BoatCostReal ownership math

Florida · Cabin cruiser

What does a cabin cruiser cost in Florida?

Planning defaults for Florida: wet slip about $32/ft/month, 12 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

$4,909

$2,945 per outing

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

Fixed

$43,061/yr

$3,588/mo

Variable

$15,845/yr

Fuel + maintenance

Year-5 equity

Estimated value $122,691 vs loan balance $105,942.

Principal & interest$25,960/yr
Insurance$4,785/yr
Slip / storage$12,288/yr
Winterization$0/yr
Registration$28/yr
Fuel$7,045/yr
Maintenance$8,800/yr
Annual total$58,907/yr

Cruise burn 31.5 gph at $3.20/gal. SFC estimate, not a sea trial.

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Questions

How much is a cabin cruiser in Florida?
This page starts from a 32-foot cabin cruiser at $220,000 with Florida slip, insurance, and fuel defaults. Change the price to match a listing.
Do I need a wet slip in Florida?
Florida is modeled with 12 months in the water. Wet-slip cost uses $32/ft/month.
Is insurance different here?
The insurance estimate is a percentage of price times a Florida multiplier of 1.45. Replace it with a local quote when you have one.

Other boats in Florida

Cabin cruiser cost in other states