What Is the Total Cost to Own a Pontoon Boat?

Owning a pontoon boat involves a financial commitment that extends beyond the initial purchase. The cost of acquiring a pontoon boat varies significantly based on factors like its size, features, and whether it is new or used. Prospective owners must also consider a range of ongoing and ancillary costs. Understanding these expenditures is important for anyone considering pontoon boat ownership.

The Purchase Price of New Pontoon Boats

The initial cost of a new pontoon boat varies widely, ranging from $15,000 to over $175,000, influenced by its size, engine power, and amenities. Entry-level models, often 16 to 18 feet, fall within the $16,000 to $28,000 range. These boats include basic seating and a modest engine, suitable for casual use. A common new pontoon, approximately 22 feet long with a 90 horsepower engine, averages around $30,000.

As boat length increases, the price generally rises; every two-foot increase can add an estimated $1,000 to $1,500. Mid-range pontoon boats, usually 20 to 22 feet, cost from $28,000 to $50,000 and feature more powerful engines, enhanced seating, and options like fishing setups. Larger models, spanning 24 to 26 feet, can range from $50,000 to $90,000 or more, accommodating larger groups. The engine is a significant cost factor, with options from 25 to 450 horsepower, costing between $6,000 and $80,000.

Luxury pontoon boats, often exceeding $100,000, incorporate high-end materials like fiberglass siding for a sleeker appearance. These vessels boast advanced electronics, plush furnishings, and sophisticated sound systems. Brand reputation also influences pricing, with well-known manufacturers often commanding a premium due to quality and warranty programs. Factors like trim level, performance packages, and customizable options further contribute to the final price, allowing buyers to tailor the boat for various uses.

Cost Considerations for Used Pontoon Boats

Used pontoon boats offer substantial cost savings compared to new vessels, though pricing is influenced by several factors. They range from $12,000 to $70,000, with some older models available for as little as $5,000. The boat’s age, overall condition, engine hours, and maintenance history determine its resale value. Modifications made by previous owners can also affect the boat’s worth.

Pontoon boats experience depreciation over time. New pontoons can lose 20% to 30% of their value in the first year. Depreciation averages 15% to 25% annually, with the highest decline occurring shortly after purchase. After initial years, depreciation slows. A well-maintained used pontoon may depreciate at a slower rate of 5% to 10% annually, allowing owners to recoup more of their investment upon resale.

Before finalizing a used boat purchase, a professional marine inspection is recommended to identify hidden repair costs. These marine surveys range from a few hundred dollars to over a thousand, depending on the boat’s size and age. While an inspection adds to the upfront cost, it provides a comprehensive assessment of the boat’s structural integrity, engine performance, and overall condition, ensuring a sound investment.

Ongoing and Ancillary Costs of Pontoon Ownership

Beyond the initial purchase price, pontoon boat ownership involves several ongoing and ancillary costs. Sales tax is assessed upon acquisition, varying by state, and initial registration and titling fees are required. These registration fees are paid annually and range from $25 to $250.

Boat insurance is another recurring expense, with average annual premiums for pontoons between $200 and $500. Factors influencing insurance costs include the boat’s size, value, owner’s experience, and geographic location. Fuel costs are variable, depending on use and engine efficiency, with typical outings costing around $20 to $50.

Maintenance is important for preserving a pontoon boat’s condition. Annual maintenance expenses range from $600 to $1,200, encompassing routine tasks like oil changes and cleaning. More comprehensive maintenance, including unexpected repairs, can cost $1,000 to $3,000 annually. In colder climates, winterization services protect the boat from freezing temperatures, costing $250 to $600.

Storage solutions also present a range of costs. Wet slips at a marina, where the boat remains in the water, are often the most expensive, ranging from $25 to $150 per foot per month, or $1,500 to $2,500 annually. Dry storage, where the boat is kept out of the water, includes dry stack storage ($10 to $40 per foot per month) or indoor units ($100 to $250 per month). Outdoor storage, either uncovered or covered, offers more economical choices, ranging from $50 to $150 per month.

Essential accessories like a boat trailer ($2,000), covers ($200-$500), and anchors ($50-$200) must be factored in. For financed purchases, interest on a boat loan is an additional cost. Average boat loan interest rates in 2025 typically fall between 7% and 10%, fluctuating based on credit score, boat age, and economic conditions. A down payment, usually 10% to 30% of the purchase price, is required.