How Much Does It Cost to Live On a Cruise Ship?

Table Of Content

• Instead, they'll get to vote on the number of days the ship will spend at each port, according to Nagy-Ferenc.
• Meet the Retirees Who Live on Cruise Ships
• How Much It Costs To Live on A Cruise Ship
• Book Continuous Back-to-Back Cruises
• How Much Does It Cost to Live on a Cruise Ship?
• Protect Yourself With Private Health Insurance

Like any other home, the residences can be rented out or sold in whatever manner the owner chooses. A select few abodes are also listed for 24-year leases (starting at $600,000, or roughly $25,000 per year). After the initial purchase or lease price, each unit will also be charged a yearly fee, ranging from $65,000 to $200,000, to cover meals, amenities, and maintenance. When you choose to live on a cruise ship, you’ll have to adjust to a smaller living space compared to a traditional home. Cabins on cruise ships are designed to maximize efficiency and make the most of the available space.

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Instead, they'll get to vote on the number of days the ship will spend at each port, according to Nagy-Ferenc.

Oceania Cruises even offers a 116-day Snowbirds in Residence package where passengers spend the winter cruising and then return to their land life for the spring/summer months. Medical facilities found on most cruise ships feature basic medical equipment used for treating basic medical emergencies in the short term, such as defibrillators, x-ray machines, and all sorts of medicine. A medical team consisting of at least one doctor and two nurses is on call 24/7. However, they typically are not set up to provide chronic medical care.

Meet the Retirees Who Live on Cruise Ships

In this guide, we will explore everything you need to know about living on a cruise ship for a year and make your journey a smooth and enjoyable one. This year, Nolan left his cruise ship job to embark on a new journey in Los Angeles. He told BI he made about $4,000 a month working and living on cruise ships and said it was easy to save money because his rent and the cost of meals were covered by the company. You can retire and live on a cruise ship from $2,500 per month, if you choose world cruise itineraries on the cheapest ship options.

How Much It Costs To Live on A Cruise Ship

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One residential cruising company, however, is working toward making a permanent seafaring life a viable option. In late 2024, the Croatia-based cruise company Storylines is slated to launch a new residential ship, dubbed MV Narrative, where people can purchase an apartment onboard and sail indefinitely. There are a lot of additional places where you’ll spend money on a cruise ship.

You don’t have to take care of your own dwelling, there are plenty of things to do on board, and you get to travel the world. Imagine waking up to the gentle sway of the ocean, your only responsibility for the day being to explore new destinations and enjoy the luxuries of a floating paradise. Living on a cruise ship for a year may sound like a dream come true, but for those seeking adventure, relaxation, and a unique travel experience, it can become a reality.

The company is one of a handful that operates residential cruise ships.

To make life on a cruise ship a reality, there are several options available to you. Knowing these options is the first step to giving up your life on land and setting sail for the foreseeable future. Outside of seeing new places and getting a taste of adventure, there are also some practical reasons why you should choose to live on a cruise. Life on a cruise can actually save money because you don’t have to worry about purchasing food, paying for gas, or covering other land-based expenses. Only American-flagged cruise lines can sail solely in the United States.

These offer the comfort of a long-term solution, while being more affordable than the ultra-luxury MS The World. What we’ve gathered from this guide is that financially, it is viable to live on a cruise ship, although you need to plan your cruise carefully. Villa Vie Residences is another new live-on-board world cruise option that has an interesting offering. You can choose to own a cabin, or you can just craft your own world cruise by paying for a cabin like you normally would on a ship, for your chosen segment of the cruise. So really, the experience is very comparable to a typical cruise ship – the only difference is that you have your own kitchen area and that you’re able to stay on the ship long term.

Protect Yourself With Private Health Insurance

Taking these factors into account, the cost of living on a cruise ship can range from $60,000 per year to upwards of $150,000. It’s worth considering that the price of these items is a lot more on a cruise ship than they are at your local diners or stores. While you may not be interested in shore excursions if you’re living on your cruise, you should consider these as well.

But all of these cabins will come with a monitor that'll display the exterior of the ship.

Most popular cruise companies sailing multiple ships are foreign-flagged and must abide by laws requiring at least one foreign port stop. That’s why so many close-to-home cruises include Canada, the Caribbean, or Mexico. American-flagged cruise lines that can sail solely in U.S. waters include American Cruise Lines, UnCruise Adventures, and Lindblad Expeditions. You could also save money by booking a saver fare offered by some cruise lines. If you’re receiving Social Security, some or all of that income may be taxable if you also have earned income. Working a regular job while living aboard a cruise ship probably isn’t likely, but you might be making money from an online business.

Any medical emergencies might require you to be airlifted from the ship, and the distance to the nearest hospital could be quite far. As an example, in the UK you usually only pay tax if you live in the country for more than half the year. So, by living on a cruise ship permanently, you may not have to pay tax at all. It is usually cheaper to live on a cruise ship than in a nursing home. The UK average cost for living in a care home is £3,550 per month ($4,250), while the US average is much higher at $7,900 per month. The average cost of living stats for the UK and for the US include typical rent payments, the cost of food, transport and entertainment, so we’re looking at very comparable rates.

On a cruise, all your food and entertainment are included in the cost of the cruise. While you pay a lot upfront, you can actually end up saving money by doing away with monthly car payments and gas bills, utility costs, and grocery bills. Celebrate spring in California sailing round trip from San Francisco, with ports like Santa Barbara, Los Angeles, San Diego, and Ensenada, Mexico. In Santa Barbara, a notable curated outing promises a delicious meal at a leading local restaurant and a visit to a family-owned farm and “ground to glass” winery. Live it up at Universal Studios in Los Angeles, or admire the stunning art collection and striking modern architecture at Getty Center museum.

Here’s how to select the best cruise ship cabin for your needs, whether you're seeking breathtaking views, peace and quiet, convenience, or the best value. “As a U.S. citizen, your income is still taxable, even if you’re at sea the majority of the time,” Tetreault says. That includes both federal income tax and state income tax if that applies to the state of your primary residence. The slow travel schedule, the company states on its website, is part of its sustainable travel initiative, as being in the harbor for days at a time and going shorter distances between stops burns fewer fossil fuels.

American-flagged carriers like UnCruise Adventures offer Alaska, Pacific Northwest, and Hawaii cruises. American Cruise Lines counts the coastal Southeast, Alaska, Puget Sound, and New England among its itineraries. NLC America, a Norwegian Cruise Lines division, features the American-flagged Pride of America sailing the Hawaiian islands. Lindblad Expeditions’ National Geographic cruise line possesses four American-flagged ships that cruise Alaska and the Pacific Northwest.