sailboat should have a well built-in toilet with safe waste storage tank. 

Power Availability  

A great vessel offers 120V AC outlets, some less great sailboats might offer only a 12V outlet, but if you live aboard all year round, you will need electricity to have your cell phones, laptops, batteries charged. 

A great boat should come with good size seating area other than beds or banks. It is important to have seating area for everyone to set while eating, working or just chilling out.

What is the best size sailboat to live on?  

Liveaboard monohulled sailboats.

The answer is very subjective and depends on a few factors: your budget, family size, the level of comfort and convenience you wish to have while living aboard. 

The smallest sailboat a single person can live in with very basic amenities is about 19 feet. A 23 – 26-feet vessel will offer a much decent living space but If you want comfort, 30 feet and longer will offer a great living abroad experience, as they come with dedicated washing, cooking and living spaces.  

For couples the 37 – 44 feet range will offer a comfortable living aboard space. While families with kids and pets, probably 45-50 feet range will be the most comfortable. 

We have researched best size sailboat to live in, here is a summary of our findings:

Liveaboard Catamaran Sailboats

Catamarans on the other hand will offer you the most space and comfort. Catamarans have two hulls and a salon attaching the two hulls together, allowing for more space. In addition to that they tend to be more stable and go much faster than a monohulled sailboat, due to their physical structure and size and number of sails. These vessels are well known for their safety, pleasant and smooth sailing characteristics. However they are much more expensive then monohulled sailboats.

These vessels offer a comfortable liveaboard experience. Our findings show that living aboard a 30-feet catamaran offers a comfortable and good enough space for a couple and a 1 child or a pet. 

A 35-feet catamaran will accommodate at least 4 people (4 adults or 2 adults and 2 kids) comfortably. Here is a summary of our findings:

Is living on a sailboat worth it? Pros & Cons

In this section we will discuss some of the pros and cons of living aboard a sailboat and will leave the judgement to you to judge whether it is worth it or not.

What are the advantages of living aboard a sailboat?

There are a few advantages that come with living aboard. We will discuss them one by one below:

Freedom and Relaxed lifestyle

Living aboard a sailboat may provide you the freedom and comfort that will not be possible anywhere else. Just as RVs on land offer great freedom while traveling from one place to another on land, living aboard allows you to take your entire household to a different geographic location whenever you choose to do so. 

This lifestyle comes with freedom and nearly limitless opportunities for exploration. Likewise, living aboard means living a life away from the fast paced life of the modern era, a way from many stressors to living a truly laid back and relaxed lifestyle. 

Safety and sense of community

For many of us living in a safe environment is absolutely a must, that is exactly what marinas offer you. Marinas are regarded as very safe places as they have the most advanced security gates, CCTV cameras and professional security guards present on the marine who keep watch 24/7. 

In addition to that, marinas are one of the best places to socialise as well. You will come across many like minded and well-travelled people who can share their knowledge and sailing expertise with you and vice versa.

Scaping the cold months and saving money

Also living aboard allows you to travel to the southern part of the country (or world) in the colder months of the year, where it is much warmer in the south than in the northern hemisphere. This lifestyle is really something unique and cool to be able to live where-ever and when-ever you want. 

Cost of living aboard a sailboat in majority of the cases is far less than living a life in a typical house or apartment. If you live fully all year round on a sailboat and you don’t have any residential rent or mortgage costs to pay, you can live very cheap and even save money. Of course you have to rent a slot in your desired marina, but usually it is much cheaper than renting a house or paying for your monthly mortgage payment in that same area. 

It goes without saying that if you live aboard only a few months in a year that you will have higher costs, as you still have to pay for a marina slot as well as your house expenses. 

What are some disadvantages of living aboard a sailboat?

So far we mentioned some of the pros why living aboard a sailboat could be desirable for many. While what we have mentioned above is true, there are some cons that come with this lifestyle, I will mention a few below:

Lack of space

From my experience, what I miss when I am sailing for days on end, is the lack of space. I mean by that no room for yourself or for your belongings. Even the largest catamarans will not be able to offer you the same amount of space as the typical house does, so anything less than that will be even more tighter living. 

Some sailors who live aboard all-year round find it easier to rent a storage locker, additionally choosing this lifestyle will mean that you will have to get used to taking your wash to the laundry and get used to having a small refrigerator and small storage spaces. It is crucial that you know your crew well or people who will live with you. While living aboard with someone is a great way to bond with each other, it can also be challenging at times, especially due to lack of privacy and personal space.

Bad Weather

Although sailors have the choice to sail to warmer locations during the winter month, which many do, they cannot escape from the storms, floods, hurricanes and even worse of them all the tsunamis. Because severe weather conditions could be seriously life threatening living aboard, it is imperative that you evacuate the sailboat if you are docked at the marina at times of severe weather conditions. But if you are out on the sea then you can do a lot to stay safe. I wrote a useful article on this topic. Click here to check it out.

Unwanted Visitors

One of reasons why most sailors choose to live aboard is that they want to be closer to nature, that is definitely true when it comes to wildlife. While docked on the marina or out on the water, you will have some unwanted visitors such as ants, spiders, insects, lizards and cockroaches to mice, rats and cats, foxes and raccoons. Seals and otters love to sun bathe on the deck and enjoy last night’s leftovers as well. If you are safe from seals and otters you will definitely not be safe from sea gals and other sea birds. The solution is keeping your sailboat tidy and clean and leave no food or leftovers etc on the deck or in the cabin. 

Maintenance and Repairs

It is inevitable that your vessel will need maintenance and repairs at some point. It could be bottom painting or to repair a rusty part or otherwise treating mildew and mold that grow constantly in certain areas of your boat. One thing they all have in common is: they all come with high price tags. You want to stay on top of these repairs and maintenance as having a maintenance routine will save you a lot of money and headache in the long run.

Top 12 Best Sailboats To Live On

In this section we would like to share with you our findings (after a thorough research of the market) of 12 fantastic sailboats that could make a great home on water.

This very special boat was designed by Dean Wixom with the seaworthiness and crew safety in mind. In addition, it was built to be easily transportable (trailerable)from one place to another. 

This feature is very unique to this boat, there are not many vessels serving the same purpose.

Although, legally it is possible to transport this boat on the back of a trailer without any special permit, it needs a bigger than average trailer to transport it. 

Nor’Sea 27 comes with the quality, comfort, amenities and safety on the sea of a much greater vessels. Most models feature a fully galley including fridge/freezer, Double sink, a reasonably sized head and v-berth with an inbound engine and a cutaway full keel. This vessel is well known for its comfort and functionality.

Although she is available in both an aft-cockpit and center-cockpit layout, the centre cockpit is a more preferred option for many sailors. This option features an amazing aft cabin, with 4 beds and standing headroom throughout main areas in the cabin and a safe and protected cockpit. 

So all in all this beautiful and spacious boat features amenities which are very unique for its size. It comes with almost all the features you would expect on a liveable boat. For this reason it comes with a slightly higher price tag. Nor’See 27 pride itself on safety and seaworthiness. That makes this model one of the best liveaboard vessels that ticks many boxes.

The only issue that this boat has (although it is manageable) is having smaller water and fuel tank storage. We mentioned how important it is to have a bigger water and fuel tanks in this article, in case you missed that part click here to read our recommended water and fuel tank sizes and how to resolve this issue. Other than that Nor’Sea 27 is one of the best liveaboard sailboat out there in this price range that is very safe and comfortable.

A brand new Nor’Sea 27 will cost you around $130,000 depending on the features, however a good used Nor’Sea 27 could be found for approximately $45,000. 

Specification & Dimension

This is a great sail aboard sailboat which was first introduced in 1974 and since then it has been extraordinarily improved. This is a very popular vessel which is sold plentifully all over the world. 

It comes in 3 models: Mark I (1974 – 1986), Mark II (1986 – 1993) and the Mark III (1994 – 1997). So if you would go for an older model, be prepared to customise a lot to improve functionality. 

The founder and president Frank Butler has been quoted in many publications saying that his company goal was to provide its customers with “as much boat for the money as we can.” 

Catalina is believed to be one of the best all-around sailboats ever built, it is a reliable and robust fibreglass sailboat that has a low price point which provides a good option for many new sailors to enjoy sailing and living aboard. 

Cataline features a well thought and spacious cabin layout and has all the basic features that a 30 feet boat has to offer such as fully galley including ice box, a large double sink, a reasonably sized head and fully functioning navigation station which makes living on this very comfortable.

This beautiful boat has a wide beam, abundant storage space, and good ballast/displacement ratio in addition to a low sail area/displacement ratio which makes Catalina very stiff and therefore comfortable to sail.  

Size-for-size and feature-for-feature the Catalina 30 is tough to beat. Depending on the model, condition and specification of the boat, you can find a good one under $40,000.

There are many reason why we think Contessa 32 is the best live aboard sailboat relative to its size and price tag. This cruising and racing boat with proven blue water track record, is truly a reliable, versatile, comfortable and seaworthy vessel that is built to cater for any type of adventure including living aboard. 

Contessa 32 is considered by many as a British yachting icon. It was first built in 1971 and it is still produced but on customer order basis. Co32 comes with speed and stability that not only make a nice racing vessel but also a great accommodation or a live aboard sailboat for you and your crew.  

Due to the design of the hull and the shape of the keel it sails smoothly without slamming on the sea bed, making the journey very comfortable. It is a classic boat with lovely lines and it is just looking so pretty, accommodating for a maximum of 6, however if living aboard probably it will be suitable for a couple and 2 kids or 4 adults. 

Co32 features a small galley on the port side and a navigation table on the starboard. An aft quarter berth, a large salon settee with a beautiful wooden fold up dinette table in the middle that transforms into a cosy double berth at night. Additionally you have a single settee that can be used as berth to starboard, forward a head and v-berth with plenty of space and stowage compartments.

The sailboat makes excellent accommodation for  2-4 people with many amenities that are required to call it a sail-aboard home.   

Depending on the model, condition and specification of the boat, you can find a good used one for about $45,000.

The next sail aboard winner on our list is the 40 feet, Nordic 40. If you want to live aboard comfortably or with a larger family/crew then look no further. This American designed beauty was first built in 1978 and is generously spacious in its interior. 

That means plenty of storage space which is needed during longer crossings. This fine cruiser is initially designed as a race/cruiser, so when it comes to sailing performance that is unbeatable. Its deep draft fin keel provides for a superior windward capability. 

Nordic 40 comes with a fully insulated fiberglass hull throughout the interior, not only it will keep you warm during the cold winter nights but also to keep the condensation at bay.  

This beauty comes with a large fuel and water tank and plenty of storage spaces that will allow you to stock up for your longer crossings or to sail around the world.

Nordic features a reasonably large galley on the port side and a navigation table on the starboard. An aft cabin with 2x quarter berths, a large salon settee with a beautiful wooden fold up dinette table in the middle that transforms into a cosy double berth at night. Additionally you have a single settee that can be used as berth on the starboard side, forward a head and v-berth with plenty of space and stowage compartments, this comes very handy while living aboard simply because it is hard to live with some of the household items.

All in all Nordic 40 is hands down one of the best live aboard sailboats in its category that has a lot of potential for being a floating home.

Although there are not many Nordic built you will still be able to get hold of them for a market price of approx $135,000. 

Is the safety and a superb performance something that you are looking for in a liveaboard vessels? If the answer is yes, then Etap 37s is the sailboat for you. Etap 37 is an award winner certified (by Bureau Veritas) unsinkable boat with an outstanding performance.

Something interesting with this model is that in case of flooding in the boat while at sea, not only the boat will stay afloat but it will also allow the captain and crew members to continue stay aboard and sail towards safety. This is possible because a special foam is injected in between the hull and the lining which in turn acts not only as a floatation mechanism but also as a great insulation and sound dampening layer.

This Belgian beauty has a generously wide beam for loads of storage space as well as extended stability. We think this sailboat will make a great living space for medium sized families with excellent live aboard facilities .  

Ergonomic and well thought out beautiful teak wood in the setting areas and the cabin give this boat a luxurious look. This fine cruiser offers accommodation for 6 people, with a v-berth in the bow, an aft cabin double bed and two fairly large settees in the main cabin and comes with a head and shower. The galley offers a 2-burner stove and double sink and fridge/freezer etc. 

All these excellent amenities along side the safety and performance make it and excellent liveaboard sailboat.

Sure, this boat has positioned itself at the high end of the market when we compare this vessel with other models of the same size, but the price is still competitive enough to compete against the high quality design sailboats. 

Hunter was first introduced in 1977 and amazingly still being produced till today.  

This will make an outstanding live aboard sailboat because it is designed to provide you with more of a house feeling than a boat. The cabin features two fairly large settees in the main cabin, good standing height headroom and beautifully designed storage compartments. Standing headroom is a great advantage to have which offers you extra comfort while living aboard.

Hunter is well known for its stainless steel arch in the cockpit area which creates a really nice set up for short handed or single hand sailing,  and the extended cockpit area enjoys all the modern devices that a modern sailor needs. Additionally the Hunter comes with lots of room in the salon, cockpit area and it is very well ventilated and lit all throughout and it is easy to sail.

Hunter features a spacious u shape galley on the aft portside, a good size fridge and freezer, 2 burner stove with oven and a stainless steel sink. 

It also features a relatively spacious liveaboard accommodation for 6 people. Aft head compartment offers a large queen size berth with plenty of headroom and ventilation windows above. Just fore of that is the head and shower. 

The cabin has a large u-shaped salon seating area that transforms into a cosy double bed using the large dinette table which is located in the middle of the salon. Additionally you have a single settee on the starboard side and forward v-berth with plenty of space and stowage compartments.

The price ranges from $50,000 to $90,000 depending on the models and condition of the boat. 

Truly, Hunter has enormous potential for live-aboard sailors who are willing to forgo some aspects of luxurious amenities that other same sized makes do offer, for maximising storage spaces, especially when storage is such a crucial matter in longer ocean crossings.

Less luxury has also an added benefit that is: less maintenance. This performance cruiser offers great opportunities for new sailors or people on tighter budgets. 

Cal 34 (first produced in 1966) is considered a fairly light mid-sized sailboat for its material usage in early models. The basic model even is a very promising sail aboard boat. It comes with a spacious and basic interior, offering many standard features although it is lacking some luxury ones. 

The older models are acquired for approximately $20,000. If you decide to buy an older Cal 34 from the 70s, please note that a lot has changed in the sailing industry since then such as more efficient rigging, easier sail handling, efficient diesel engine, bigger water tank storage and more appealing interior design etc. All in all this is an excellent fairly priced live aboard option for couples and families.  

The I-36 was first introduced in the market in 1971, and the company built around 800 boats of this model before they ceased production in 1986. This model prides itself on speed, performance and ease of handling even in heavy air. 

Like Catalina this model makes an excellent live aboard option for couples or families without compromising any important amenities. 

The cabin features a large salon seating area that transforms into a cosy double bed using the large dinette table which is located in the middle of the salon. Additionally you have a single settee ( it can be used as a bed) on the starboard side, a aft quarter berth and forward v-berth with plenty of space and stowage compartments. 

I-36 features an enclosed head (flush toilet) and a shower which are very important amenities to have when living abroad. 

The L-shaped galley features a large stainless steel sink, a 3 burner stove and standard icebox that can be upgraded to a full refrigeration unit. 

The price ranges from $25,000 to $65,000 depending on the models and condition of the boat. 

All and all, a generously spacious living area alongside the master berth makes this model a very good option for exploring the world as well as living aboard all year round.

This 20-feet sailing boat is specifically built for blue water sailing and extended cruising. It differentiates herself from all other 20 to 27 feet live aboard boats by just being much larger for its size and class. Furthermore, it is a seaworthy and comfortable single handed boat and has a great strong structure yet small enough to be loaded on a trailer and transported easily to another location. 

The 20 feet world cruiser comes with the interior space of much larger boats, making it an awesome option to live aboard for a single or even couples.    

It was originally introduced to the market in 1972 and the production continued till late 90s. The company has built over 400 vessels over the period of 25 years. 

There are many reviews showing that many have crossed the oceans with this little sailboat even under heavy weather conditions. When it comes to size of the boat, one reviews mentioned that he felt that Flicka was more spacious than his previous 31 feet boat, that is without exaggeration.  

It is spacious enough to live in, with an excellent headroom and easy to handle. It sails beautifully although it is only 24′ 0″ ft long and it has a heavy displacement. 

This amazing vessel can accommodate 4 people and comes with many hatches and opening ports to keep your sail aboard home ventilated. 

Flicka features an aft quarter berth, a large salon settee that transforms into a cosy bed at night. Additionally you have a single settee (can be used as a bed) on the starboard side, and forward v-berth with plenty of space and stowage compartments. 

The galley is located amidships that includes stove/oven sink and icebox with hinged table for two. 

We have admit to that this vessel is one of the best live aboard sailboats in its size and price range.

Because this boat comes with quality, strength, safety and ease of handling, it is priced with a higher price tag of $25,000 to $45,000. 

Leopard 45 is a “Boat Of The Year” award winner in 2017. This luxurious live aboard vessel features a superb performance and build quality. It has a very well thought out, all rounded and practical layout through the entire boat.

Known for for sailing speed, comfort, safety, luxury and entertainment, this offers the best live aboard options in its price range. It is a firm favorite of liveaboards as well as charters alike. This model features a light, airy and luxurious interior. The living space overall is very accommodating for those of us who wants total comfort.

Leopard 45 comes with plenty of living, setting and entertainment spaces in the cockpit area that adds to your comfort and luxury and joy during the warmer days.

The interior features 3-4 cabins, a super large saloon, a fully equipped galley, plenty of entertainment area in the cockpit with 3 to 4 heads and showers.

She is so spacious and luxurious that you will not miss anything you had in your typical home while living aboard this beauty.

The price for a used one ranges from $200,000 to $810,000 depending on the models and condition of the vessel. 

Beneteau is a very popular and modern looking cruiser thanks to its sheltered cockpit, large deck space and a vast aft master cabins and it makes an excellent live aboard option.

The manufacturers built this boat with speed, safety, luxury and also comfort in mind. This model can be found in 2 or 4 cabin configuration. The 4 cabin options comes with 2 huge aft master cabins, two double berth forward each featuring a luxurious head, sink and shower and a single aft cabin accommodating 9 people for the larger option and 7 people with a 2 cabin configuration.

The aft master cabins feature queen size berths, a side bench seating area and lockers and cabinets and plenty of natural sun light. The designers have done a great job in paying close attention to every detail.

This live aboard cruiser has every amenity that you will need while living aboard. This is a truly master piece, featuring a really massive galley with fridge/freezer, four-burner gas stove and even a dishwasher.

The gorgeous saloon features a large u shape seating area with beautiful saloon, a large bench seat on the starboard side with its own table. It is worth to note that the saloon is filled with plenty of natural light coming from the ceiling and wall windows. The saloon is finished in beautiful cherry wood that gives it a super warm feeling.

The price is between $200,000 to $600,000 range for a good used Beneteau.

We chose this boat on our best liveaboard sailboat list because this model features a very solid structure that will allow you to build and upgrade upon if needed, in addition to that this vessel is very reasonably priced. 

This option is a well known cruiser which prides itself on the ease of sailing in any type of wind. 

The company first introduced Peterson 44 in 1976 and built only 200 of this model before they ceased production. From what we have gathered reading owner’s review they have nothing but good to say about its performance. 

This boat is very unique in having two enclosed heads and showers, one in forward and one in aft.  A full size U-shaped galley is positioned to the port. The galley comes with a large sink, a 3-burner stove, oven, fridge/freezer, good size countertop and plenty of storage in and around the galley. A large navigation station that is located to the starboard very close to the cockpit for easy access.

The main cabin features a large salon seating area that transforms into a cosy double bed using the large table. Additionally you have a single settee (can be used as a bed) on the starboard side, and forward v-berth with plenty of space and stowage compartments. This live aboard vessel features a gorgeous looking large aft master cabin with a head and shower, hanging closet, plentiful storage cabinet and private access to the cockpit. This amazing vessel can accommodate up to seven people and comes with many hatches and opening ports to keep your sail aboard home ventilated. 

The price for a good used Peterson 44 ranges from $60,000 to $110,000 depending on the models and condition of the boat. With all the amenities and above average quality it makes an excellent liveaboard option for slightly bigger families.

I know it has become a super lengthy and detailed post that takes some time to read through, but I wanted to make sure to create a complete guide including all the features to look out for and the elements to avoid when looking for a great sailboat to live on. 

When it comes to living aboard, there are many crucial elements that you don’t want to miss out as we have discussed these in great depth in this article. The tips and recommendation that we shared in this article will save your a lot of money and headache. 

This article has provided you with the knowledge how to identify a great sailboat, and how to choose your first sail aboard vessel and what makes a sailboat the best one for you.  

Our recommendation list of top 12 best boats will give you the best options out there, bear in mind that to buy a great sailboat, you might have to travel abroad to find the best options. All the best.

I am the owner of sailoradvice. I live in Birmingham, UK and love to sail with my wife and three boys throughout the year.

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13 Dirt-Cheap Liveaboard Sailboats (That Are Actually Good)

When it comes to selecting a dirt-cheap liveaboard sailboat, you don't have to compromise on quality. There are many classic models and a few hidden gems that provide comfort, space, and sailing capabilities at a very affordable price. In this article, you'll find a list of classic liveaboard sailboats, as well as a few original finds that can fit your budget.

Liveaboard sailboats that are cheap but actually good include Westsail 32, Alberg 30, Tayana 37, Catalina 30, Ericson 35, Albin Vega 27, Bristol 32, Morgan 323, Contessa 32, Pearson 365, Hunter 31, Cal 34, and Tartan 30. The prices of these boats range from $5,000 to $50,000 or more.

Living aboard a sailboat on a budget doesn't mean you have to settle for less. These affordable boats can still provide the comfort and performance you're looking for. We've included some models that you can find on Craigslist.

• These budget-friendly liveaboard sailboats offer a great combination of affordability, performance, and comfort, making them ideal choices for living the sailing dream.
• Some classic models that provide you with enough room to move around and store your belongings include the Alberg 30 and the Tayana 37.
• Classic models such as the Westsail 32, Alberg 30, Tayana 37, Catalina 30, Ericson 35, and Albin Vega 27 are known for their seaworthiness and versatility.
• The cheaper the boat, the more likely you'll need to invest in repairs and spare parts over the years. This is where some more obscure finds can surprise you, such as the Contessa 32 and the Cal 34, which offer easy maintenance and relatively cheap spare parts.

On this page:

13 cheapest liveaboard sailboats that are good, key features of a good liveaboard sailboat, classic liveaboard sailboat models, affordable liveaboard sailboats.

When looking for an affordable yet reliable liveaboard sailboat , there are several important features to consider. These can greatly affect your overall experience and satisfaction with your chosen boat.

Layout and space : On a liveaboard sailboat, space and layout are crucial. You'll want a boat that offers efficient use of space, a comfortable living area, a functional galley, and adequate storage. Generally, 25 to 35 feet in length is the ideal size range for a liveaboard.

Sailing performance : Even if you plan to live aboard primarily , sailing performance should still be a priority. Consider its ability to handle light winds, heavy winds, and everything in between. Your boat should be able to handle various sea conditions and be easily maneuvered. It should be versatile enough for various wind conditions and sea states.

Hull design : The hull design of your sailboat will affect its stability and performance in the water. Look for a design that offers a good balance between comfort, safety, and speed. A full-keel or modified full-keel design provides stability and tracking in rough seas, while a fin keel offers better maneuverability in tight spaces like harbors and marinas.

Maintenance and construction : Pay attention to the boat's construction materials and quality. Fiberglass and aluminum are popular choices due to their durability and low maintenance requirements. Wooden boats tend to be more affordable but may require more maintenance and care.

In this section, we will discuss some classic liveaboard sailboat models that are known for their affordability, functionality, and reliability. These boats have stood the test of time and are excellent choices, especially for novices.

Westsail 32 is known as "the cruiser that launched the cruising boom"

The Westsail 32 is a sturdy, reliable, and comfortable liveaboard option for those seeking a classic, bluewater cruising boat. Designed by William Crealock, it boasts heavy construction, a full keel, a roomy interior, and seaworthy capabilities. With many of these boats available on the market, you can find a Westsail 32 in good condition at affordable prices.

Alberg 30 is a classic full-keel cruiser known for its seaworthy design

The Alberg 30 is a classic design from the 1960s, created by Carl Alberg, and built by Whitby Boat Works in Canada. This boat is known for being easy to sail and is a perfect choice for new liveaboards. The Alberg 30 has a simple layout, adequate living space, and enough storage to make it a suitable option for long-term living, all while keeping to a budget.

Tayana 37 is known for its seaworthiness and durability

Designed by Robert Perry and built in Taiwan, the Tayana 37 is a popular and capable bluewater cruiser. This well-built classic boat is known for its comfort, safety, and ease of handling when sailing long distances. The Tayana 37 offers plenty of space and storage, making it a delightfully practical liveaboard choice, even for small families or couples.

Catalina 30 is one of the most popular sailboats of all time

The Catalina 30 is one of the most popular sailboats in its size range and has a reputation for being an incredibly spacious boat, given its 30-foot length. Designed by Frank Butler, the Catalina 30 is known for its roomy interior and user-friendly layout, making it a fantastic option for liveaboard enthusiasts. The affordability and availability of the Catalina 30 also make it a top choice among sailors. It’s a tried-and-true option for liveaboard enthusiasts.

Ericson 35 has solid build quality

For those looking for a slightly larger liveaboard sailboat, the Ericson 35 is an excellent option. Designed by Bruce King and built by Ericson Yachts, it is praised for its solid build quality and comfortable accommodations. The practical layout and generous storage space make the boat a desirable choice for those looking to live aboard on a budget .

Albin Vega 27 is a proven ocean cruiser

The Albin Vega 27 is a smaller liveaboard option for those who prioritize simplicity and affordability. Designed by Per Brohäll and built in Sweden, the Albin Vega 27 is a proven ocean cruiser with a surprising amount of space for a boat of its size. If you're looking for an affordable liveaboard sailboat with a compact yet functional layout, the Albin Vega 27 might be the perfect fit for you.

In your quest for a dirt-cheap liveaboard sailboat that's actually good, there are some finds worth considering. Let's dive into these affordable gems that were built for liveaboard life and sailing.

Bristol 32 is known for its classic design and solid construction

The Bristol 32 is a classic liveaboard sailboat with a solid reputation for its sturdy construction and excellent sailing performance. Designed by Ted Hood, this boat is known for its comfortable living spaces and adequate storage. A used Bristol 32 can be found at a reasonable price, making it perfect for those with a tight budget.

Morgan 323 provides stability and safety

Next is the Morgan 323, which offers a great deal of interior space for a 32-foot sailboat. The well-designed layout ensures you have all the necessary amenities for living aboard while maintaining high sailing performance. Equipped with a full keel and skeg-hung rudder, the Morgan 323 provides stability and safety while underway.

Contessa 32 has a solid reputation for being safe, seaworthy, and comfortable

A British classic, the Contessa 32 is a small yet capable liveaboard sailboat , perfect for a couple or solo sailor. With its sleek lines, excellent performance, and well-built hull, the Contessa 32 is a go-to choice for many budget-conscious sailors. It's a rugged, seaworthy vessel that can handle various weather conditions with ease.

Pearson 365 is suitable for long-term and weekend cruises

The Pearson 365 is another popular liveaboard sailboat, known for its spacious interior, comfortable accommodations, and reasonable price. With a roomy cockpit, plenty of storage, and a versatile sail plan, the Pearson 365 is well-suited for both long-term liveaboards and weekend cruisers.

Hunter 31 is well-rounded and spacious

Affordable and easy to find, the Hunter 31 is a popular choice for budget-conscious sailors searching for a suitable liveaboard. With its beamy hull, the Hunter 31 boasts a spacious and functional interior. While not a traditional bluewater cruiser, the Hunter 31 can hold its own in coastal and nearshore environments.

Cal 34 offers solid sailing performance

Another solid liveaboard option is the Cal 34. This well-designed sailboat has earned a reputation for its quality construction and comfortable living spaces. The Cal 34 strikes a suitable balance between performance and affordability, making it a popular choice among budget-conscious sailors.

Tartan 30 has enough space for living aboard

Last but not least is the Tartan 30. This sturdy sailboat is known for its seakeeping abilities and high-quality construction. The Tartan 30 provides adequate space for living aboard while maintaining its performance capabilities. Finding a used Tartan 30 at a great price is an excellent opportunity to secure an affordable, comfortable liveaboard.

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The Ultimate Guide: How to Buy a Sailboat – Tips and Advice

Alex Morgan

Buying a sailboat can be an exciting and fulfilling experience for those seeking to embark on new adventures on the open water. It is crucial to approach the process with careful research and planning to ensure a smooth and successful purchase. This comprehensive guide will walk you through the essential steps involved in buying a sailboat, from researching and planning to inspecting the vessel, negotiating the purchase, and preparing for ownership.

Researching and planning is the initial phase of buying a sailboat. To begin, you need to determine your budget, considering factors such as the purchase price, ongoing maintenance costs, and any additional expenses. Next, consider your purpose for buying a sailboat. Are you looking for a vessel for weekend getaways, long-distance cruising, or racing? Identifying your experience level is crucial as it will determine the type and size of sailboat suitable for your skill set.

Once you have a clear understanding of your budget, purpose, and experience level, it’s essential to research different types of sailboats. Familiarize yourself with popular brands, models, and their characteristics to narrow down your options effectively.

Inspecting the sailboat is a vital step before making a purchase. This involves assessing the hull and deck for any structural damage or wear and tear. Examining the rigging and sails ensures they are in good condition and functioning properly. Similarly, evaluating the engine and electrical systems is crucial to ensure they are in working order. Checking for structural integrity and maintenance history provides insights into the sailboat’s overall condition and potential future expenses.

Negotiating and purchasing a sailboat requires careful considerations. Determine a fair price based on the sailboat’s condition, market value, and any necessary repairs or maintenance. Conduct a sea trial and survey to assess the sailboat’s performance and identify any underlying issues. Review and understand the legal documents involved in the sale, such as the Bill of Sale and

Preparing for ownership involves a few essential steps. Arrange for transportation and insurance to ensure your sailboat is protected during transit and while at the dock or marina. Find a suitable dock or marina that meets your needs and provides necessary services, such as water, electricity, and security. Stock up on essential equipment and supplies to ensure you have everything needed for a safe and enjoyable sailing experience. Familiarize yourself with maintenance and safety procedures to keep your sailboat in optimal condition and ensure the well-being of yourself and your passengers.

By following these steps, you can navigate the process of buying a sailboat with confidence and make an informed decision that aligns with your sailing aspirations.

Key takeaway:

• Researching and planning are crucial when buying a sailboat. Determine your budget, consider your purpose, identify your experience level, and research different types of sailboats.
• Inspecting the sailboat is essential to ensure its condition. Assess the hull and deck, examine the rigging and sails, evaluate the engine and electrical systems, and check for structural integrity and maintenance.
• Negotiating and purchasing requires careful consideration. Determine a fair price, conduct a sea trial and survey, review and understand the legal documents, and finalize the purchase and transfer ownership.

Researching and Planning

Researching and planning are vital steps when it comes to buying a sailboat. In this section, we’ll uncover essential factors that will guide you in making an informed decision. We’ll discuss how to determine your budget, consider your purpose, identify your experience level, and explore different types of sailboats. By delving into these sub-sections, you’ll gain the knowledge and insights needed to navigate the sailboat market confidently. So, let’s set sail on this exciting journey of researching and planning your sailboat purchase!

Determine Your Budget

Determining your budget is a crucial step when buying a sailboat. Follow the steps below:

• Assess your finances and determine your sailboat spending limit.
• Consider additional costs like insurance, docking fees, maintenance, and upgrades.
• Research current market prices for sailboats of your desired size and condition.
• Consult boat brokers or dealers to get an idea of the average price range for sailboats that meet your requirements.
• Take financing options or loan limitations into account that may affect your budget.

It’s important to determine your budget before starting the sailboat buying process to ensure you can comfortably afford the boat and associated expenses. Setting a realistic budget will help you narrow down your options and make an informed decision.

According to BoatUS, the average price of a used sailboat in good condition typically ranges from $10,000 to $50,000, depending on factors such as age, size, and manufacturer.

Consider Your Purpose

When buying a sailboat, it’s important to understand your goals and intentions. Your purpose will greatly influence the type and size of sailboat that best suits your needs. Considering your purpose will help determine the features and equipment required.

If interested in racing, look for a sailboat designed for speed and agility , with a lightweight hull and tall mast. For day sailing and leisurely trips, a sailboat with a comfortable cockpit and ample seating may be more suitable.

For long-distance cruising or liveaboard adventures, choose a sailboat with a spacious cabin, storage compartments, and the ability to carry sufficient supplies and equipment. Consider the sailboat’s durability and seaworthiness to ensure it can handle different weather conditions and navigate safely.

Understanding your purpose beforehand will save time and effort in the boat buying process by narrowing down the options to sailboats that align with your specific needs. It will also ensure a wise investment in a sailboat that brings joy and fulfills sailing goals.

Identify Your Experience Level

Identifying your experience level is crucial when purchasing a sailboat. To do this, follow these steps:

1. Assess your sailing experience. If you are a novice , opt for a sailboat specifically designed for beginners, such as a small day sailer or dinghy.

2. Consider the type of sailing you are familiar with. If you have experience in coastal cruising , look for a sailboat intended for that purpose. If you have racing experience , consider a sailboat optimized for performance.

3. Evaluate the complexity of the sailboat you can handle. Experienced sailors may be at ease with a more intricate boat that requires technical knowledge and advanced skills. Beginners should start with a simpler sailboat that is easier to handle.

4. Take into account the size and layout of the sailboat. Larger sailboats typically demand more experience and knowledge to operate. Thus, consider your comfort level and ability to manage a boat of a specific size.

Accurately identifying your experience level will enable you to select a sailboat that matches your skills and knowledge, leading to a safer and more enjoyable sailing experience.

Research Different Types of Sailboats

To research different types of sailboats, consider the following factors:

-Type: Monohull -Description: A sailboat with a single hull, offering stability and easy handling.

-Type: Catamaran -Description: A sailboat with two hulls, providing greater stability and spaciousness.

-Type: Trimaran -Description: A sailboat with three hulls, offering a balance between stability and speed.

-Type: Daysailer -Description: A sailboat designed for short trips or day sailing, usually smaller in size.

-Type: Cruiser -Description: A sailboat built for long-distance voyages, equipped with amenities for comfortable living.

-Type: Racer -Description: A sailboat designed for speed and performance in competitive sailing.

Researching different types of sailboats allows you to understand their characteristics, capabilities, and suitability for your sailing needs. Consider your purpose, whether it’s day sailing, cruising, or racing. Assess your experience level to determine if you require a boat that is easier to handle or if you’re ready for a more advanced design. Understanding the different types of sailboats will help you make an informed decision based on your preferences and goals.

Fact: According to a survey conducted by the American Sailing Association, monohull sailboats are the most popular choice among sailors, accounting for approximately 70% of all sailboats owned worldwide.

Inspecting the Sailboat

When it comes to buying a sailboat, one critical aspect is inspecting the vessel thoroughly. In this section, we’ll dive into the nitty-gritty of assessing the sailboat’s hull and deck , examining the rigging and sails , evaluating the engine and electrical systems , and checking for structural integrity and maintenance . By understanding what to look for in each of these areas, you can ensure that you make an informed decision and find the sailboat of your dreams.

Assessment of the Hull and Deck

Assessing the hull and deck is crucial when buying a sailboat. Carefully inspect the boat’s exterior and structure to ensure seaworthiness. Consider the following:

1. Hull: When assessing the hull, look for damage such as cracks, dents, or blisters. It’s important to check the alignment, symmetry, and material thickness.

2. Deck: During the assessment of the deck, make sure to inspect for soft spots or delamination, as these can indicate water damage. Check for cracks, scratches, or any needed repairs. It’s essential to ensure that deck fittings are secure and functioning properly.

3. Keel: When evaluating stability and alignment, pay attention to any keel damage such as cracks or loose bolts. Verify that it has a secure attachment to the hull.

4. Rudder: Inspect the rudder for any damage or corrosion. Make sure that it moves smoothly and has a secure attachment.

5. Deck Hardware: It’s important to assess the condition of lifelines, stanchions, and pulpits. Look out for signs of rust, loose fittings, or any wear and tear.

6. Paint and Finishings: Check the boat’s paint or gel coat, and see if there are any areas that need repainting or refinishing.

Remember to have a professional surveyor thoroughly assess the hull and deck before finalizing the purchase. Their expertise can uncover hidden issues that may impact the safety and value of the sailboat.

Examination of the Rigging and Sails

To effectively purchase a sailboat, it is crucial to carefully inspect the rigging and sails for any signs of wear and damage. Start by thoroughly examining the standing rigging , which includes the wires and cables that provide support to the mast. Assess the running rigging , which is responsible for controlling the sails. Pay close attention to the condition of the sails , checking for tears, fraying, and deterioration, including the stitching and reinforcements. Evaluate the functionality of the sail controls, such as winches and blocks, to guarantee smooth operations. It is also essential to take into consideration the age and usage history of the rigging and sails, as this will help determine whether maintenance or replacement is required. Don’t forget to inspect all hardware , including shackles, hooks, and pulleys, ensuring they are in proper condition and securely attached. For a comprehensive assessment, it is advisable to seek the expertise of a professional sailmaker or rigging specialist. Making a thorough examination of the rigging and sails will ultimately provide you with a safe and enjoyable sailing experience while minimizing the risks of unexpected expenses.

Evaluation of the Engine and Electrical Systems

When buying a sailboat, evaluating the engine and electrical systems is important to ensure the boat is in good working condition and ready for use.

To evaluate the engine, check for signs of damage or leakage and listen for any strange noises or vibrations while it is running. Test its performance by taking the sailboat out for a sea trial and ensure it operates smoothly and efficiently .

For the electrical systems, inspect the battery and charging system and make sure all components, such as lights and navigation equipment, are functioning properly. Look for any loose connections or faulty wiring that may need to be repaired or replaced.

Consider the size and needs of the sailboat when assessing the capacity of the engine and electrical systems. A larger boat may require a more powerful engine and a robust electrical system.

Check for Structural Integrity and Maintenance

When inspecting a sailboat for structural integrity and maintenance , it is important to check for signs of damage or deterioration . Examine the hull and deck for cracks, holes, or water intrusion that could compromise the boat’s integrity. Inspect the rigging and sails to ensure they are in good condition. Look for fraying or loose connections that could pose a safety risk. It is also necessary to evaluate the engine and electrical systems . Make sure the engine functions properly and all electrical components work. Test the lights, pumps, and relevant systems. Don’t forget to look for signs of regular maintenance and repairs, such as caulking or reinforcements. Assess the overall condition of the boat to ensure its structural integrity and proper maintenance .

Ensuring the structural integrity and maintenance of a sailboat is crucial for safe and enjoyable sailing experiences. By following these steps to check for structural integrity and maintenance , you can make an informed decision when purchasing a sailboat and have peace of mind knowing that the boat is in good condition.

If you are unsure about any aspect of the inspection, it is advisable to consult with a professional or experienced sailor . They can provide valuable insights and guidance throughout the process.

Negotiating and Purchasing

Whether you’re a seasoned sailor or a first-time buyer, the process of negotiating and purchasing a sailboat can be both exciting and daunting . In this section, we’ll dive into the crucial steps you need to take to secure a deal. From determining a fair price and conducting sea trials to reviewing legal documents and finalizing the purchase, each sub-section will provide invaluable insights to navigate the complex world of sailboat transactions. So, hop aboard as we sail through the ins and outs of negotiating and purchasing your dream vessel.

Determine a Fair Price

Determining a fair price for a sailboat is crucial when buying one. Here are some factors to consider:

1. Research recent sales: Look at recent sales of similar sailboats to gauge their market value and determine if the asking price is reasonable.

2. Consider age and condition: Older sailboats may have lower prices, but they may also require more maintenance and repairs. Newer sailboats in good condition generally have higher prices.

3. Assess brand and model: Some sailboat brands and models hold their value better than others. Take into account the brand’s reputation and the model’s popularity when determining the price.

4. Evaluate equipment and features: Consider any additional equipment or features that come with the sailboat, such as sails, rigging, electronics, and safety equipment. These additions can affect the overall value of the boat.

5. Consider location and demand: The price of a sailboat can vary depending on its location and the local demand. Sailboats in popular sailing areas may have higher prices than those in less desirable locations.

Remember that determining a fair price for a sailboat is subjective and can vary based on personal preferences and priorities. Thoroughly research and evaluate the sailboat before deciding on the price.

Did you know that the average price range for a used sailboat is between $10,000 and $50,000? Keep this in mind when determining a fair price for the sailboat you are interested in.

Conduct a Sea Trial and Survey

To ensure the integrity and seaworthiness of the sailboat before purchasing, it is crucial to conduct a sea trial and survey. Follow these steps:

• Make sure all systems on the boat, including the engine, electrical systems, and navigation equipment, are operational.
• Thoroughly inspect the hull and deck for any signs of damage such as cracks, blisters, or soft spots, as they may indicate underlying structural issues.
• Examine the rigging and sails for any signs of wear, loose fittings, or frayed lines.
• Evaluate the boat’s maneuverability, responsiveness, and performance in various sailing conditions and speeds during the sea trial.
• Pay close attention to any unusual noises, vibrations, or leaks while conducting the sea trial, as they might be indicative of mechanical or structural problems.
• After the sea trial, conduct a comprehensive survey of the boat’s condition. It is advisable to hire a professional surveyor for this task.
• Carefully review the survey report and discuss any significant findings with the seller. This will enable you to make an informed decision regarding the purchase.

It is a well-known fact that conducting a sea trial and survey is essential when buying a sailboat. This process provides valuable insights into the boat’s performance, condition, and any potential issues that need attention.

Review and Understand the Legal Documents

Reviewing and understanding the legal documents is of utmost importance when purchasing a sailboat. It is crucial to review and comprehend the legal documents involved in the buying process to safeguard your interests and ensure a smooth transition of ownership.

First and foremost, thoroughly examine the sales contract to familiarize yourself with the terms and conditions of the sale. This includes the price, payment terms, and any warranties or guarantees provided by the seller. It is essential to carefully review and understand this document.

It is important to be aware of any registration or documentation requirements specific to your country or state. This may involve obtaining a certificate of title or registration for the sailboat. Familiarize yourself with these requirements to ensure compliance.

Understanding the liability and insurance implications of boat ownership is also vital. Review the insurance policy to guarantee that it provides adequate coverage for potential damages, accidents, or theft. Being well-informed about the insurance terms will help you make the right decisions.

If you are financing the purchase, it is crucial to thoroughly comprehend the terms and conditions of the loan agreement . This includes understanding the interest rates, repayment plans, and other relevant details. Take the time to carefully review and understand these terms before proceeding.

To avoid any surprises, it is essential to check for liens , outstanding debts, or legal disputes associated with the sailboat. Conduct a lien search and obtain a detailed vessel history report to gather valuable information about the legal status and potential issues of the boat.

If needed, seek legal advice to fully understand all the legal obligations and responsibilities that come with owning a sailboat. Consulting with a lawyer specialized in maritime law can provide you with valuable insights and ensure compliance with all legal requirements.

Finalize the Purchase and Transfer Ownership

Finalizing the purchase and transferring ownership involves negotiating the final price with the seller based on the sailboat’s condition and value. Once a mutual agreement is reached, both parties need to sign a purchase agreement outlining the sale’s terms, including boat details and included equipment.

It is essential to arrange for a professional survey of the sailboat to assess its condition and uncover any hidden issues. Upon receiving the survey report, it is important to review it thoroughly and negotiate necessary repairs or adjustments with the seller if needed.

To officially transfer ownership, both parties must execute a bill of sale that transfers ownership from the seller to the buyer. Once the agreement is finalized, the agreed-upon funds should be transferred to the seller. It is also crucial to obtain the boat’s registration and title documents to complete the ownership transfer legally.

It is important to notify the relevant authorities and update the boat’s registration information accordingly. In order to safeguard the investment, it is advisable to consider purchasing boat insurance . It is necessary to complete any additional paperwork required by the local jurisdiction or sailing club to ensure a smooth and legally compliant transaction.

Preparing for Ownership

As you dive into the exciting realm of sailboat ownership, it’s crucial to start on the right foot by adequately preparing yourself. To ensure a smooth transition into becoming a sailboat owner, we’ll cover a range of essential aspects. From arranging transportation and insurance, finding a suitable dock or marina, stocking up on equipment and supplies, to familiarizing yourself with maintenance and safety procedures – we’ve got you covered. Let’s set sail on this journey towards becoming a knowledgeable and well-prepared sailboat owner.

Arrange for Transportation and Insurance

When buying a sailboat, it is important to arrange for transportation and insurance to ensure a smooth and secure process.

In order to arrange for transportation, it is recommended to research reputable companies or services that specialize in transporting sailboats. Take into consideration factors such as distance, cost, and transporter experience.

When it comes to insurance, obtain quotes from different providers. Reach out to insurance companies for sailboat insurance quotes and provide the necessary information about the boat, including its value, size, and features. Compare the quotes to find the best coverage at a competitive price.

After obtaining the quotes, it is crucial to choose an appropriate insurance policy. Review the coverage options offered by different insurance providers, considering liability coverage , damage or loss coverage , and any additional benefits or exclusions. Select a policy that fits your needs and budget.

Completing the necessary paperwork is an important step. Fill out all the required forms and provide the required documentation for transportation and insurance. This includes providing details about the boat, such as measurements and ownership information, as well as any necessary permits or licenses.

Before proceeding, it is essential to confirm all the details. Double-check all arrangements and ensure that the transportation company is aware of the schedule as well as any special instructions or requirements. Review the terms and conditions of the insurance policy to fully understand the coverage and any additional requirements.

It is recommended to coordinate with the transporters throughout the transportation process. Maintain regular communication with the transportation company to stay updated on the progress and ensure a smooth delivery. Provide any necessary assistance or information to facilitate the transportation process.

It is advisable to monitor the sailboat’s location and progress during transportation. Stay in touch with the transporters and address any concerns or issues promptly. Keeping track of the sailboat ensures a smoother process.

Once the sailboat is successfully transported, activate the insurance coverage to protect your investment. Keep all the necessary documentation and contact information readily available for future claims or inquiries.

Find a Suitable Dock or Marina

Research docks and marinas in your area to find a suitable dock or marina that meets your needs. Look for facilities and services like fueling stations, boat ramps, and amenities such as restaurants or shower facilities. Consider the convenient location of the dock or marina near your home or other frequented places. Ensure it is easily accessible by road or public transportation. Look for a dock or marina that offers adequate security measures like surveillance cameras or secure access gates to ensure the safety of your sailboat. Consider the size and depth of the dock or marina to ensure it can accommodate your sailboat and provide sufficient water depth for your boat’s keel. Check the availability and cost of slip rentals and compare prices and services offered by different docks or marinas to find the best option for your budget. For an insider perspective, visit the docks or marinas in person to experience the atmosphere and meet other boaters. Talking with experienced boaters can provide valuable insights and recommendations for finding the most suitable dock or marina for your sailboat.

Stock Up on Essential Equipment and Supplies

When purchasing a sailboat, it is crucial to stock up on essential equipment and supplies to ensure a safe and enjoyable sailing experience. Life jackets are of utmost importance and it is necessary for everyone on board to have a properly fitting one. They play a vital role in ensuring the safety of all passengers in the event of an emergency. Equip your sailboat with navigation tools such as compasses , charts , and GPS systems to accurately navigate and avoid potential dangers. It is essential to have safety equipment like first aid kits , fire extinguishers , and flares readily available on board to handle emergencies and ensure the well-being of everyone on board. It is also recommended to invest in mooring lines , anchors , and fenders to securely dock or anchor your sailboat, protecting it from damage and maintaining stability. It is important to have communication devices like VHF radios or satellite phones available on board to stay connected with other vessels and emergency services. According to a survey conducted by Sail Magazine , having the right safety equipment on board significantly increases the chances of a successful and accident-free sailing trip by 80%.

Familiarize Yourself with Maintenance and Safety Procedures

When buying a sailboat, familiarize yourself with maintenance and safety procedures. Here are the steps:

1. Learn regular maintenance tasks such as checking the hull for damage and cleaning the deck.

2. Understand proper procedures for rigging the sails , including hoisting, reefing, and stowing.

3. Familiarize yourself with the engine and electrical systems, including starting, stopping, and basic troubleshooting.

4. Educate yourself on structural integrity and maintenance, including inspecting the boat for wear or damage and performing repairs.

5. Strengthen your knowledge of safety procedures, such as navigating in different weather conditions, using safety equipment, and responding to emergencies.

6. Regularly practice drills for emergency situations, such as man overboard or capsize scenarios, to ensure you and your crew know what to do.

By familiarizing yourself with these procedures, you can ensure proper upkeep and the safety of everyone on board.

Some Facts About How To Buy Sailboat:

• ✅ There are many types of sailboats, and it’s important to choose the right one based on your intended use, experience, and aspirations. (Source: discoverboating.com)
• ✅ Before purchasing a sailboat, create a budget that includes not just the purchase price, but also ongoing expenses like berthing, registration, insurance, and maintenance. (Source: discoverboating.com)
• ✅ Consider factors such as accessibility, including the distance to the slip or the time needed to tow the boat to the launch ramp. (Source: discoverboating.com)
• ✅ Inspect the boat thoroughly before making a purchase, and consider hiring a marine surveyor to provide a detailed report on the boat’s condition. (Source: asa.com)
• ✅ Research is crucial in understanding the different types of sailboats available and their features, so reading reviews, checking forums, and talking to experts is recommended. (Source: asa.com)

Frequently Asked Questions

What should i consider when closing the deal on a sailboat.

Closing the deal on a sailboat involves signing a purchase agreement and transferring funds. It is recommended to work with a reputable broker or attorney to ensure all paperwork is completed correctly and the purchase is legally binding.

Why is it important to know the boat’s history when buying a sailboat?

Knowing the boat’s history is important to understand its previous ownership, maintenance, repairs, and any potential issues. This information can help you make an informed decision and avoid buying a sailboat with hidden problems.

Are there any benefits to keeping a sailboat in your back yard?

Keeping a sailboat in your back yard can provide convenience and cost savings. It allows easy access to the boat and eliminates the need for expensive marina storage fees. You should check local regulations and consider the space and equipment needed for storage.

How does the boat’s gear affect the cost and maintenance of the vessel?

The boat’s gear, including navigation systems, rigging, and safety equipment, can affect the cost and maintenance of the sailboat. Upgrading or replacing gear can be costly, so it’s important to assess the condition and functionality of the existing gear before making a purchase.

Is it advisable to start with a small and simple sailboat as a beginner?

Yes, starting with a small and simple sailboat is advisable for beginners. It allows you to learn the basics of sailing and gain confidence before moving on to larger and more complex boats. This approach can also be more affordable and less overwhelming for beginner sailors.

How can a marine survey help in assessing the condition of a used sailboat?

A marine survey conducted by a professional surveyor provides a detailed report on the condition of a used sailboat. It helps identify any structural issues, mechanical problems, or safety concerns that may not be apparent during a visual inspection. A marine survey can guide your decision-making process and give you peace of mind when buying a used sailboat.

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Rochford, (United Kingdom)

CLARKE & CARTER YACHT BROKERS

The Trader 41+2 is now considered a modern classic in the world of motor yachts, offering excellent accommodation along with good seakeeping and economy. Witch Lady combines these desirable qual...

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ABOUT LIVEABOARD BOAT

What is a liveaboard boat? The definition of this type of boat is typically a boat that someone makes their primary residence. All types of boats for sale could be classed as a liveaboard boat. For example a powerboat or cruising sailboat , houseboats , or barges , even narrow boats . Some interesting types of liveaboard boats may be ex-commercial boats .

Liveaboard is becoming a real trend worldwide and many new manufacturers are in the market building stunning, affordable floating homes. Luxury liveaboards can also be used as weekend retreats, holiday homes and there are many other opportunities to earn an income from your liveaboard, making life on the water an excellent prospect.

Project boats are a good way to start your journey into finding your perfect liveaboard boat. We have many new and used liveaboard boats listed on Rightboat.com, take a look!

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If your dream is to live aboard a yacht , United Yacht Sales has the inventory to connect you with the perfect boat. We feature more than 1,000 listings at any given time. You can always find a huge selection of live aboard yachts for sale in Florida. These live aboard yachts are made by a number of top brands, including Hatteras , Viking , Sea Ray , Tiara , Sunseeker , Kadey-Krogen , and more. Our inventory also represents a variety of dimensions, ages, amenities, price points and other characteristics and features.

PRE-OWNED Live Aboard Boats

70' Hatteras 1988

Stuart, Florida, United States

63' Viking Motor Yacht 1989

Little River, South Carolina, United States

55' Viking 55 Convertible 2013

Pensacola, Florida, United States

55' Novatec 55 Islander CMY 2002

North Myrtle Beach, South Carolina, United States

54' Hatteras Motoryacht 1987

Savannah, Georgia, United States

54' Sea Ray Sundancer 2013

Cancun, Mexico

53' Hatteras 53 Motor Yacht 1980

Mystic, Connecticut, United States

52' Hatteras Sport 1999

Miami Beach, Florida, United States

INSPIRATION II

51' Riviera 51 Flybridge 2008

Marathon, Florida, United States

50' Absolute 50 Fly 2019

Manhattan, New York, United States

50' Custom Trawler 1991

50' Carver 506 MY 2000

Richmond, British Columbia, Canada

BORN TO BE WILD

48' Sea Ray 48 Sundancer 2008

North Miami, Florida, United States

48' Californian 48 Motor Yacht 1986

North East, Maryland, United States

48' Fairline Targa 48 GT 2015

• Page 1 of 5

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How We Can Help?

Founded in 2002, United Yachts Sales has grown to become the largest independent yacht brokerage in the world. In addition to our 1,000-plus listings, we have a team of more than 100 brokers spread across the United States and Canada. These brokers are experienced and knowledgeable, and each is more than capable of helping you find the perfect live aboard yacht for sale in Florida. Our team's talent is evidenced by our results - each year, about 600 transactions close representing about $100 million. When you want a live aboard yacht, we know how to find and secure it for you.

Take a moment to read our article, Liveaboard Boats Frequently Asked Questions and then let us know if you have any of your own!

You can read more about 7 unique liveaboard boats and yachts that are currently for sale on the market.

Browse our selection of live aboard yachts for sale in Florida and contact the listed broker to get more details or ask questions. If you don't see a yacht that meets your needs, contact one of our United Yacht Sales brokers directly. We can watch the market for a boat that better fits your requirements.

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My Cruiser Life Magazine

Average Cost of Owning and Buying a Liveaboard Sailboat

Dreaming of quitting the 9-to-5 and sailing away into the sunset? Are you wondering if it’s an unattainable lifestyle of the rich and famous, or if it’s something that anyone can do?

Like any lifestyle, the cost of living on a sailboat can vary considerably depending on your choices. Where you want to keep the boat, whether you live at a resort-style marina or rough it out “on the hook,” and even how often you eat out all contribute to your monthly living expenses.

When researching the liveaboard lifestyle, one thing to consider first is that your actual lifestyle isn’t likely to change much just because you live on a boat. For example, your grocery budget will likely remain the same, assuming you’re not changing your geographic region very much. Likewise, if you’re keeping your vehicle, you’ll still have the same car expenses. So don’t assume that living aboard means instant money savings.

This concept has been promoted online by folks who want to embrace a minimalist lifestyle. If that’s your goal, you may find that living aboard saves you money. But most people do not save money by buying a boat.

Here’s a look at some of the costs that you can anticipate just to get started – to live on a sailboat, you’ll need to buy a sailboat, after all.

Table of Contents

Initial purchase cost, estimating the value of a boat, buying new versus buying used, it costs what it costs, “project boats”, repairs and regular maintenance, slip/mooring, fuel and consumables, is the cost worth it.

Did you know that there’s an easy way to make a small fortune when you buy a boat? It’s actually very easy—all you need to do is start with a very large fortune!

Jokes aside, boats are expensive, and they’re complicated to purchase. They’re built with a host of complex systems, and their construction and materials are foreign to non-boaters. Were you to inspect an old house, you’d immediately recognize things that are not as they should be—because you have been living in houses your entire life, after all. But on a boat, you are more or less clueless.

So the first step of buying a boat is to be careful and do your homework. Every boat purchase should be subject to a survey and sea trial—these are the minimum requirements for financing and insuring a vessel. Even if you are paying cash and planning to self-insure, a survey can save you thousands (maybe tens of thousands) of dollars.

So you want to do a little dreaming and find your next boat. How do you find possible vessels? Most people surf on over to Yacht World . This is the largest international listing website of brokerage boats in the world, and it’s the best place to start. To be listed there, a boat must be listed with a broker. If you want to compare with for sale by owner boats, check out Sailboat Listings .

Of course, these sites are posting the asking price. The contracted price is harder to pin down, but like home prices, you can estimate that it is usually somewhere around 80 percent of the asking price. This is a generalization, but it usually holds true. Remember that for sale by owner vessels are “saving” themselves 10 percent in broker commissions, which may or may not be reflected in their asking prices.

The typical purchase process for boats progresses from the initial offer and contract to the survey and sea trial. The surveyor will figure out a market value for the vessel after inspection, much like the appraiser does during a home sale. If the surveyor’s value is considerably different than the contracted price, things will get renegotiated. No finance company is going to agree to finance a vessel for more than its surveyed market value. Obviously, this process protects buyers to some extent as well.

So, how does a dreamer figure out how much they should pay for a boat? Here are a few tips.

• The condition of the vessel, its year, make, and model determine its market value
• Consider engaging a “buyer’s broker” who can work with you and help you find the right boat and nail down the right offer to make
• Compare asking prices from the various online marketplaces and figure out the average price for a specific year, make, and model of vessel
• Installed equipment usually does not affect a vessel’s value as much as a seller would like to think it does
• Even on sailboats, the single most expensive piece of equipment on board is the engine—newer and lower time engines will boost value more than anything else
• Just because upgrades and improvements have been made does not mean that they have been done well or done professionally
• There is no way, other than by careful inspection, to find out if a boat has a damage or salvage history
• A boat’s geographic location greatly affects the market value—a boat in the Caribbean is worth less than a boat in the US
• Tax issues arise when purchasing a vessel overseas—expect to pay duty in your home country for importing it or taxes to keep it elsewhere
• For US buyers, taxes on vessels varies dramatically from state to state (some counties even levy annual personal property taxes on vessels)
• NADA Guides publishes an extensive list of used boat values, although their accuracy is somewhat limited.

As you might expect, buying a boat is a little like buying a car. Should you buy new or used? You can save some money by buying used, but then you might face repairs and upgrades that a new boat wouldn’t need.

Still, brand new vessels need outfitting before they’re ready to go. Unlike cars, owners customize their boats with a host of systems and upgrades after leaving the factory. Boats seldom roll-off (float off?) the assembly line ready to cross an ocean. They usually need lots of extra work and gear to get them ready to go.

One disappointing fact that has been observed again and again is that new boats are seldom even seaworthy. Factories rush production and use some low-quality parts here and there. The first year of ownership is often spent troubleshooting and repairing brand new systems. This disappointing fact of life has played out repeatedly for owners of new boats, no matter the size or type of boat. Some manufacturers are better than others, but even the premium manufacturers have this issue.

Most experienced boaters will tell you that the sweet spot is a used boat that’s only about five years old. First, this means that the immediate loss of value after leaving the factory has occurred. Second, it also means that it has been used enough to work out all of the bugs, but the equipment is still new enough not to need replacement.

Once you get into vessels that are more than ten years old, significant components will need to be replaced. The mast’s standing rigging and the sails, as examples, usually have about a ten-year service life if they’re used a lot. The engine will probably last 15 to 20 years, depending on how many hours it has on it and how well it has been cared for. Unfortunately, many sailboat motors are severely neglected.

One last parting thought about boat values – it costs what it costs.

Let’s use an example. Say you became enamored with the Cabo Rico 38, a semi-custom full-keel cruiser with an outstanding bluewater reputation, stunning woodwork, and excellent construction quality. On Yacht World, there is a wide range of CR38s. Some need a lot of work and are priced under $50,000. Some are over $125,000, and these are meticulously maintained, and most have been repowered with new engines. The average cost of these boats is somewhere in between the two.

The moral of this lesson is simple—if you want to own a meticulously maintained CR38 with a newer engine, it will cost you over $120,000. Of course, you could pick up a “bargain” for $40,000—but you’ll wind up putting $80,000 or more into the boat to get it where you want it. Plus, it will take you a few years and a whole lot of aggravation to do so.

By this calculus, boats on the higher end of the price spread are the real values. If your goal is to go boating or liveaboard, these boats will get you on the water quicker and have fun faster. And in the end, you’ll have spent the same amount of money getting there as the person who bought that $40,000 boat and spends five years getting it to be as nice as the $120,000 boat you bought.

Many arguments can be made against this line of thinking. What if you do your own work? Many boat owners save tens of thousands of dollars by completing their own projects. But DIY boat work is often grueling and often still requires thousands in special parts and tools. Plus, this “savings” of this approach only works out if the person has the time to spare – remember that there’s a high opportunity cost when taking on major unpaid projects!

Overhaul or Refit Costs

So, now that you have some ideas of the initial purchase price, you have a rough idea of how much it will cost to get your hands on the boat of your dreams. But then you know it will need some work to make it liveaboard-ready—and maybe even more work if you want to travel extensively.

So how do you figure out how much that will cost. Before you dive into specific projects, it’s helpful to have a rough estimate in mind.

There is an old rule of thumb that has proven itself accurate many times over. If you have X dollars saved for the purchase of your vessel, you should only spend 50 percent of X on the initial purchase. You’ll then have half left over for overhauls, upgrades, repairs, and general enjoyment.

It’s easier said than done. When you’re first shopping, the $50,000 boats are going to look a lot nicer than the $25,000 boats. But if you can find a good value on a $25,000 boat that suits your needs, imagine how nice you can make it with $25,000 to spend on maintenance. So as hard as it is to follow, this rule really does work out in the end.

The rule doesn’t work well with the $5,000 junkyard boat, however. This vessel will require a lot more than another $5,000 to get back in shape—this $5,000 heap is a Project Boat.

The Project Boat is a much-debated topic amongst boaters. Are there bargains to be had out there if you’re willing to put in a little elbow grease? Or are they all just money pits, waiting to gobble up not only your hard-earned dollars but your patience and passion for boating, too?

The answer is, they are both out there.

Someone who has spent a decade or more on different boats can walk into a boatyard and pick out one particular sorry-looking wreck. They can purchase it for a song, put in a few months of hard work and new parts, and come out with a seaworthy and liveaboard-ready sailboat.

But one thing is sure—this story is the exception to the rule. Here’s what happens far more often. Someone falls in love with what a boat could be. They love its lines, its layout, the designer, or the model’s reputation. Whatever it is, they’re enamored with it, and they can see themselves sailing the Seven Seas on this beautiful vessel. So they purchase a wreck to find that dream boat—and you may have a clue as to how this story ends.

Inevitably, they have underestimated just how much work it will take to get the boat they’re purchased onto those Seven Seas. Sometimes it’s an underestimate of money—other times of the time it will take. Often deeper problems are found once the project is begun, and the project list grows exponentially.

So what’s the moral? If you’re new to boating, do not fall for a Project Boat. You want a boat that is floating, and that is in decent condition. It should not need any major repairs or upgrades. All of its systems should function and only need routine maintenance. Don’t worry–you’ll still have plenty of projects to do on a non-Project Boat.

All boats are projects. But if you see a boat actually labeled as a Project Boat, the best thing to do is to run away as fast as you can.

Other Costs Related to Ownership

Once you’ve got the boat in your hands, and you’ve done all the work to make it safe and livable, now comes the routine costs of ownership. Like owning a home, a boat has some built-in costs.

Boats break – a lot. Most owners say they spend about ten percent of their purchase price on maintenance annually. This number seems a bit high, but it depends on the sort of vessel you purchase and how old it is. The older the boat, the more likely you are to approach the ten-percent number.

Here’s an example of one significant expense that new boaters need to know about is bottom maintenance. The bottom of a liveaboard boat is coated with special paint to inhibit marine growth. The paint needs to be reapplied occasionally, sometimes as often as once a year.

Bottom paint is the perfect example of a boat maintenance project that will sneak up on you. First, you have to haul out the boat to do it, which usually means at least a few hundred dollars for the travel lift and yard fees. A few gallons of bottom paint and rollers will cost you another few hundred dollars.

It will probably take you two days on your own to apply two new coats of paint. It’s a messy job, but not unlike painting the sides of a house. Now, if you hire the yard to paint it for you, it will cost you another $80-100 per hour in labor.

So like all boat projects, you can spend two days of your own time and $500 or pay $2,000 for the yard to do everything.

The numbers are approximate and vary from place to place, but the point is that you can save money on things by doing them yourself, which reduces your cost of boating. If you’re paying the yard to do all the work all the time, it’s very easy to spend ten percent or more annually on repairs and maintenance.

Slips for liveaboards are sometimes hard to find. If your goal is to live aboard your boat at a marina in a specific area, you should start shopping for slips before you buy the boat. You may discover that there are years-long waiting lists before you could achieve your dreams.

If you’re flexible and don’t mind moving around a little bit, you’ll have more luck. Some parts of the country are much more “liveaboard friendly.” And where you find more choices for liveaboard slips, you will likely find better slip prices.

For a 40-foot liveaboard boat, you can easily spend anywhere from $300 to $2,000 per month for a slip, simply depending on where you are based.

If you aren’t tied to a dock, costs can be lower. Some places have moorings available. In some places, it may be suitable to anchor or set up your own private mooring. You’ll need a dinghy for shore access. But if you can get by without shore power, living on a mooring or at anchor is more private and pleasant than being tied to a dock anyway.

Interested in liveaboard marinas in Florida , visit our guide!

In the US, you’ll be responsible for sales and use tax on your vessel to your state. Most people pay the sales tax at purchase and are done. But if you bring a vessel into a different state and keep it there for a while (usually more than 90 days), that state may also collect use tax.

There are also a few municipalities that collect personal property tax on the assessed value of your boat as if it were a home. This is usually done at the county level and is only common in places where many liveaboards frequent. It’s worth ensuring that your county isn’t one of them before you get an unexpected tax bill.

Like a car, you can ensure your vessel for its hull value or simply for liability coverage. Liability coverage doesn’t cost a lot and is the bare minimum you should have to operate—plan on spending a few hundred dollars per year.

You’ll also want to have some towing coverage. Both SeaTow and TowBoatUS offer services in the US. It costs about $150 per year to be a member. If you aren’t a member, a single tow bill can easily be well over $1,000.

Hull coverage may be harder to find on older vessels. As a rule of thumb, coverage runs about one percent of hull value annually—but this varies considerably depending on your location.

Hurricane-prone areas will have the highest insurance costs, especially for full hull value coverage. Many owners choose to spend hurricane season outside of the typical hurricane zone. Doing so can save thousands of dollars per year on insurance coverage. Most policies have a named storm deductible, as well.

Finally, insurance can be challenging to get for a new-to-you vessel. A lot depends on your prior boating experience. If you have none, you might have to spend time with a training captain before the insurance company will underwrite your coverage.

The actual operating costs of a sailboat are minimal. Even if you motor everywhere you go, sailboats tend to burn one gallon of diesel per hour or less. Most people don’t motor that much anyway–unless they’re going on a long trip on a windless day. Water and power are typically included in slip fees, although you may find places where either one is metered.

Boats are expensive, but crunching the numbers should make you feel better about it. Many people sell their homes to finance their dreams of a liveaboard sailboat. This provides a lump sum of cash that anyone can turn into a life on the water.

Keep in mind that boat life is neither cheap nor easy. If you’re looking for the cheapest accommodations possible, sailboats are about the hardest and most expensive way to go about doing it.

But if you’ve got a little cash squirreled away, and a life afloat is calling your name, there is no substitute for moving off of the land.

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.

Buying a liveaboard boat

Living on a boat full time is both an incredibly rewarding and challenging experience. Complicated boat systems need specialized maintenance, the space is much smaller than your typical apartment, and you have to get very creative with storage. But the ability to take your home anywhere, get up close and personal to nature and wildlife, and live an alternative lifestyle with a waterfront view make up for any inconveniences. If you’re exploring buying a liveaboard boat, this guide will help you start to narrow in on the characteristics that will work best for you, how much you might expect to spend, and where to look for a boat.

What makes a good liveaboard boat?

This article isn’t about the merits of sailboats vs. powerboats or monohulls vs. catamarans. Technically any boat could be a liveaboard boat, and the key considerations are more about you and your desired lifestyle than anything else. To narrow in on your search for buying a liveaboard boat, answer these questions for yourself:

• Where do you plan to live on your boat? A good liveaboard boat for Florida might not cut with the hull and deck insulation you would need in Alaska.
• How much space do you need? Consider headroom, people on board, storage space, if you want to have guests, your comfort level maneuvering, moorage costs by slip size, etc.
• How do you plan to use the boat? Do you want a place to live at the dock, or do you also want to explore? Do you plan on staying local or taking your boat across oceans?
• What resources can you contribute? Money, time, and knowledge are all important here. For example, a sailboat has lower costs, but it also takes longer to get places. A project boat means upgrades, which always requires varying combinations of money, time, and know-how.
• What can’t you live without from your land lifestyle? Fridge/freezer/ice maker? Dedicated shower stall? A place to watch TV? Counter space in the kitchen? Lots of natural light?

How much money do you need?

Buying a liveaboard boat ain’t cheap, but it isn’t unattainable either. It’s impossible to say exactly how much it costs to buy a liveaboard boat, since the price range really comes back to the location, size, and how you plan to use your boat. Start by answering these questions for yourself and narrow in on your criteria. If you would be comfortable in a small boat or plan to never leave the dock, you will have far more affordable options.

OUR EXPERIENCE In our case, we wanted a boat in Seattle (a pricier place to buy boats), 40-50 feet, built for offshore, used but not a major project boat, and comfortable. After looking at many local boats, we realized our $40K budget wasn’t going to cut it. We ultimately raised our budget to $100K and expanded our search radius into British Columbia, Canada and down the U.S. coast.

If you’re interested in financing your boat like we did, our biggest advice is to start talking to banks early to determine how much you can get a loan for. This might very well determine your budget for you or force you to hold off a while longer. Use your best judgement if you want to reveal you plan to live on board or not – many banks won’t offer a loan for a liveaboard boat. Also plan on footing a 10% down payment of the purchase price (pre-tax).

OUR EXPERIENCE We chose to approach buying our boat like we would if we were planning to buy a condo and opted to apply for a loan to finance nearly the entire cost. It turns out this was one of the biggest obstacles for us. Many banks turned us away because we had never taken a loan of a comparable size before (apparently our student loans didn’t count) which was a chicken and egg situation for sure. In the end, we found a bank that would loan to us up to $100K.

When you purchase a boat, you also have to pay sales tax. It’s important to know that the sales tax will be applied based on where you will register the boat, not the city or state where you purchase the boat.

Delivery costs

If you’re looking at boats outside of your immediate area, you have options to 1) have the boat put on a truck and driven to you, 2) put on a cargo ship and delivered to you, 3) hire a professional captain and crew to bring the boat to you, or 4) move the boat yourself. Three out of four of these options are expensive as hell if there’s any significant distance – plan accordingly.

Other expenses

How much it costs on the day-to-day to live aboard is a whole other topic, one that we’ll write about more in depth in another post. That said, when planning for your initial budget to buy a liveaboard boat, consider your expected monthly costs such as the cost of moorage in your area, insurance, registration fees, storage unit, and diesel/shore power/propane/etc.

Maintenance and upgrades

Revisit the questions of how you plan to use the boat and what kind of resources you can contribute. These two questions will help guide how much you can expect for maintenance and upgrades for any given boat and will help determine if a boat is within the threshold of resources you can commit to getting it to meet your lifestyle needs. Keep in mind, a project boat can often seem tempting, but the price of making repairs and upgrades yourself can well exceed the amount you could pay for a boat that already has the elements you want.

Where to look when buying a liveaboard boat

Online is a great place to start. Sites like YachtWorld are our favorites, but you can also find many boats worth looking at on Craigslist. To get a sense of what features might be important to you, go to boat shows – walk through the featured boats to better get a feel for size and space.

Recommendations

Could you live on a stark race boat? Yes, totally, but you’ll probably get tired of that pretty quick! Having enough comforts is key to making the liveboard life sustainable for the long haul. Our beyond-the-basics recommendations for amenities to look for when buying a liveaboard boat include:

• Two functional heads
• Fridge and freezer
• Ample storage
• Entertainment area
• Large owner’s cabin
• U-shaped galley
• Large cockpit
• Headroom throughout

For more details on the boat we chose, read about Constellation , our 1991 Freedom 45 Center Cockpit sailboat.

Photo credit and boat specs – Sailboat Data

Liveaboard Sailboat Budget: A Complete Guide

Last Updated by

Daniel Wade

June 15, 2022

Living aboard a sailboat can be a cost-effective lifestyle, but only if you budget smart, predict expenses, and plan ahead.

In this article, we'll go over the basics of budgeting and what to consider when planning your finances as a liveaboard. We'll also cover the most common expenses that are unique to sailboats, along with how to save money and budget accordingly.

As a liveaboard, you'll need to budget for slip fees, fuel, maintenance, utilities, repairs, and supplies. You'll also need to factor in registration fees and mandatory safety equipment that has a limited service life.

We sourced the information for this article from marinas, maintenance records, and from our experience with sailors who live aboard their boats. Other information was sourced from financial experts experienced in budgeting.

Table of contents

Budgeting Basics

Budgeting is one of the simplest and most important aspects of money management. They don't teach it in schools, but it can be the difference between living well and falling behind. This is especially true on a sailboat because a well-budgeted liveaboard can enjoy a level of financial independence unrivaled by traditional housing.

Before we dive into the specifics of budgeting on a sailboat, we will cover some of the basic rules of managing money. This will make it easier to manage your finances in the unique liveaboard environment.

Managing Income, Savings, and Expenses

One of the most important rules of budgeting is to be aware of what's going on in your personal finances. You need to figure out how much money you're making, how much money you have, and how much money you're spending.

One way to get a handle on your finances is to audit your bank statements. Figure out how much you're taking home, when your bills are due, how much they cost, and what you have leftover. This includes things such as credit card bills, loan payments, utility expenses, rent, and other recurring expenses.

Once you have a handle on your finances, keep track of them regularly and look for ways to save. This is how you can safely determine how much you can afford to spend.

Emergency Fund

Everyone, especially liveaboards, should have an emergency fund if they can afford it. An emergency fund is a chunk of change that you don't touch unless you absolutely need to. For most people, $10,000 is the ideal emergency fund balance. It can cover everything from emergency medical bills to job loss, and it can also cover expensive sailboat repairs.

Budgeting on a Sailboat

Many people choose the liveaboard lifestyle because they believe it saves money. That's said, poor financial management can make living aboard cost more than living in an apartment or house. Proper budgeting and regular upkeep are essential to keep your liveaboard lifestyle affordable and comfortable.

Budgeting on a sailboat follows the same basic principles as any other kind of budgeting. However, the specifics are different, as a sailboat is a floating vehicle that has unique maintenance and living requirements.

Boat Payments

Many people make payments on their boats. Financing a liveaboard sailboat is common practice, and you should budget these payments the same way you'd budget a car payment or even the mortgage. Be sure to factor in boat payments when making your budget, as it should be a top priority when cash is tight.

Boat Insurance, while not mandatory in most places, can actually make your budget more secure despite the recurring expense. Sailboat insurance is generally inexpensive and rarely costs more than a few hundred dollars per year.

It provides peace of mind and protection from accidents that can easily cost thousands. Part of budgeting is preparing for unexpected costs, and boat insurance can eliminate one of the largest emergency boat expenses.

Cruising vs. Permanent Mooring

How do you plan on using your sailboat? A moored sailboat has vastly different requirements than a cruising sailboat. Cruising, whether short or far, requires several additional resources that you'll need to budget for. Remember, these requirements are in addition to regular maintenance, which will cover later in this article.

Up-to-date navigational equipment is essential if you plan to cruise on your sailboat. In the 21st century, people rely primarily on digital navigation systems when setting sail. The old tools and methods are important but less expensive to acquire, so we'll focus on Modern systems.

The most basic modern GPS chart systems cost between $250 and $1,000. These systems become obsolete somewhat quickly, so you should plan to update them once every five or ten years. More advanced navigation instruments, such as radar, last longer but cost significantly more. If you intend to use radar, plan to spend between $1,500 and $3,000 for the system and occasional maintenance.

Another consideration for cruising sailboats is rigging. In this case, we'll also include items such as sails, furling systems, winches, and other working hardware that's necessary for sailing.

Plan for regular maintenance and occasional replacement, as the consequences of rigging failure can be catastrophic. Be sure to budget for replacement canvas, tools, stays, lines, and other items that need attention before (or after) getting underway.

Dockside Liveaboard Budgeting

If you plan on spending most of your time at the dock, you don't have to worry as much about rigging and operational expenses. Instead, your expenses will likely resemble those of living in an apartment or a house.

Docking Fees

Docking fees, or slip fees, are the expenses paid to dock your boat at a marina or yacht club. Docking fees vary widely between states, cities, and establishments. Usually, docking and slip fees are calculated by an overall boat length. Additional expenses may apply to unusually wide boats, such as catamarans and trimarans.

You should budget slip fees the same way you budget a rent payment or a mortgage. Similarly, if you fail to pay your dock or slip fees, your vessel could be evicted from its mooring. Slip fees should be a top priority on your liveaboard sailboat budget.

Utilities include everything from electricity to freshwater. These connections are available only on the dock, though sailboats can generate their own electricity using their engine, solar panels, wind turbines, and other sources. Liveaboards typically connect to shore power, water, and sewage, as it requires virtually no initial expense.

Budgeting for utilities is typically fairly easy for liveaboards. This is because shore connections are often included in the price of mooring. If they're not included, you can talk to the marina and get an idea of how much you'll spend.

Fuel expenses are also a factor for liveaboards, even if they rarely move the boat. This is because fuel includes both gasoline or diesel for the engine (which should always be operational) and also propane or kerosene for heating and cooking.

Some boat stoves and heaters use mineral spirits (alcohol), so that should also be considered. There are no hookups for cooking and heating fuel at marinas, so it must be hauled in manually.

If you live aboard in an area with cold weather, such as the Pacific Northwest or the Northeast, you should allocate a considerable amount of your budget to heating fuel. Additionally, consider converting your appliances to run on the same fuel. For example, if you have a kerosene stove, consider installing a kerosene heater as well. This can simplify the budgeting process as only one fuel type has to be acquired.

Maintenance

Apart from slip fees, maintenance is likely the largest expense you'll need to budget for. It is also incomparable to home maintenance, as very few of the same tasks apply. Regular maintenance is essential and will prevent costly repairs down the line.

Safety Equipment

The U.S. Coast Guard requires several pieces of safety equipment to be aboard your boat at all times, whether moored at a marina or out at sea. Many of these items have a limited service life and must be checked and replaced regularly. These items include fire extinguishers, life jackets, flares, among others.

Engines are the source of some of the highest maintenance expenses aboard a sailboat. This is especially true for inboard motors, which must be maintained in tight spaces. It's essential to keep your engine running well. Oil changes, cooling system inspections, repairs, and filter replacements must occur regularly.

The hull of a sailboat is a magnet for undesirable sea life, such as barnacles, muscles, and other growth. Though the hull itself is quite resilient, marine growth can weigh down the boat, immobilize the propeller, damage the rudder, and cause other issues, especially while underway. The hull must be scraped and painted periodically, which can be considerably expensive. This should be included in the budget once every year or two.

Additionally, oxidation occurs on fiberglass hulls which need to be addressed periodically. This process can be done about the waterline and does not always require hauling out. Refinishing kits are available, and you can do it yourself to reduce the cost.

The deck is another source of maintenance costs that are often overlooked. The cost time required to maintain your deck depends on what kind of deck you have. A teak deck, for example, can be maintained yourself, but it's more labor-intensive than a fiberglass deck. Be sure to factor in the cost of chemicals and tools when budgeting for deck maintenance.

Wiring typically doesn't require maintenance in the traditional sense, though it will need to be serviced periodically. Marine electrical systems required fuses, bulbs, and other items that deteriorate faster in a saltwater-rich environment than they do on land. Factor in a few hundred dollars per year for miscellaneous electrical parts.

Hauling Out

Hauling out is an essential part of hull maintenance that's costly enough to include as a separate category. Your vessel will need to be hauled out once every couple of years to scrape and paint the bottom, along with performing any repairs that can't be done in the water. Hauling out is an extensive process that can cost several thousand dollars, but it isn't required very often.

Chemicals are surprisingly expensive and must be budgeted accordingly. Items such as fiberglass and resin, which are essential aboard any sailboat, can cost upwards of $100 per gallon. Several gallons could be required to complete a repair job.

Other compounds, such as paint, spar varnish, and cleaning supplies, should also be factored in. In most cases, $1,000 per year or so should cover most chemical expenses. Storing chemicals properly helps preserve them and reduce costs over time.

Most liveaboards agree that you should have a few grand tucked away for repairs each year. Things break on a sailboat, and this is especially inconvenient if the vessel doubles as your home. We've already covered chemicals for fiberglass repair, so let's go over some of the other sources of surprise repair costs.

Pipes and Plumbing

Plumbing issues are common on sailboats. Leaky showerheads, clogged toilets, and tank issues happen occasionally and must be repaired. Luckily these issues are usually not particularly expensive or complex to fix.

Sailboats must furnish their own water pressure and include systems the pump out the bilge. Potable water pumps and bilge pumps are electric and have a limited service life, which means you'll need to replace them eventually.

Cabinets, doors, gimbals, and other interior furnishings break from time to time. Budget a few hundred dollars each year for wood, stain, hinges, screws, and other miscellaneous hardware to repair interior fixtures if they break.

Leaks occur on sailboats; it's just part of life. Leaks are also the most annoying problems to fix and can be very costly and urgent. It's best to factor in some of your savings to repair leaks in the hull and the deck. Don't ignore leaks around portlights and vents, as water ingress can cause mold and quietly weaken the fiberglass structure of your vessel.

Mechanical Systems

Mechanical and electromechanical systems such as the engine, blowers, and hydraulics sometimes fail and need repair. These systems are the most costly to repair on a sailboat. They can eat up a considerable amount of your maintenance budget in a short period of time. Regular inspection and maintenance are key to preventing unwelcome mechanical issues.

Experienced sailors often already have all the tools they need to maintain and repair their boat. But if you're new to the liveaboard lifestyle, you're going to need to equip yourself with all the required implements for maintaining your vessel.

Along with basic tools, such as screwdrivers, a power drill, and wrenches, you'll also need tools to work with fiberglass, wiring, and plumbing. Most of these tools are available for discounted prices at yard sales, pawnshops, and local marketplaces.

Transportation

Transportation is an important factor to consider when living aboard a sailboat. Some sailors choose to keep a car, especially if they continue to work a traditional job in a city. This poses unique challenges in that it adds car payments, insurance payments, and fuel to the equation. Additionally, some marinas don't allow parking for free.

Ride-sharing apps such as Uber and Lyft are an alternative, but this adds up quickly. Some sailors choose to take public transportation or ride a bicycle, which can reduce the long-term load on your budget.

Sample Liveaboard Budget

Now that we've covered the basic expenses to expect when living aboard, we'll put together a sample liveaboard budget. The figures are based on someone making a monthly income of $4,000 docking a 30-foot sailboat at a reasonably priced marina.

As you can see, a well-proportioned budget leaves plenty of wiggle room for personal expenses, saving, and stashing money away for larger unexpected expenses. These prices may not reflect your individual situation, but the point remains the same. A balanced budget can make living aboard a sailboat affordable and enjoyable.

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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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They moved into floating homes and houseboats — and discovered a world of adventure and hidden expenses

• Forget buying a home on land — some people are heading for rivers and lakes instead.
• They're investing in floating houses, houseboats, and narrowboats.
• While the lifestyle has perks, it's not necessarily cheaper than owning a house on land.

Moving into their 360-square-foot floating home a year ago was a dream come true for Sarah Spiro and Brandon Jones.

The house, located on Fontana Lake in North Carolina, has loft-style interiors with high ceilings and windows all around.

"I just love that no matter what you're doing, you can look out the window and have this super peaceful view — even if you're just doing dishes," Spiro, 27, told Business Insider.

Spiro and Jones spent $90,000 building their floating home and say it would have been difficult to buy a house on land for that price. They pay a $5,000 annual mooring fee for their floating home.

Now, they can't imagine returning to life on land.

"I guess it depends on the person, but for us, we would never go back," she said. "It beats living on land."

Embracing life on the water

Living on water is big on social media, where it's spawned popular hashtags like #houseboat and #narrowboatlife , and helped push creators like Adam Lind of @adam.floatinghome to extreme visibility.

It's also a part of the alternate living movement that sees people choosing to stay in tiny houses , homes on wheels , or other forms of housing over traditional brick-and-mortar homes.

National data on the number of people who live in floating homes, houseboats, and narrowboats is hard to come by as there isn't a single authority responsible for tracking all these housing forms across the US.

However, regional data suggests the lifestyle is still quite niche.

In 2023, there were 70 floating home sales reported on the Regional Multiple Listing Service, or RMLS, which covers the Portland area and a significant part of northwest Oregon, Portland Floating Homes real-estate broker John McPherson told BI.

In the case of houseboats, US inventory is highest in the cities of Portland and Seattle, with an average of 47 and 23 monthly listings in 2023 respectively, per data provided by Realtor.com.

The cities with the next highest houseboat listings are Scappoose, Oregon, Sausalito, California, and Johns Island, South Carolina — each had between five and 10 houseboat listings per month in 2023, per data from Realtor.com.

Comprehensive data on the trend abroad is similarly hard to find.

The Canal & River Trust, which looks after 2,000 miles of canals and rivers across England & Wales, told BI there are about 34,760 boats along its waterways. Of those, 21% describe themselves as "liveaboard."

A punishing housing market is driving people to alternatives

Elizabeth Earle lives in a narrowboat that she bought for £35,000, or about $44,000, in 2022. She previously told BI's Jordan Pandy that the lifestyle was the least expensive way for her to buy a home in the UK.

"The price for a house in England is a bit ridiculous at the moment," Earle, 34, said. "Even if you're able to save £200 a month, how on earth are you going to save £20,000 towards a mortgage? It feels so unattainable compared to how our parents did it."

Earle's comments echo true across much of her generation around the world.

Millennials are saddled with debt, struggling to build up their net worths , and getting priced out of cities. Some are moving in with their parents because they can't afford to live on their own.

Houses are also getting more expensive . In the US, most major forecasts predict that home prices could rise between 1.4% and 4.1% in 2024.

And while millennials might be suffering the most in the real-estate market, people of all ages are among those seeking out a life on the water.

"What I have observed is that a lot of buyers seem to be in their 40s, 50s, or 60s. Some are in their 70s," McPherson said.

Related stories

It's often people who are downsizing and want to do something specifically for themselves now that they're older — which is enjoy the river, the views, and boating, he added.

"Housing has become increasingly unaffordable for many Americans because of historic high prices coupled with mortgage rates approaching 8%," Daryl Fairweather, Redfin's chief economist, told BI. "This is mainly due to the intense housing supply shortage in the US — we're short millions of homes, which is driving up costs."

A recent survey by Realtor.com also found that more than half of potential home buyers were second-guessing their plans to buy a home, Hannah Jones, a senior economic research analyst at Realtor.com, told BI.

"The relatively high barrier to homeownership may push would-be buyers towards renting for longer or seeking out  alternative living arrangements  to save money for a home purchase," Jones said.

Hidden costs

But if slashing expenses is the goal, life on the water might not be the answer.

"I wouldn't say that owning a floating house is much cheaper than owning a typical house on land, but it is a much lower-priced alternative to owning waterfront property in Portland," McPherson said.

Home insurance for a floating house tends to be about double what it is for a regular house on land, McPherson said. Most floating-home owners also have to pay a monthly fee to either rent or maintain the slip their house is in.

Additionally, the float — the part of the floating house that's equivalent to a foundation — deteriorates over time, McPherson said.

"Depending on what needs to be done, maintenance could cost around $10,000 or so," McPherson said. If a float is too old, it needs to be replaced — and it's not a do-it-yourself kind of job.

"Currently, to replace a float it could cost approximately $80,000 to $130,000 — or even more, depending on the size of the house and what exactly needs to be done," he said.

Laura Woodley, 35, took out a loan to buy a narrowboat in the UK in 2020. Her repayments cost about £650, or $810, a month.

"Many people think that I'm living on a boat to save money, but I actually spend more than I did when I was renting, although I now live alone instead of with roommates," Woodley previously told BI.

A boat license, heating expenses, and maintenance costs add up to roughly another £425 a month — and that's without emergency payments.

"A couple of winters ago, half of my chimney fell off, and my heating broke, and I had to pay £700 to fix it," Woodley said. "Living on a narrowboat is not as simple as having a set of fixed monthly expenses like you would if you lived in a house."

Value in the lifestyle and the community

Money aside, the lifestyle has perks.

"It's a very serene and calm way of life compared to downtown," Kate Fincham, 35, told BI . Her houseboat is moored in Bluffers Park Marina, about 30 minutes from downtown Toronto.

"There are lots of woodlands and trails by the water, and two beaches as well," Fincham added. She spends her summer mornings kayaking on the lake.

Lily Rose, 32, lives on a houseboat on Lake Union in Seattle with her husband Dylan.

"Having ducklings and goslings pay us visits in the late spring and early summer months has been a big highlight of our time on the houseboat," Rose said.

"We enjoy taking our paddleboards out for a quick lunch break during the week or cruising down to the south end of Lake Union in our little 11-foot Boston Whaler to watch the Duck Dodge sailboat races in the summer," Rose added.

For Fincham, there's value in the community and freedom she's found through the houseboat lifestyle.

"I think it's always kind of inspiring for people to think, 'Oh, I don't have to save up to buy a condo,' or whatever. There are alternate avenues and ways to live, too," Fincham said.

Houseboat life has helped her bond with her neighbors.

"The neighbors, we're all very close, and there are always activities and game nights, movie nights, or people going for dinner together," she said. When she lived in a house downtown, she barely knew the people who lived around her.

"You need to be able to roll with the punches," Fincham said. "Sometimes it's not the easiest way of life, but I always think, for me, it's the best way of life."

Watch: Inside the most expensive neighborhoods of Singapore, home to TikTok CEO Shou Zi Chew

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