BoatCostReal ownership math

North Carolina · Bay boat

What does a bay boat cost in North Carolina?

Planning defaults for North Carolina: wet slip about $18/ft/month, 9 months in the water, gasoline around $3.20/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

$1,101

$601 per outing

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

Fixed

$9,106/yr

$759/mo

Variable

$4,110/yr

Fuel + maintenance

Year-5 equity

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

Principal & interest$7,670/yr
Insurance$1,151/yr
Slip / storage$250/yr
Winterization$0/yr
Registration$35/yr
Fuel$1,510/yr
Maintenance$2,600/yr
Annual total$13,215/yr

Cruise burn 7.9 gph at $3.20/gal. SFC estimate, not a sea trial.

Results travel with the URL.

Questions

How much is a bay boat in North Carolina?
This page starts from a 22-foot bay boat at $65,000 with North Carolina slip, insurance, and fuel defaults. Change the price to match a listing.
Do I need a wet slip in North Carolina?
North Carolina is modeled with 9 months in the water. Wet-slip cost uses $18/ft/month.
Is insurance different here?
The insurance estimate is a percentage of price times a North Carolina multiplier of 1.18. Replace it with a local quote when you have one.

Other boats in North Carolina

Bay boat cost in other states