What are the real RV expenses of living on the road full-time?
This guide breaks down the most common costs RV owners face, provides realistic monthly estimates, and offers practical tips—especially for Florida RVers—on how to save while staying protected.
Understanding Full-Time RV Expenses
Living in your RV full-time involves more than fuel and campsites. Like a home on wheels, it comes with its own version of rent, utilities, and insurance.
Whether you’re retired, remote working, or just embracing the nomadic lifestyle, understanding your monthly RV expenses can help you travel smarter and avoid financial surprises.
🔍 Major Categories of RV Expenses
1. RV Loan or Purchase Cost
If you’ve financed your RV, monthly payments will likely be your biggest fixed cost.
- Average loan payment: $400–$1,000/month
- Paid off? Great—budget instead for upgrades or maintenance.
2. Campground & Site Fees
Costs vary depending on how often you move, location, and your camping style.
- RV Parks (with full hookups): $30–$60 per night
- Monthly rates: $700–$1,200
- State/National Parks: $20–$40 per night
- Boondocking: Often free (but usually without hookups)
Pro Tip: Look into programs like Passport America or Thousand Trails to cut campground costs significantly.
3. RV Insurance (Full-Time Use)
Standard RV insurance won’t cut it if you’re a full-timer. You’ll need a policy that acts more like homeowners insurance.
- Full-time RV insurance in Florida: $100–$250/month
- Includes: personal liability, full replacement value, and emergency expenses
- Make sure your policy covers hurricanes or flooding—especially if traveling in Florida
👉 Get an RV insurance quote tailored for Florida »
4. Fuel & Travel Costs
Fuel is variable depending on how often you move and the size of your rig.
- Monthly average: $250–$600
- Consider budgeting more for seasonal travel (Florida to the Pacific Northwest? You’ll feel it at the pump.)
5. Utilities & Connectivity
RVers still need power, water, and Wi-Fi—even off-grid.
- Propane: $30–$60/month
- Electric (if not included): $50–$100/month
- Internet (Starlink, mobile hotspot plans): $80–$150/month
Pro Tip: Florida’s sunny climate makes solar power a smart long-term investment.
6. Maintenance & Repairs
RVs are essentially moving houses—they need regular upkeep.
- Monthly average: $75–$200
- Keep a rainy-day fund for unexpected repairs (slide-outs, generators, AC, etc.)
7. Food & Groceries
This won’t differ much from regular living—but you may eat out more during your travels.
- Groceries: $400–$600/month
- Dining out: $100–$200/month
8. Miscellaneous & Lifestyle Costs
These are the often-overlooked expenses.
- Laundry
- Storage units
- Pet care
- Memberships (AAA, RV clubs)
- Entertainment, tolls, and more
Budget at least $100–$300/month
📊 Total Estimated Monthly RV Expenses
| Category | Monthly Range |
|---|---|
| RV Loan | $400 – $1,000 |
| Campsite Fees | $700 – $1,200 |
| Insurance (Full-Time) | $100 – $250 |
| Fuel | $250 – $600 |
| Utilities & Internet | $200 – $300 |
| Maintenance & Repairs | $75 – $200 |
| Food & Dining | $500 – $800 |
| Miscellaneous | $100 – $300 |
| Estimated Total | $2,325 – $4,650 |
🚐 Florida-Specific Insights for RV Owners
If you’re based in or frequently travel through Florida:
- Insurance is critical. Hurricanes, heavy rain, and flood zones make comprehensive RV insurance non-negotiable.
- Off-season discounts. Summer is hot—so campground prices drop. Great for snowbirds who reverse travel.
- Year-round maintenance. Humidity and salt air can affect tires, seals, and paint. Budget more for upkeep.
🔧 How to Cut Full-Time RV Living Costs
- Choose longer campground stays to take advantage of weekly/monthly rates.
- Embrace boondocking and free campsites when possible.
- Cook your own meals—many RVs have full kitchens.
- Use solar panels to cut down on generator fuel or electric hookups.
- Shop insurance and compare plans annually.
Conclusion: Is Full-Time RV Life Affordable?
Yes—but only if you plan. RV expenses can rival or exceed apartment living if you’re not mindful. That said, many RV owners find the trade-off worth it: freedom, flexibility, and fresh scenery whenever they want.
The key is preparation, especially in areas like insurance and maintenance. A solid understanding of your RV expenses lets you live this lifestyle with confidence, not surprises.
Get Covered Before You Hit the Road
As Florida RV insurance specialists, we understand the needs of full-timers better than most. Whether you’re parked near the beach or traveling cross-country, your home-on-wheels deserves proper protection.
