Answer
Can you live on a boat full-time?
Yes — at marinas with an approved liveaboard program. Most require an application, an additional fee, and a minimum boat size.
Marina approval
Many U.S. cities cap liveaboard slips by ordinance. Marinas that allow liveaboards typically require an application, references, insurance proof, and a boat over 28 ft.
Costs
Monthly dockage + liveaboard surcharge + metered electric + insurance + boat maintenance. Total commonly $1,200–$4,000/mo.
Lifestyle realities
Compact living, weather awareness, regular pump-outs, mail via UPS Store, tight community on the dock.