I spent a couple of winters
living aboard in
Annapolis MD, two of which experienced some pretty cold temps. Primary heat was two
electric radiators run off the
shore power as I paid a flat rate for utilities. Secondary was the boat's Espar
heater which kicked in when the radiators could not keep up. An Espar will toast up your
boat in short order and is pretty parsimonious in terms of
fuel. Lastly, shrink-wrapping your
boat, particularly with clear plastic, will help tremendously in insulating your boat and also protecting the
deck from snow and ice, but it's expensive and makes getting on and off the boat a bit more difficult.
The two more challenging aspects of
living aboard in winter are
safety and logistics.
In terms of
safety, it does not take much more than a hard frost to make docks treacherous. I had a few days, after ice storms, where I could not get off the boat at all. I had those strap on studs for your boots which I used A LOT, but even so there were days where trying to safely get from the boat to the finger pier was just not worth the risk. If you fall in, there is no one around to help and the
water is in the thirties.
Annapolis has a ton of
live-aboard, and it seems like every winter there is a story of someone falling in and if not expiring outright having a harrowing experience.
Logistics. Everything becomes a bit more complicated. Running to the showers in summer is great. In the winter it can be a slog and not so fun. Grocery
shopping becomes a bit more complicated.
Lastly, it can be lonely and a bit isolated. The marina is a wasteland in winter, all the other liveaboards are holed up like hibernating bears.
It's definitely doable. You just have to be prepared and be willing to endure some inconvenience and challenges.