BoatCostReal ownership math

Kentucky · Bay boat

What does a bay boat cost in Kentucky?

Planning defaults for Kentucky: wet slip about $11/ft/month, 8 months in the water, gasoline around $3.15/gal. Most of this bill shows up whether you launch or not.

Boat
How you pay
Where you keep it
How you use it

All-in monthly

$1,080

$589 per outing

Most of this bill shows up whether you launch or not.

Fixed

$8,868/yr

$739/mo

Variable

$4,086/yr

Fuel + maintenance

Year-5 equity

Estimated value $36,250 vs loan balance $31,301.

Principal & interest$7,670/yr
Insurance$926/yr
Slip / storage$250/yr
Winterization$0/yr
Registration$22/yr
Fuel$1,486/yr
Maintenance$2,600/yr
Annual total$12,954/yr

Cruise burn 7.9 gph at $3.15/gal. SFC estimate, not a sea trial.

Results travel with the URL.

Questions

How much is a bay boat in Kentucky?
This page starts from a 22-foot bay boat at $65,000 with Kentucky slip, insurance, and fuel defaults. Change the price to match a listing.
Do I need a wet slip in Kentucky?
Kentucky is modeled with 8 months in the water. Wet-slip cost uses $11/ft/month.
Is insurance different here?
The insurance estimate is a percentage of price times a Kentucky multiplier of 0.95. Replace it with a local quote when you have one.

Other boats in Kentucky

Bay boat cost in other states