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How much does it cost to live on a cruise ship year round?

Considering all these factors, the cruise fare for living on a cruise ship can cost anywhere from $60,000 per year to upwards of $150,000. However, knowing what you get and where you spend your money is important. Let's look at what you can expect to spend your money on when living on a cruise ship.



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Is there a cruise ship you can live on? There are several cruise ships designed for permanent living. The World is the only one sailing currently but more are coming soon. MV Gemini is the most affordable option, with apartment purchase prices starting at $1,000,000 plus $65,000 per year for fees.

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Those who have an inside cabin will be paying about $2,400 a month per person, said Valerie Linderoth, a Victoria Cruises Brand Ambassador. It's actually pretty affordable. While the price of $2,400 a month may not sound affordable at first, there are other factors to consider.

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The truth is, yes, you can totally live on a cruise ship. The idea of living on a cruise ship for a year or two is very appealing to some, especially remote workers or people in retirement.

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Managing Your Taxes When Living on a Cruise Ship 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.

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Prices started at $29,999 per year for individuals sharing an inside cabin for the cruise, ramping up to nearly $109,999 per year for a larger suite, with Gemini expected to visit 375 ports in 135 countries and seven continents after setting sail Nov.

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Some cruise lines offer cabins for sale, allowing you to own your place at sea. Other ships accommodate extended trips, such as 180 days or more. You also need to decide what to do about your current housing situation. You might rent your home while you set sail or divide your time between cruising and living on land.

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World cruises – generally ranging from 100 to 180 days – mostly start in January but here are three mega voyages you can still book this year:
  • 274 nights: Royal Caribbean. ...
  • 183 days: Nicko Cruises. ...
  • 101 nights: P&O Cruises.


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If money's no problem and you're not prone to seasickness, the 43,524-ton MS The World residential cruise ship may be just the ticket. That ticket for one of its 165 luxurious shipboard condos, by the way, can cost from $825,000 to $7.3 million. First, though, you'll have to prove your net worth exceeds $5 million.

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Life at Sea cruises, which will host a three year cruise for $30,000 per year, is taking on more passengers. Apparently, the number of people who want to sail away from their lives is bigger than expected.

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Some Cruise Ship Crew Can Bring Their Children Onboard Cruise lines will often let officers bring spouses and children onboard. However, some cruise lines will let any crew member that has a position that is guaranteed their own cabin (meaning they will never have a roommate).

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On average, a 180-day cruise can range from $50,000 to $200,000 per person. This price includes accommodation, meals, entertainment, and access to onboard amenities. The cost of a 180-day cruise may seem steep, but it is crucial to consider what is included in the package.

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(One cruise line advertises the ability to live aboard for just around $33,000 per person, per year.) After all, a cruise for $500 a week would cost only $26,000 to sail for a year. For many people, that would be cheaper than living on land!

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Regent Suite, Regent Seven Seas: $11,000/night. Perhaps the most expensive cruise ship suite -- and the most coveted -- belongs to luxury line Regent Seven Seas, which seems to outdo itself with each new ship.

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Interior or inside staterooms are typically the least expensive category on a cruise. Those cabins are generally the smallest on board and rarely accommodate more than three people, according to Joy Hess, owner and lead travel consultant at Outside the Lines Travel.

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It is the cost paid by each person assuming that two people will be staying in a room, each paying the stated price. Essentially, if you want to travel alone, and have your own room…you pay double.

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