April 9, 2025

Cost of Full-Time RV Living

Cost of Full-Time RV Living

The truth? There’s no one-size-fits-all number. Some RVers get by on less than $2,000 a month, while others spend upwards of $5,000. Your RV, travel style and lifestyle choices play a role in determining how much full-time RV living costs. This guide breaks down the major expenses, budgeting strategies and real-world examples to help you decide if full-time RV life is financially realistic for you.

What Determines the Cost of Full-Time RV Living?

The cost of full-time RV living isn’t just about the price of your rig. It’s about how and where you travel, your camping style and personal spending habits. Here are the biggest factors that influence your budget:

  • Your RV Type – A Class A motorhome has a different cost structure than a travel trailer. Larger RVs tend to have higher fuel, insurance and maintenance costs.
  • New vs. Used RV – A brand-new rig may cost more upfront, while a used RV might require more repairs.
  • Travel Frequency – Staying in one place for weeks at a time keeps costs down, while frequent travel increases fuel and campsite expenses.
  • Camping Style – Full-hookup RV resorts can be pricey, while boondocking significantly lowers costs.
  • Luxury vs. Budget Travel – Eating out, paid attractions and premium campsites add up, while a more frugal approach keeps expenses lower.

Let’s break down the key expenses.

Major Expenses of Full-Time RV Living

1. RV Purchase or Rental Costs

One of the biggest upfront decisions is whether to buy or rent an RV.

  • Buying an RV – Costs vary widely, from a $20,000 used travel trailer to $1,000,000 luxury diesel Class A motorhome. Financing adds monthly payments, while paying cash eliminates interest.
  • Renting an RV – If you’re not ready to commit, long-term RV rentals range from $1,500–$4,000 per month, depending on size and season.
  • Resale Value – When considering resale or trade-in down the road, it’s important to look for manufacturers that offer the most features as part of their base model. Since trade-in value is primarily based on standard features, RVs with more built-in amenities tend to hold their value better. Our RVs come equipped with nearly every option as a standard feature, resulting in higher resale values compared to models with add-on upgrades.

Not sure which RV fits your lifestyle? Check out our guide on the best Class C RVs for 2025 to explore reliable options with a balance of space and affordability.

2. Campsite & Parking Fees

Where you park makes a big difference in your RV living cost.

  • RV Parks & Campgrounds – Expect to pay $30–$100 per night with discounts for weekly or monthly stays.
  • Memberships – Programs like Thousand Trails or Harvest Hosts provide free or discounted stays for an upfront fee.
  • Boondocking (Free Camping) – Staying on BLM land or public lands costs nothing but requires a self-sufficient setup.

On average, full-time RVers spend $500–$1,500 per month on camping.

3. Fuel Costs

Your fuel expenses depend on:

  • RV Type – Class A and Class C motorhomes use more fuel than a towable travel trailer.
  • Travel Frequency – Staying in one place for a month? You’ll spend much less than if you’re constantly moving.
  • Fuel-Saving Strategies – Apps like GasBuddy find the cheapest fuel.

Average monthly fuel costs range from $250–$800 depending on mileage and RV size.

4. RV Insurance & Registration

  • Insurance for Full-Time RVers – Standard RV insurance may not cover full-time living. Expect $100–$300 per month for full-time policies.
  • Registration Fees – Varies by state with South Dakota, Texas and Florida being popular low-cost choices.
  • Extended Warranties & Roadside Assistance – Can add $50–$150 per month but may provide peace of mind.

5. Maintenance & Repairs

Just like a home, RVs need maintenance. Budget for:

  • Routine Services – Oil changes, tire replacements and brake inspections cost $500–$2,000 per year.
  • Unexpected Damages – While today’s RVs are built to last, accidents can happen. Keep in mind that unexpected damages from things like road debris, improper leveling, or user error can occur. Being prepared and understanding how to properly maintain and protect your RV can make all the difference.
  • DIY vs. Professional Repairs – Learning basic maintenance skills can save money.

Many full-timers set aside $1,000–$3,000 per year for maintenance.

6. Utilities & Connectivity

  • Campsite Hookups – Electricity, water and sewer are usually included in campground fees, but metered electricity may cost extra.
  • Solar & Generators – Many manufacturers now include solar systems or pre-wire units for easy installation, minimizing your out-of-pocket expenses. While adding a complete solar setup can range from $1,500–$5,000, having a factory-prepped unit makes the process more affordable and helps reduce long-term energy costs.
  • Internet on the Road – Starlink, mobile hotspots and Wi-Fi boosters cost $50–$150 per month.

7. Food & Groceries

  • Cooking vs. Eating Out – Home-cooked meals save money, while frequent dining out adds up.
  • Grocery Costs – Expect $400–$1,000 per month, depending on dietary preferences.

8. Health Insurance & Medical Expenses

  • Full-Time RV Health Insurance – Options include marketplace plans, travel-friendly insurance and health-sharing programs.
  • Telehealth & Urgent Care – Services like Teladoc can help with minor medical needs.

Budget $300–$800 per month for healthcare.

How Much Does Full-Time RV Living Cost? Real-Life Budgets

Here’s a look at common monthly budgets:

  • Budget RV Life ($1,500–$2,500/month) – Older RV, boondocking and minimal travel
  • Mid-Range ($3,000–$4,500/month) – Mix of campgrounds and boondocking; moderate travel
  • Luxury RV Life ($5,000+/month) – High-end RV, premium resorts and frequent dining out

Is Full-Time RV Living Affordable?

Full-time RV living is incredibly flexible—it can be as budget-friendly or as luxurious as you want. With thoughtful planning, you can create a lifestyle that fits your financial goals. Plus, if you work remotely, RV life offers the unique advantage of earning an income while traveling wherever the road takes you.

If you’re traveling as a family, choosing the right RV can make all the difference in both comfort and cost. Check out our guide on the best RVs for large families to explore top options that maximize space and functionality.

The cost of full-time RV living is flexible—it can be as budget-friendly or as luxurious as you make it. With smart planning, you can design an RV lifestyle that fits your financial situation.

If you’re traveling as a family, choosing the right RV can make a significant difference in both comfort and cost. See our guide on the best RVs for large families for top options that maximize space and functionality.

Ready to Find the Right RV for Your Budget?

Every full-time RVer has different needs, and the key to managing your RV living cost starts with choosing the right rig. Use our RV Selector Tool to compare models, features and price points to find the perfect RV for your lifestyle.

RV living can be affordable, adventurous and everything in between—it’s all about how you plan.