Top House Boat Boats For Sale

Houseboats offer an alternative and unique way of life, providing the opportunity to live on the water with all the comforts of a traditional home. Buyers who are interested in houseboats have a wide variety of options and styles to choose from. Whether you're looking for a full-time residence or a recreational getaway, it's important to understand the different types of houseboats available and consider the various factors that influence their price and usability.

When searching for a houseboat, a key factor to consider is the size and cost of the vessel. Houseboat prices can range from $250,000 to $750,000 on average, with used houseboats priced anywhere from $5,000 to $1.5 million. The market offers an extensive selection of houseboats available for sale, including hundreds of listings on Boat Trader and boats.com. Consider your budget and desired level of comfort when deciding on the right houseboat for you.

Another important aspect to take into account when navigating the houseboat market is the boat's intended use. Some houseboats are designed for year-round living, while others serve as vacation homes or weekend escapes. Ensure that the houseboat you choose aligns with your lifestyle and intended purpose, and keep in mind that the IRS sees houseboats as property that can be converted into liquidity as an asset. As you embark on your houseboat-buying journey, take your time in evaluating the available options and consult with experts when necessary to ensure you make the best decision for your unique needs.

Types of Houseboats

When looking for a houseboat, it's essential to understand the different types available to make the best choice based on your needs and preferences. This section covers four popular types of houseboats: Pontoon, Gibson, Stardust Cruisers, and Sumerset.

Pontoon Houseboats

Pontoon houseboats are known for their stability, practicality, and affordability. Their design features a flat deck mounted on large, cylindrical pontoons, which provide buoyancy and stability. These houseboats offer ample living space and are often favored by families and groups looking for a comfortable, spacious option for cruising the waterways.

Gibson Houseboats

Gibson houseboats are popular for their classic design and all-fiberglass construction, which requires less maintenance than wooden houseboats. These boats often feature multiple levels, providing separate living, dining, and sleeping areas. Known for their spaciousness and comfort, Gibson houseboats are designed for long-term living aboard or extended trips on the water.

Stardust Cruisers

Stardust Cruisers are luxury houseboats known for their high-quality craftsmanship and custom designs. As leaders in upscale houseboats, Stardust Cruisers feature a variety of options, such as full-size appliances, central heating and air conditioning, and large master suites. Their attention to detail and design make for a comfortable, stylish houseboat experience.

Sumerset Houseboats

Sumerset houseboats offer a range of models, from smaller pontoons to large, luxurious vessels. They are recognized for their quality, innovation, and value, making them a popular choice among boating enthusiasts. Sumerset houseboats provide an enjoyable, smooth ride and the comforts of a well-equipped, spacious living space for those looking to spend time on the water.

Size and Budget Considerations

When considering houseboats for sale, it's essential to keep size and budget in mind. The size of the houseboat will significantly impact the overall cost, including purchase price, insurance, and living expenses. This section will explore price ranges, insurance costs, and living aboard expenses to help you make an informed decision on the perfect houseboat for your needs.

Price Ranges

Houseboat prices vary significantly based on factors such as size, age, and amenities. Here is a general guideline for budgeting:

• Small houseboats (less than 40 feet): $30,000 - $100,000
• Medium houseboats (40 to 60 feet): $100,000 - $300,000
• Large houseboats (over 60 feet): $300,000 and up

Keep in mind that these are approximate ranges, and actual prices may vary based on specific makes and models, as well as market conditions.

Insurance Costs

Insurance is another important expense to consider when budgeting for a houseboat. Factors such as the boat's age, size, and location can impact the cost of insurance. For example, a larger, more expensive boat will often have higher insurance premiums. On average, houseboat insurance costs can range from $500 to $3,000 per year.

Living Aboard Expenses

Living aboard a houseboat comes with its own set of expenses, which should be accounted for in your budget. Some of the main living aboard expenses include:

While these costs can vary depending on factors such as location, amenities, and personal usage habits, they should be factored into your overall budget when considering a houseboat purchase.

Hull and Construction Materials

When looking for a houseboat, it's crucial to consider the hull and construction materials as they play a significant role in the boat's performance, durability, and maintenance requirements. This section will explore the three common materials used in houseboat construction: aluminum, steel, and fiberglass.

Aluminum

Aluminum is a popular material for houseboat construction due to its lightweight and corrosion-resistant properties. This material allows for better fuel efficiency and easier maneuverability on the water. Moreover, an aluminum houseboat typically weighs less than a houseboat built with other materials, making it easier to transport and maintain.

However, aluminum houseboats may require more support structures to maintain rigidity and can be more susceptible to dents or damage from impacts. Additionally, electrolysis can be a concern for aluminum houseboats when in contact with other metals and water, so it is essential to be vigilant about proper electrical grounding and maintenance.

Steel

Steel is another common material used in houseboat construction, offering strength and durability. A steel houseboat can provide a solid, stable platform and has the ability to withstand harsh weather conditions and impacts better than an aluminum boat.

On the downside, steel houseboats are generally heavier and may require more powerful engines to achieve the same performance as lighter aluminum or fiberglass houseboats. Furthermore, steel is more susceptible to rust and corrosion, necessitating regular maintenance and potentially resulting in higher long-term costs.

Fiberglass

Fiberglass is a versatile material that can be molded into various shapes, providing a smooth and seamless finish for houseboats. Fiberglass houseboats are generally low-maintenance and resistant to corrosion as well as electrolysis issues.

However, fiberglass houseboats can be more challenging to repair when damaged, as repairs typically require professional assistance and can be costly. Additionally, fiberglass houseboats tend to be heavier than aluminum boats, impacting fuel efficiency and performance.

In conclusion, it's essential to weigh the advantages and disadvantages of each material when looking for the ideal houseboat. Understanding the characteristics of aluminum, steel, and fiberglass will help you make an informed decision and find a houseboat tailored to your needs and preferences.

Buying New vs. Used Houseboats

Pros and Cons

When it comes to buying a houseboat, you have two main options: purchasing new or used. Both options have their pros and cons that should be considered before making a decision.

Buying a new houseboat allows you to enjoy a vessel with the latest design, features, and technology. You can expect the boat to be in perfect condition, but the price tag will be higher. New houseboats can range from $90,000 to over $1 million, depending on the size and amenities.

On the other hand, used houseboats offer considerable savings. You can find a pre-owned model for as low as $20,000, with an average price around $50,000. However, used boats could come with maintenance issues, and it's essential to be cautious of potential hidden problems.

Pre-Purchase Inspection

When considering a used houseboat, a thorough pre-purchase inspection is crucial. This process will help you identify any issues and determine whether the boat is worth the investment.

It's important to hire an experienced marine surveyor to inspect the boat. The surveyor will assess the boat's structural integrity, mechanical and electrical systems, and safety equipment. They will also conduct a sea trial to evaluate the boat's performance and handling.

• Structure: Check the hull, decks, and roof for any cracks or signs of damage.
• Mechanical and Electrical: Ensure the engine, generator, and electrical systems are in good working condition.
• Safety Equipment: Confirm that all necessary safety features such as life jackets, fire extinguishers, and navigation lights are present and functional.

By carefully weighing the pros and cons of buying new vs. used houseboats, and conducting a thorough pre-purchase inspection, prospective houseboat owners can feel confident in their decision and start enjoying life on the water.

Marine Surveys and Inspections

When considering the purchase of a houseboat, it is crucial to obtain a marine survey before finalizing the transaction. A marine survey is an evaluation of the boat's condition, value, and safety, conducted by an accredited surveyor. This assessment can help in negotiating the price, obtaining insurance, and securing financing.

Hiring a Marine Surveyor

Choosing an experienced, qualified marine surveyor is essential for a thorough inspection. Ensure that the surveyor is accredited and has specific houseboat knowledge. There are a few key steps to keep in mind when hiring a marine surveyor:

• Conduct research and read reviews from previous clients.
• Verify the surveyor's credentials, such as membership in professional organizations like the Society of Accredited Marine Surveyors.
• Request references and speak with previous clients about their experience with the surveyor.

Understanding Survey Results

A marine survey will provide you with an in-depth report on the condition and value of the houseboat. This report will cover various aspects of the vessel, including:

• Hull, deck, and structure evaluations
• Inspection of the boat's systems
• Assessment of safety equipment and regulatory compliance

You can use the marine survey findings to negotiate the purchase price, especially if repairs or upgrades are required. Remember that insurance and lending companies often require a marine survey to determine the true condition and fair market value of the vessel.

Power and Motors

When purchasing a houseboat, understanding the power and motor options is crucial to make an informed decision. This section will cover the differences between inboard and outboard motors, gas and diesel engine options, and horsepower requirements.

Inboard vs. Outboard

Inboard motors are installed within the hull of the boat, while outboard motors are external and mounted on the boat's stern. Houseboats typically feature inboard or sterndrive motors, often chosen for their performance and improved maneuverability. Outboard motors, on the other hand, are more commonly seen on smaller houseboats and are known for their easy maintenance and lightweight design.

Gas vs. Diesel

Houseboat engines can either be gas or diesel-powered. Gas engines are generally more affordable upfront, lighter, and easier to maintain. However, diesel engines are known for their fuel efficiency, long lifespan, and greater torque. While diesel-powered houseboats may have higher initial costs, they may offer cost savings over time due to their lower fuel consumption and increased durability.

Horsepower Requirements

Ensuring your houseboat has adequate power is essential for a comfortable and safe experience on the water. The necessary horsepower will vary depending on the size of the houseboat, intended usage, and desired speed. Larger houseboats will require more horsepower to travel at similar speeds as smaller vessels.

Here are some general guidelines to help estimate the horsepower requirements for different houseboat sizes:

• 20-30 feet: 75-115 horsepower
• 30-40 feet: 115-200 horsepower
• 40-50 feet: 200-300 horsepower
• 50-60 feet: 300-400 horsepower

Keep in mind that these are rough estimates, and specific requirements may vary depending on the houseboat's weight, hull design, and other factors. It's best to consult with a marine professional or the boat's manufacturer to determine the ideal horsepower for a particular houseboat.

Coastal vs. Inland Boating

Differences in Houseboat Types

When it comes to houseboats, there are distinct differences between coastal and inland boating options. Coastal houseboats are designed to handle the dynamic and potentially harsh environments of oceans, seas, and large bays. They often have more robust construction, heavier materials, and better-equipped living quarters. In contrast, inland houseboats are usually designed for calmer waters like rivers, lakes, and smaller bays. These boats tend to be lighter, feature lower drafts, and may have more open and airy designs for recreational use.

Navigational Considerations

There are also important navigational considerations for boaters planning to use a houseboat either on the coast or inland. Coastal boating often involves more complex navigation, as it has tides, currents, and waves to manage. Additionally, coastal boaters must learn to handle larger bodies of water and greater distances between marinas, anchorages, or other stopping points. Inland boating is generally less challenging navigationally, with relatively steady water conditions and smaller bodies of water to navigate. However, inland boaters may need to be more aware of water depth and obstacles in the waterways, such as submerged logs or rocks.

Some of the relevant entities to consider when purchasing a houseboat for coastal or inland boating include:

• Houseboats for sale on various trading platforms
• Size considerations - know your desired boat size to help narrow down your choices and ensure the boat fits your needs
• Cost - keep in mind the eventual cost, including insurance, slip fees, and other expenses related to maintaining a houseboat
• Purpose of the boat - make sure your boat can meet your boating needs for either coastal or inland waters

Knowing the differences between coastal and inland houseboats and understanding the navigational considerations for each will help you make an informed decision when purchasing a houseboat tailored to your needs.

Financing Your Houseboat

When buying a houseboat, financing is an important aspect to consider. This section will cover various loan options, calculating boat affordability, and rental income opportunities to help you make the best financial decision when purchasing a houseboat.

Loan Options

There are several financing options available when purchasing a houseboat. One common option is a traditional boat loan, which can offer APRs as low as 4.29% depending on the loan amount and repayment term. These loans generally come with fixed rates, which means your monthly payments will remain the same throughout the life of the loan Rocket Mortgage.

Another financing option is a home equity line of credit (HELOC). If you own a home, you can borrow up to 85% of the equity, which is the value of your home less any debts you owe, to finance your houseboat purchase Just Houseboats.

Calculating Boat Affordability

To determine the affordability of a houseboat, it's important to consider your current financial situation and take into account your income, expenses, and potential loan amounts. Start by calculating your monthly income and subtract your monthly expenses, such as mortgage or rent payments, utilities, and other regular payments. This will give you an idea of how much you can afford to spend on a monthly loan payment for your houseboat.

Keep in mind that owning a houseboat also comes with additional costs such as insurance, maintenance, and docking fees. Be sure to factor these expenses into your affordability calculations as well.

Rental Income Opportunities

If you're planning on using your houseboat as a vacation home or a second home, you can also consider the potential rental income it can generate. Renting out your houseboat when you're not using it can help offset expenses for your loan, maintenance, and other ownership costs.

Before buying a houseboat with the intention to rent it out, research the rental market in the area where you plan to dock your boat. This will give you an idea of the potential rental income, occupancy rates, and local regulations related to houseboat rentals.

Trailering and Transportation

When considering houseboats for sale, it's important to understand the trailering and transportation requirements associated with owning a houseboat. This section will discuss towing requirements and finding suitable trailers for your houseboat.

Towing Requirements

Houseboats can be large and heavy, which means not all vehicles are suitable for towing them. Before purchasing a houseboat, ensure that your vehicle has the necessary towing capacity to handle the weight of the boat. Factors that contribute to the towing capacity include engine power, braking system, and chassis strength. You may need to upgrade your vehicle, invest in a heavy-duty truck or hire a professional hauling company if your current vehicle isn't suitable for towing your houseboat.

In addition to having a capable towing vehicle, you'll also need to familiarize yourself with the regulations and permits that may be required for houseboat transportation. These can vary depending on the size of your houseboat, the route you're taking, and the jurisdictions you'll be passing through. Be sure to research the requirements and obtain permits, if necessary, before hitting the road.

Finding Suitable Trailers

Selecting the right trailer for your houseboat is crucial for safe and efficient transportation. When searching for a trailer, there are a few key factors to consider:

• Weight Capacity: Ensure that the trailer is rated for the weight of your houseboat, including any additional equipment, fuel or gear that may be stored onboard.
• Trailer Size: Make sure the trailer is the appropriate size and shape to securely hold your houseboat. This may mean selecting a trailer with customizable bunks or rails that can be adjusted to fit the shape and size of your houseboat.
• Trailer Type: Houseboat trailers can come in a variety of designs, with some offering additional features such as hydraulic lifts or low-riding platforms that make it easier to load and unload the boat. Consider which features are most important to you and select a trailer that best meets your needs.

As you research houseboat trailers, remember to check reviews and testimonials from other houseboat owners to ensure you're making the best choice for your specific boat. When properly matched with the right trailer and towing vehicle, you can enjoy a safe and enjoyable experience transporting your houseboat to its desired location.

Amenities and Features

When purchasing a houseboat, it's essential to consider the amenities and features that cater to your needs and preferences. This section will cover several key areas, including heads and sanitation systems, galley appliances, and recreational add-ons.

Heads and Sanitation Systems

A comfortable and functional head is crucial for the overall satisfaction of living on a houseboat. There are various types of sanitation systems available, such as traditional marine toilets, portable toilets, and even composting toilets.

It's important to compare not only the initial cost but also the ease of use, maintenance requirements, and overall odor control. Ultimately, it's about finding the perfect balance between convenience and environmental responsibility.

Galley Appliances

The galley is the heart of any houseboat, and therefore, choosing the right appliances is key. Some of the essential considerations include:

• Refrigeration: Compact and energy-efficient fridges are ideal for houseboats.
• Cooking Appliances: Opt for stove options that suit your cooking style and available space, such as gas, electric, or induction cooktops.
• Ovens: Microwave and convection ovens are excellent space-saving options.
• Dishwashers: A compact dishwasher can save time and water, making it a valuable addition.

When selecting galley appliances, consider energy consumption, space requirements, and the ease of installation and maintenance.

Recreational Add-Ons

Houseboats can function as an excellent base for various recreational activities, such as watersports and fishing. Some popular add-on features for your houseboat might include:

• Sundecks: A spacious sun deck allows for sunbathing, socializing, or simply relaxing.
• Swim platforms: These are essential for easy water access, particularly if you enjoy swimming, snorkeling, or scuba diving.
• Fishing amenities: Consider adding rod holders, live wells, and fish cleaning stations to enhance your fishing experience.
• Watersports equipment: Houseboats can host kayaks, stand-up paddleboards, or small inflatable boats for on-water fun.

Customize your houseboat with recreational add-ons that best suit your lifestyle and preferences to ensure a well-rounded houseboat experience.

Customizing Your Houseboat

When purchasing a houseboat, one of the main attractions is the ability to tailor the boat to your specific needs and preferences. This section will cover different customization options for both the interior design and exterior additions to create your perfect houseboat.

Interior Design Options

Interior design customization allows you to create a comfortable living space tailored to your taste and lifestyle. Much like a traditional home, you can select different layout options, such as the number of bedrooms or the inclusion of an office. Some houseboat manufacturers even offer 3D rendering services to help visualize your dream houseboat before building.

Other important interior design considerations include:

• Flooring materials
• Color schemes and finishes
• Type of cabinetry and storage solutions
• Lighting solutions
• Appliance selections

By customizing these aspects, you can create a cozy and inviting space that reflects your personal style and meets your family's needs.

Exterior Additions

Exterior customization options can enhance your houseboat's functionality, entertainment, and leisure spaces. Popular exterior additions include:

• Hot tubs
• Outdoor grilling stations
• Rooftop slides
• Outdoor bars
• Solar panels for energy efficiency

Consideration should also be given to selecting the appropriate material for your houseboat's exterior – common choices include steel or aluminum. Each material has its pros and cons, such as durability, weight, and maintenance requirements, so it's essential to research and discuss the options with your houseboat manufacturer.

By carefully selecting the customizations that best suit your lifestyle and preferences, you can create a houseboat that's not only functional but also uniquely tailored to your desires, ensuring a truly enjoyable living experience on the water.