I cannot speak to the costs of owning and maintaining a 60' cat, but I can speak to the costs of owning, maintaining and operating a 58' monohull
Doing all the work on the boat will save money
, but it still will cost a fair amount. There are some costs you cannot do much about -- such as insurance
, taxes/registration -- except by choosing to self-insure or to keep the boat in jurisdictions with minimal taxes
. Other costs will depend on the choices you make -- slip fees
alone on a boat like that can run $2-3k+/month, depending on where you are. Then there are operating costs -- things like fuel
maintenance and sails
, that vary with the usage. There are a *lot* of costs that fall into this category -- think about the depreciation of a dinghy
, a feathering prop, or a genset -- there are many, multi-thousand dollar things on a boat that have finite lifetimes. There are other costs that don't vary with usage -- your bimini
, and bottom-paint/bottom scrubbing come to mind. There are so many items, I'd find it hard to make a comprehensive list (e.g. when will my liferaft
need recertification?) With a hundred or so pumps on board, a few fail and need replacement each year.
Many of the costs are things that can be postponed, to a point. For example, do I *really* need a new dodger
this year? Can I get another season out of our mainsail
? Is my the chain on our primary anchor
okay for another season? Other costs are one one would hope to avoid (e.g. bowthruster prop fouled and needs replacement, gelcoat
chipped where it "kissed" the dock). Others are unforeseeable (anemometer blown off in hurricane).
Personally, I would feel uncomfortable putting a large fraction of my assets into a boat and then having a limited, fixed budget to maintain the boat with. Some years you might get away with spending only $30k to keep her. Other years it might be more like $100k. If you haven't owned a comparable boat before, and expect to do most of the work on the boat yourself, I would think about 7-8% of the cost of the boat is a good baseline if you include everything from insurance
, taxes, registration
, dockage, maintenance, boat-presents, etc. If you make different choices, though, the numbers could be higher or lower by at least a factor of 2.