Living aboard a boat presents you with freedom and privacy.
It means endless opportunities for recreation and adventure.
It relieves you of many of the everyday stresses landlubbers must face, like maintaining a yard and property.
Even though you’ll have other things to maintain.
For many people, living aboard a boat would be a dream come true.
Whether you’d love to spend your retirement on the water or you want to start your liveaboard life much sooner, the fact is that it needn’t be a dream at all.
There are all sorts of great places to live aboard a boat in America, and there are many good reasons why this lifestyle is a viable and attractive option to many boaters.
Of course, boat living also presents its share of logistical challenges that need to be addressed before you make the commitment.
Here are just a few things to consider about liveaboard life before you decide where you’ll most enjoy living aboard a boat.
How to Choose the Best Place to Live Aboard Your Boat
Climate and Weather
Living on a boat means the weather is going to play a more direct role in your life than if you lived on land.
From high and low temperatures to storms that could cause dangerous surges, you and your boat are going to be directly impacted by the climate, the changes in the season and sudden weather events.
Many areas can experience extreme cold fronts or heat waves, many rivers or lakes are prone to flooding, coasts can see hurricanes or nor’easter gales, and many other weather patterns can cause major issues even when your boat is tied up at the dock.
If you plan to live aboard a boat in an area that sees extreme weather, make sure you have a place on land to which you can retreat. This can be the home of a friend or relative or simply a property you can reliably rent for a short period of time and to which you can bring a few needed (or prized) possessions.
In many places, you can safely live aboard a boat 365 days a year. For those rare days that you can’t, have a plan in place.
Type of Water
If you love fishing in freshwater, then you belong living on a lake or big river.
If you’re a deep sea fisher and/or you love cruising through the open ocean, you belong on the coast.
Living aboard a boat in one type of water can be quite different than it would be in another. Think of it like this, a house is a house, but the lifestyle is different if the house is in the desert or the mountains, right?
There are thousands of miles of coastline, plenty of rivers and oh-so-many lakes in America that allow for liveaboard life. Choose the type of water you love, then look for places that offer it.
The cost of living on a boat is arguably the main reason most people choose to live aboard in the first place, as it’s usually cheaper than living on land. Especially if you already own a boat you can live on.
Depending on where you choose to live aboard, though, costs vary greatly.
The state of Florida has a fair amount of fees associated with liveaboard arrangements, while you might be able to skirt such fees in parts of the Pacific Northwest.
Type of Boats
Before you can live on a boat… you’re going to need a boat.
I figured you should know that right from the get-go, or you’re just not going to have any fun with the whole liveaboard process.
If a Hatteras 100 Raised Pilothouse yacht is in your budget, then by all means live aboard a superlative luxury yacht.
Most people will be looking for a smaller, more sensible vessel. There’s no right or wrong boat to live aboard as long as the boat makes you happy, just make sure you consider how the weather and climate will affect your use of the vessel.
A boat with lots of deck space and limited cabin space might be fine for sunny and mild Southern California or the Gulf of Mexico, but not so much for the Great Lakes or New England where it gets mighty cold for a good part of the year.
Keep in mind that some places have regulations about boat size and type for liveaboards. Your vessel must be 30 feet or longer in coastal Washington, for example.
The Best Places to Live Aboard a Boat in the United States
Once you have decided that yes, you want to live aboard a boat and yes, you know the right boat on which to live, then you can choose the best place to live aboard a boat for you.
Now, given that America has a shoreline that, according to NOAA, measures 95,471 miles (this includes Hawaii and Alaska, of course), and given the countless interior rivers and lakes that offer viable liveaboard options, I’m not going to mention every single place.
Or even 1% of a fraction thereof.
What I’m doing today is highlighting a few areas in a few major regions of the country to get you excited and thinking.
1. Live Aboard in San Diego, CA
San Diego, California has a climate that’s hard to beat. It’s sunny and warm almost every day of the year, but the Pacific breezes and Mediterranean-like climate mean it’s rarely unbearably hot and usually not too humid.
The city is prosperous and well-managed, and its marinas tend to be clean, orderly and safe. The laws and regulations of the city and state are generally favorable to boat living, but know that you might be limited in where you can call your new maritime home. There are few natural harbors in Southern California, so dropping anchor offshore is often illegal and you’ll need a permanent spot at a marina.
You’ll pay a fair amount for a slip that can accomodate a boat that’s sized properly for full-time living, however. Expect to pay as much as $1,500 per month, which is a good deal more than the average rent or mortgage payment in many parts of country. But as with real estate on land, so too are things living on a boat: It’s all about location, location, location.
2. Live Aboard in Corpus Christi, TX
The local laws are very much in favor of the liveaboard boater on the Gulf Coast of Texas.
Most marinas post their rates and regulations, making it easy for the boater to understand and anticipate costs and rules before making any commitment to slip or anchorage rental.
The waterfront areas in Corpus Christi were less developed than those of many cities until recent years, but today more and more restaurants, shopping locations and nightlife opportunities are arising. The area is still affordable, but that might change soon!
Certain marinas in Texas also allow you to pay for your slip annually instead of monthly, and this can result in major cost savings. You can often get a slip suitable for a boat as large as 60 feet for about $3,000 per year, which is just $250 a month.
Just watch out for additional fees which most marinas charge on a monthly basis. (These are usually $100 or less. Not a big deal, but just FYI.)
3. Live Aboard in the Chesapeake Bay
The Chesapeake Bay is a jewel not just of the east coast, but of the entire country.
It’s rich in biodiversity, a great place for fishing, a haven for birding and a perfect spot for boating in general.
Furthermore, you can live in multiple marinas around the Bay, enjoying its natural splendor at your leisure whether you anchor near Baltimore, Annapolis, Virginia Beach or the many other cities around Maryland and Virginia.
Due to the protection against harsh weather, many areas of the Chesapeake Bay naturally offer year-round living in harbors and marinas, and it’s very much viable.
In most larger metro areas around the Chesapeake Bay, you can expect to pay between $5,000 and $8,000 annually. The laws in both Virginia and Maryland tend to be favorable to boat living.
4. Live Aboard in Tampa Bay, Florida
While Florida offers dozens and dozens of great places to live aboard a boat in terms of climate and conditions, know going in that the cost of insurance and the many laws that govern onboard living in the state can be too onerous for some would-be liveaboard folks.
If you’re willing to shell out for insurance and fees, then Tampa Bay is far and away one of the best places in this boater’s haven of a state to live full-time on the water.
Prices around the bay vary greatly, and you’ll pay for proximity to the larger cities. You might find a decent slip for a 40-footer for only $500 a month, but you may also pay triple that amount closer to a developed waterfront.
Affordable marinas are out there. But if you need to live closer to a downtown area for work, you’ll pay more for it. It’s just that simple.
That’s also true thanks to the wonderful waterfront in Tampa and nearby St. Petersburg. You aren’t going to spend every waking moment on your boat, and you likely don’t want to have to trek miles and miles overland once you disembark just to get a great bite to eat or do some shopping. The Tampa and St. Pete waterfronts have plentiful dining, shopping and recreational opportunities.
Those are my top picks for the best places to live aboard a boat in the United States. There are plenty more out there, though.
Carefully consider your needs and interests, and you’ll be able to find the ideal place to live aboard.
Luckily, this country is full of great options for boaters who never want to come ashore!