People will either think it’s the best thing ever or that you’re essentially homeless if you tell them you live on a boat. If you live at anchor, this is especially true. By law, live a-boards are only allowed at waters leading to the sea. This happens in Texas, as well as in other US states and countries throughout the world. Examples include the Trinity River, Lake Livingston, Lake Houston, and surrounding Bays and Sounds. Texas has some of the most permissive liveaboard laws in the country, making it an excellent choice for liveaboards. If you plan to liveaboard in Texas, it’s important to research the costs and marinas to find out about their laws and where you can anchor long-term if necessary. So, in this article, I will give information about the liveaboard life in Texas, the marinas, as well as the general costs. Follow me!
Information about the Liveaboard Life in Texas
Texas is a place with reasonable liveaboard fees, delicious food, and easy access to the South. There are many beautiful seaside towns and marinas to visit or stay. Many marinas are brand new and state-of-the-art, and some of them haven’t yet experienced the price explosion that has afflicted other popular destinations. Currently, a nice marina space costs around $350 per month. This is much less than anywhere around Tampa Bay or New York in the north. The food is excellent, there is a wide range of bars and restaurants as well as numerous activities to engage in. Liveaboard communities are vibrant and the state of Texas has fair liveaboard laws.
Certain Texas marinas also allow you to pay for your slip annually rather than monthly, which can save you a lot of money. A slip appropriate for a boat up to 60 feet can generally be had for around $4,200 per year or $350 per month. It would be helpful if you can have an idea of the pricing range you’re searching for. For instance, Palacios, Port Lavaca, and Ingleside all have affordable marinas that I believe allow liveaboards. Island Moorings in Port Aransas is more pricey yet nicer. In Rockport, there are several lovely marinas, but they don’t all allow liveaboards. Matagorda Harbor Marina is now offering a nice discount. They have brand new floating docks, $200 floating slips (40 feet), and convenient gulf access.
>>Also Read: Living on a Boat in California: What you Need to Know
Liveaboard Laws in Texas
In the state of Texas, there are currently no laws preventing liveaboards, although there are various local ordinances that require additional paperwork and taxes. If you live full time on your boat in a marina, Corpus Cristi, for example, demands you to take out a form and pay a fee. In some cases, you could stay at the marina part of the time and anchor elsewhere the rest of the time to avoid the paperwork and fees. It’s a good idea to contact local officials or even marina owners in the city where you’re interested. This will provide you with some insider information, and they may often offer ways to save you time and money.
If you decide to liveaboard in Texas, make contact with several cities and marinas to inquire about their policies on living aboard your boat and where you can anchor long-term if needed. Then you must consider whether the added hassle of living anchored for the majority of the time is worth it. Or, whether it is preferable to pay the marina or town mooring costs. Texas, as one of the most laid-back states for liveaboards, can be an excellent choice. As with other states, each city will frequently have its own set of local laws and regulations, so do your research before deciding where you wish to moor your boat.
Information about Liveaboard Marinas in Texas
The marina you will choose to live on your boat will determine a big part of your budget. A significant amount of your overall charges will be determined by that. Smaller powerboats that are brought in and out of the water on a regular basis will not require a monthly mooring or dock slip. But, trailers can cost anywhere from $2,000 to $5,000.
The cost of a slip is determined by the location, design, and size of your boat. A 28-foot covered slip at Lewisville Lake’s Cottonwood Creek Marina, for example, costs around $4,000 per month. A slip at the Bayland Marina on the Gulf Coast costs roughly $2 per foot per night. It varies across Texas, so do some research on the slip rate in the area where you’ll be staying. This has to happen before buying the boat. Like this, you will have a better idea of the overall financial picture.
Island Moorings is a lovely place to stay. Port Aransas is a wonderful town, although it is primarily a tourist destination. The marina is beautiful, well-run, and bustling. The slip costs around $350, including electricity. Port A is a great spot, but they don’t have any 40′ (or 50′) slips. You might be able to get a slip on the new transient pier. For a storm, this location is extremely vulnerable. Palacios and Port Lavaca are pleasant areas with inexpensive marinas, but they are a great way from any sailing opportunities. There is also a marina in Port O’Connor, St Christopher marina. These are all lovely small Texas towns. Palacios is a shrimper’s paradise. Port O’Connor is a tourist town with fishermen, while Port Lavaca is a tiny town with a lot of people.
Ingleside’s Bahia is in a nice location and is reasonably priced. It’s a different kind of environment. I believe that most people will either like it or dislike it, so you should go check it out to see if it is right for you. It is a very lively and easygoing marina with a $25 liveaboard fee. The Matagorda Marina is a wonderful marina at a good price. It’s a busy marina, and largely for fishermen. Although it has good gulf access, it is located far from any bay sailing options. Island Moorings Marina is great. But, there’s the exception of a small draft (about 5′) and bugs in the summer. Hurricane protection is excellent.
Keep in mind that there are no 40′ slips in the new part of Corpus Christi City Marina. You’d either be stuck in the old section or in the new section. But, the marina has a fantastic position in the heart of the city. This is a great experience of liveaboards. Key Allegro does not accept liveaboards in the Rockport region. At Cove Harbor, there is a new marina which is one of the quietest places to live in. Lastly, the Fulton Marina is surrounded by fixed piers and is highly exposed.
>>Also Read: Best Sailing Destinations in the Gulf of Mexico
Best Marinas in Texas
- Alice Faye’s on the Bay Marina, Rockport-Fulton
- Cove Harbor Marina, Rockport
- Fulton Beach Marina, Fulton
- Bal Harbor Marina, Nassau Bay
- Seabrook Marina, Seabrook
- Sea Ranch Marina, South Padre Island
- Port Aransas Marina, Port Aransas
- Island Moorings Marina, Port Aransas
- Corpus Christi Marina, Corpus Christi
- City of Port Isabel City Docks, Port Isabel Channel
- Cypress Creek Marina, Lake Travis
- Bastrop Marina, Freeport
- Bridge Harbor Yacht Club, Freeport
- Kirby Marina, Freeport
- Eagle Point Fishing Camp Marina, San Leon
- San Leon Marina, San Leon
- Galveston Yacht Basin, Galveston
- Teakwood Marina, Galveston
- Kemah Boardwalk Marina, Kemah
- Waterford Harbor Yacht Club, Kemah
- Lakewood Yacht Club, Seabrook
- Clear Lake Marine Center, Seabrook
- Hopper’s Landing Marina, Austwell
- Houston Yacht Club, La Porte
- Harbor Bay Marina, Lake Ray Hubbard
- Harbor One Marina, Eagle Mountain Lake
- Highview Marina – Lake Bardwell
- Harbor Inn Marina, Richland-Chambers Lake
- Holiday Shores Marina – Lake Livingston
- Hurst Harbor Marina – Lake Travis
Cost of Owning a Boat in Texas
The cost of owning a boat is determined by the type of boat you want to buy. Jet Skis are the cheapest way to get into boating, costing anywhere from $6,000 to $10,000 but with fewer expenses than larger powerboats or sailboats. However, all boats will have to pay for fuel, maintenance, insurance, and other expenses. Pontoon boats, outboard motorboats, inboard motorboats, and sailboats are the four types of boats you’ll see whether you’re on one of Texas’ many lovely lakes or cruise the bays and oceans of the Texas coast. Each comes with its own set of costs. Bear in mind that small sailing dinghies may demand more fuel than powerful speedboats.
It’s important to note that sails and rigging will need to be replaced on a regular basis on larger sailing vessels. The age and condition of a boat will also have an impact on the expense of continuing maintenance. In general, Texas liveaboards are lucky. Summers are hot, and winters are mild, so you can normally use your boat all year.
However, your boat will need to come out of the water for maintenance or protection during hurricane season. And, this is why winterizing and storage is a crucial (and frequently underestimated) cost of boat ownership. The average cost of hauling out is $26 per foot. Then you’ll have to pay $10 to $15 per foot to shrink-wrap your boat for storage, plus another $50 per foot to store it. In total, the full package may cost as much as $91 per foot, which is a significant cost to consider if your boat requires annual maintenance.
Maintenance is one of the expenditures of owning a boat that might be difficult to estimate, even if it isn’t fully concealed. The wear and tear on the boat’s systems and equipment will be greater in saltwater than in freshwater. Like car maintenance, some years may go by without requiring much attention, while other years everything seems to fail at once. The amount of annual maintenance you can expect depends on the boat’s age and condition. Prepare to spend up to ten percent of the total worth of your boat on annual upkeep. These expenses will also be determined by whether you hire professionals to complete the repair or whether you can perform some maintenance yourself.
>>Also Read: Best Sailing Lakes in Texas
Fuel, Insurance and Other Important Considerations for Liveaboards
The cost of gasoline on an annual basis is determined by the type of boat and how often you use it. Some motorboats can consume up to 30 gallons of gas every hour. If you burn gasoline at that pace and spend five hours on the water each day, you’ll use 100 to 150 gallons of gas every day. Depending on how often you use your boat, you could end up spending thousands of dollars on gas each year. In other words, fuel expenditures should be factored into your budget.
Bear in mind that every year, thousands of watercraft accidents occur in Texas, with hundreds of people killed and millions of dollars in property damage. Meaning that boat insurance is a must-have. Fortunately, your Texas Farm Bureau Insurance Agent will be able to assist you with the insurance procedure. So, you should contact your Texas Farm Bureau Insurance Agent to learn more about the policies applied to you.
And, like anything new you buy for your boat, you’ll want to update after a while. Every boat, whether it’s for new engines, onboard fishing gear, new sails, or rigging, will require investment over time. A brand-new fishfinder, for example, might cost upwards of $900. The cost of a radar system for an offshore sailboat might be in the thousands of dollars. So, don’t forget to budget for keeping your onboard safety equipment up to date and in good working order.
Regrettably, your boat, like your automobile, begins to lose value as soon as you take possession of the keys. While depreciation expenses vary depending on the boat’s make, model, age, and condition, a fair rule of thumb is to assume a 10% depreciation the first year and a 7% depreciation the following years. When it comes time to sell your boat, there are other hidden charges to consider. Allow eight months to promote your boat, as well as a 10% to 15% brokerage charge after the purchase is closed.
>>Also Read: Living on a Boat in Florida – Best Liveaboard Marinas, Costs and Tips
Hurricane Season in Texas
The Atlantic hurricane season runs from June 1 to November 30 and is expected to be busy, according to meteorologists. The Climate Prediction Center of the National Oceanic and Atmospheric Administration predicts an above-normal hurricane season. The National Oceanic and Atmospheric Administration (NOAA) predicts 13 to 20 named storms in 2021. In addition, winds of 39 mph or higher. Six to ten of them might become hurricanes (winds of 74 mph or more), with three to five of them being major hurricanes (category 3, 4, or 5; with winds of 111 mph or higher).
So, as a liveaboard, it’s important to keep an eye on the weather forecast. In case a storm is expected to make landfall, you have to stay away from the boat. Forecast conditions can be found on the websites of the National Weather Service and the National Hurricane Center. Also, you should always check the marina’s hurricane plan. If the storm or hurricane is five days out, some marinas will begin to evacuate workers and shut down areas and services. The weather may be sunny and blue skies on the day you arrive, but the marina’s personnel is prepared for the storm’s potential threats.
Moreover, you have to be patient when a storm passes. Even if the storm didn’t pass through the area, some marinas are going to close for a specific amount of time. Most personnel are picking up and removing debris caused by the hurricane’s strong winds.
Keep in mind that flooding along the coast should be avoided. Coastal flooding can be caused by low-pressure storms in the Gulf of Mexico, even hundreds of miles away from the marinas. Water can sometimes reach all the way to the beach sand dunes, closing off a shoreline due to the standing water. During this period, you will not be able to drive on the beach. Lastly, rip currents exist and are extremely dangerous. Rip currents arise in low regions or cracks in sandbars, as well as around constructions like groins, jetties, and piers. Beachgoers must be mindful of rip currents even on a quiet day.
>>Also Read: Living on a Boat in New York
Living on a Boat in Texas – The Bottom Line
The two happiest days in a boat owner’s life, according to the traditional proverb, are the day they buy the boat and the day they sell it. The days in between, however, do not have to be stressful and anxious. Each day on the water may be well worth the money with some serious planning and the right budgeting. Hopefully, you now have a good idea of whether Texas is the right place to live for you. However, before arranging your liveaboard lifestyle, you should always contact the marina of your choosing.
In Texas, you can live on your boat in an affordable way of living in comparison with California or New York. The weather is often favorable, and there are countless chances and activities to select from. Spend your next holiday anchored at one of the marinas to get a feel for the place if you’re not sure if you want to live there full-time. It can offer you a taste of what your life could be like if you decide to take the next step. And, there are many vibrant marinas in Texas with reasonable slip fees to choose from. Lastly, the liveaboard laws in the state of Texas are favorable for boaters.
I wish that this article gave you a grasp of things about the liveaboard life in Texas. If you plan ahead and do some thorough research it’s not that hard and life there is great. Wish you the best!
Which boat types make the best liveaboard vessels? Houseboats, Trawlers and Catamarans make the best liveaboards, although they each vary greatly in their design. Motor Yachts and Express Cruisers are also good options.What is a good size boat to live on? ›
Experts in this area recommend a yacht that is at least 30 feet long for one or two residents and 50 feet or more for families or those who want excess space. When choosing a yacht to live on, you must consider how much room you will need to accommodate the items that you need.Can you live aboard a boat in a marina? ›
Most marinas require an application for you to move aboard permanently. In some areas, liveaboards aren't permitted or there are long waiting lists. Liveaboard slip fees are usually higher and your insurance rates may increase if your boat becomes your primary residence.What is the minimum size of a liveaboard? ›
For a sailboat to be considered as a liveaboard, it needs to be at least 30ft. Anything smaller and the boat will be cramped for anyone other than a solo sailor. However, the larger the boat, the greater the cost of ownership. The ideal size sailboat to live on would be 35-45 feet for most people.Where do most boat owners live? ›
In fact, Minnesota has the largest number of boat owners in the country, per capita, with one boat for every six residents. Minneapolis has many small lakes and rivers that allow for a lot of waterfront property in the city, and of course the Great Lakes are only a few hours away.What size boat is best for coastal cruising? ›
A 35 - 45 feet vessel with a draft of about 2 metres, 6' to 8', to help the vessel sail in most weather conditions, with plenty of sail area for light winds, and easy reefing for when it pipes up, is I believe the ideal vessel size for a cruising couple.What is the most stable boat for the ocean? ›
Multi-hulled boats are some of the most stable on the water. They also require more room to steer and turn. Examples of common multi-hulled boats are catamarans and pontoon boats .What is the best boat to live on full time on the ocean? ›
Catamarans. If you're looking for a full suite of amenities such as a house-sized kitchen and bathroom, plus oodles of extra living space then a multi-hull – catamaran or trimaran - makes for an excellent ocean-going liveaboard.What you need to know before living on a boat? ›
- There will always be things to fix.
- Living on a boat is like camping.
- You need to be diligent with cleaning.
- It takes time to learn the boating world.
- You don't need all those clothes onboard.
- Start living like you're on a boat before life aboard.
Much like high performance cars, some boat engines are not designed to last forever. If a boat is 10-15 years old, 200-300 hours is most likely not enough. You would want to see that number closer to 500 or more for a boat of that age.
How many hours is good for a used boat? A used boat powered by an outboard motor or gas inboard with less than 1000 hours is a boat worth considering a purchase. A diesel-powered boat with 3000 to 5000 hours that has been maintained well is also a boat that may be worth owning.How do you get mail if you live on a boat? ›
- 1 Moorings. The easiest option is if you have a permanent mooring that can accept mail. ...
- 2 Friends. You could ask a trusted friend or relative to receive your post for you. ...
- 3 Mail Forwarding. ...
- 4 Mail Boxes. ...
- 5 Work Address.
Many liveaboards will pump sewage overboard at night if there isn't a pumpout that can reach the boat. The grey water scum floating around the marina every morning. Also the extra electrical and water demands (costs) to the marina's.Is it cheaper to live on a boat then a house? ›
On average, a month of living on a boat in the harbor will cost anywhere from $550 to $2000. While living in a house will cost you between $1800 to $5000. The size of your boat and home will determine the cost difference between the two. These prices will vary depending on a few different factors.What is the price of a liveaboard boat? ›
Liveaboard sailboats in clean and operational condition cost anywhere between $10,000 and $30,000, but some excellent vessels cost less. Finding an affordable sailboat can greatly reduce the overall cost of living the liveaboard lifestyle.What is the minimum size boat for ocean travel? ›
The most common offshore boats are usually between 30 to 40 feet, which is perfect for long trips and most weather conditions. Anything less than 30 feet will not handle weather and waves as well, but they still make for great boats if you pay attention to the weather.
For years, Ft Lauderdale has been referred to as the 'boating capital of the world', based on the sheer number of boats in the many marinas at any one time.
Florida has over 1,500 miles of coastline and over 3,000 inland waterways, providing saltwater and freshwater recreation opportunities like kayaking, canoeing, sailing, etc. It's no surprise that it's the boating capital of the world.What state has the highest boat registration? ›
What State Has the Most Boat Registrations? Florida is the state with the most registered boats used for recreation, having 8.133% of all recreational boat and yacht registrations in the United States.What is the most seaworthy boat design? ›
The full displacement hull shape travels through the water and is by far the most traditionally seaworthy shape for a cruising powerboat.
Catamarans and trimarans can have multiple hulls and these styles can handle rough water and make the best boats for the ocean. If you plan to stay near the coast, flat-bottomed boats are great boats for shallow water. These types of boats don't fare as well on the ocean, especially if conditions get rough.What is the bigger boat rule? ›
Law of Gross Tonnage
The law, which is more common sense then explicitly written in the code, goes like this: "The heavier vessel always has the right-of-way." This is based on simple Newtonian physics. Newton's first law talks about objects in motion stay in motion unless another force is acted upon it.
Wide, flat-bottomed boats will hold the most weight.What is the most efficient boat shape? ›
Planing Hull Boats
What's the most fuel efficient boat hull design? The answer to that question is a planing hull. Planing hull boats are designed to glide smoothly on top of the water when enough power is applied. Both flat-bottom and vee-bottom hull shapes are considered to be planing boat hulls.
Larger boats are less prone to capsize than smaller boats. A dismasted sailboat is more likely to capsize than a boat carrying her full rig. A boat has an inherent stability range, ie. an angle of heel past which it will capsize.Is it safe to sleep on a boat in the ocean? ›
As long as there's no severe weather, safety issues are rare when sleeping on a boat at anchor close to shore or in a marina slip. Even sleeping out on open water can be very safe, though you'll need to take some additional steps to ensure you get a safe and restful night of sleep.Is 400 hours on a boat a lot? ›
While higher hours typically won't impact the performance or reliability of a boat in a negative way, it will have an impact on the value of a boat, especially if a boat has “high hours” for the year. 400 hours won't harm the resale value on a 2010 boat, but if a boat is a 2018 that is a different story.What is the safest sea boat? ›
Cruising catamarans that are capable of bluewater sailing are some of the safest vessels on the water. In fact, they're often preferred for ocean crossing due to their miraculous speeds and excellent rough-water handling qualities. Catamarans are uniquely equipped for safe and comfortable offshore sailing.What must be on a boat at all times? ›
Your Personal Safety Equipment must be carried onboard at all times. This includes life jackets and personal flotation devices (PFDs) as well as a buoyant heaving line. It's important that as a boat operator, you don't only have these on board but that you show your passengers how to use them.What are the pros and cons of living on a boat? ›
Pros such as privacy, freedom, and adventure top my sailboat living list. Some cons are cramped living space, having your home rock when the weather turns nasty, and small living space. There are many variables to consider when creating a list of pros and cons for living on a sailboat.
Running out of fuel is the number one reason for boat breakdowns. Most likely, your problem is with the filter or plugs. This could explain why your boat's motor is not turning on. Fix: Replace your in-line fuel filter.How many hours on a boat engine is good? ›
The average marine gasoline engine runs for 1,500 hours before needing a major overhaul. The average marine diesel engine will run for more than three times that long and log an average 5,000 hours under the same conditions.How long does it take to drive 100 miles in a boat? ›
How long does it take to sail 100 miles? With an average speed of 5 knots, it will take about 20 hours to sail 100 nautical miles. If you increase the speed to 6 knots, 100 nautical miles will take around 17 hours.What is 1000 hour service on a boat? ›
The Cooling System Maintenance, also known as the 1000Hr or 3200Hr service, provides maintenance on the heat exchanger, intercooler (after cooler/charge air cooler), gear box oil cooler, power steering oil cooler, fuel cooler, sea water cooled exhaust riser and in some cases, the seawater cooled engine oil cooler.What is the life expectancy of a marine gas engine? ›
In conclusion, gasoline marine engines last around 1,500 hours, and diesel marine engines have a life expectancy of 5,000 hours. Maintenance can improve these numbers greatly, so be sure to keep up with your boat and use it often! Account for the engine type when shopping for your next boat.What is the average life span of a boat? ›
The average boat is replaced every ten to twenty years. However, some boats will last much longer than that, but this will be determined by how the boat is used and how well it is maintained. The three main types of boats are made from: Aluminum.Do you pay taxes if you live on a boat? ›
If you are leasing a boat slip, property taxes will usually be included in the monthly lease price. However, there are ways to avoid paying property taxes when living on a boat. For vessels that are always at sea and only briefly stay in ports, you are less likely to be subject to property taxes.Can I write off my boat as an office? ›
A boat can qualify as a first or second home as long as it has sleeping accommodations (berth), a bathroom (head) and a kitchen (galley). You can take a mortgage interest deduction if your boat is financed and a home office deduction if you work from your boat. You'll need to do itemized taxes and file IRS Form 1098.Can you get Internet living on a boat? ›
You'll need to outfit your boat with a satellite hotspot or antenna to get service on the open sea. Global satellite internet service plans are available through VSAT internet, SeaSat, iDirect, and other carriers. $11.95–$64.95/mo. *Data as of 3/31/2021.What size boat to live on? ›
For a sailboat to be considered as a liveaboard, it needs to be at least 30ft. Anything smaller and the boat will be cramped for anyone other than a solo sailor. However, the larger the boat, the greater the cost of ownership. The ideal size sailboat to live on would be 35-45 feet for most people.
Marinas and boating activities can also contribute to nonpoint source pollution. Chemicals used to maintain and repair boats, such as solvents, oils, paints, and cleansers, may spill into the water, or make their way into waterbodies via runoff.What is the downside of buying a boat? ›
Of course, when it comes to buying new, the biggest downfalls are around cost. Not only does a new boat cost more to purchase, but most of the time it's more expensive to insure. Plus, when the time comes to sell your new boat, you're likely going to take a hit to your investment due to depreciation.Is it difficult to live on a boat? ›
Boats are a lot of work, far more than a house. Stuff breaks all the time and you'll need to be a good problem solver and ideally handy with tools. It's hard work, but on the plus side, you'll develop a whole bunch of new skills.Where is the best place to own a boat? ›
Florida, Texas and Virginia are top boat states.
These three account for nine of the top 10 cities in our study. They all have ample open water, warm weather and relatively low taxes on boats.
Boulder, Colorado is still America's #1 place to live in 2021-2022 according to U.S. News & World Report. What makes it so appealing? A paradise for those who love the outdoors, for practitioners of alternative medicine and fitness enthusiasts, wellness and health are at the core of Boulder's charm.How hard is it to live on a boat? ›
Boats are a lot of work, far more than a house. Stuff breaks all the time and you'll need to be a good problem solver and ideally handy with tools. It's hard work, but on the plus side, you'll develop a whole bunch of new skills.
- Marina Del Ray Marina.
- Marina Harbor Anchorage.
- Portofino Marina.
- California Yacht Marina.
- Rainbow Harbor and Marina.
- Port Royal Marina A California Yacht Marina.
- Peter's Landing Marina.
- Cabrillo Way Marina.
But if you're looking for a pre-owned yacht, what's the best age to aim for? Ten to 15 years in the life of a yacht is a key juncture where some spending will often be needed to maintain value, but initial depreciation has levelled out. It's also a part of the market with big variations in price.What is the boating capital of the US? ›
For years, Ft Lauderdale has been referred to as the 'boating capital of the world', based on the sheer number of boats in the many marinas at any one time.
1 best U.S. city to live in is Cambridge, Massachusetts—see which other cities made the list. Niche released its list of the best U.S. cities to live in 2023. This month, Niche released its ranking of the best cities to live in America in 2023.
The company also looks at factors like affordability, the local housing market, neighborhood diversity and public schools, to name a few. A new report has named Cambridge, Massachusetts—in the Boston area—the best city to live in America.How long can you stay in the ocean in a boat? ›
Assuming you're in warm waters and wearing a wetsuit and life vest, you could potentially survive for as many as three to five days, at which point you'll most likely succumb to dehydration. That is, unless a shark gets you first.Can you claim a boat as a residence? ›
Declaring your main home
Your main home is the one where you ordinarily live most of the year. This can be a boat or RV even if it doesn't have a permanent location. As long as it contains the required facilities, you can claim it as your main home on your taxes.
4 Percent Assessment for Qualifying Documented Vessels. Certain documented vessels are assessed at 4 percent of their full cash value, which amounts to a virtual exemption (see Revenue and Taxation Code section 227 and Property Tax Rule 151).