Rv Living: Is It Possible To Call An Rv Home?

Living in an RV camper is an appealing option for many people who want to travel and live in different locations. It is a way to redefine the American dream and experience new adventures. However, there are several pros and cons to consider before making the transition to full-time RV living. One of the biggest challenges is the limited space and cramped quarters, which can be as small as 400 sq. feet or even less for those living in van conversions or truck campers. This means embracing a minimalist lifestyle and parting with most of your possessions. Another consideration is the cost, which can quickly add up with campsite fees, fuel, vehicle payments, and other daily expenses. Weather can also be a significant factor, as RVs do not offer the same protection as traditional homes and are more vulnerable to strong winds, hail, and extreme temperatures. On the positive side, RV living offers mobility and adaptability, allowing you to experience new places, cultures, and cuisines. It also provides more personal time, as there is less maintenance and fewer chores compared to a traditional home. Overall, full-time RV living can be a rewarding experience for those who are prepared for the challenges and embrace the adventurous lifestyle.

Pros and cons of living in an RV

Living in an RV is a unique alternative lifestyle that can be a great experience, but it has its pros and cons. Here are some of the key considerations to help you decide if RV living is right for you.

Pros of Living in an RV

Freedom and Mobility

One of the biggest advantages of RV living is the freedom it offers. You're not tied down to one location, so you can go wherever you want, whenever you want. If you don't like the weather or want to explore a new place, you can just pack up and go. RVs also allow you to travel with the comforts of home, avoiding the hassles of packing and unpacking, and staying in unfamiliar places.

Flexibility and Adventure

RV living offers flexibility in terms of location, money, and time. You can spend your summer by the beach and your winter in the mountains, or vice versa. It can also be more affordable than traditional housing, as you save on rent or mortgage and utilities. RV living can also provide financial freedom, allowing you to save money or spend it on experiences rather than material possessions.

Simplicity and Minimalism

Downsizing and minimalism are essential aspects of RV living. You'll need to get rid of many belongings and learn to live with limited storage space. While this can be challenging, it can also be liberating, as you cut your emotional ties to material possessions. RV living also encourages a more eco-friendly and mindful lifestyle, as you become more conscious of your consumption and resource usage.

Community and Relationships

Living in an RV can bring you closer to your travel partner, family, or pets, as you spend more time together in close quarters. It also provides the opportunity to meet new people and make friends at campgrounds and RV parks. RV living can also improve your communication skills and strengthen your relationships.

Work and Productivity

Working remotely from an RV can be a great experience, as you get to work in different locations with beautiful views. The change of scenery and the flexibility that RV living offers can enhance your productivity and job satisfaction.

Cons of Living in an RV

Cramped and Limited Space

One of the biggest drawbacks of RV living is the limited space. RVs can be cramped, especially if you're used to living in a larger home. You'll need to get creative with storage solutions and learn to live with less.

Maintenance and Repairs

RVs require regular maintenance and repairs, which can be time-consuming and expensive. Things will break, and you'll need to learn some basic DIY skills to fix issues on your own.

Unpredictable Weather

Weather conditions can significantly impact RV living. Strong winds, thunderstorms, snowstorms, and tornadoes can be dangerous when living in a lightweight, rolling home. You'll need to monitor weather conditions closely and be prepared to seek shelter if needed.

Lack of Privacy and Noise

RVs are smaller than traditional homes, which can lead to a lack of privacy, especially when staying at campgrounds or RV parks. They also don't have much insulation, so outside noises can be intrusive.

Complex Budgeting and Higher Costs

The cost of living in an RV can vary greatly depending on campground fees, fuel prices, and other expenses. Sticking to a budget can be challenging, as you may need to factor in unexpected costs, such as repairs or higher insurance premiums.

Limited Services and Amenities

RV living may require sacrificing some modern conveniences, such as a washer and dryer. You may need to spend time at laundromats or use public laundry facilities, which can be inconvenient and time-consuming.

Challenges of a Mobile Lifestyle

Living in an RV means constantly being on the move, which can be tiring and stressful. Finding a routine can be difficult, especially if you work on the road or have children. You'll also need to plan ahead for campground reservations, especially during peak seasons.

Living in an RV has its pros and cons. It offers freedom, flexibility, and the opportunity for adventure, but it also comes with challenges such as limited space, maintenance issues, and the constant need for planning. Ultimately, the decision to live in an RV depends on your individual needs and preferences.

Legality of living in an RV in your backyard

The legality of living in an RV in your backyard depends on several factors, including local zoning laws, homeowners association (HOA) rules, and specific municipal regulations. While it is generally legal to temporarily sleep in an RV on your property, using it as a permanent dwelling is often prohibited by law.

Local zoning laws and ordinances vary by area, and while most places allow temporary use of an RV, some municipalities may have restrictions. It is important to check with your local government or zoning office to ensure compliance. For example, some areas may have zoning laws that restrict the parking of RVs in residential areas or have time limits on how long an RV can be parked without a permit.

Homeowners Association (HOA) guidelines can also impose specific restrictions on parking and using RVs on your property, including limitations on overnight stays and the visibility of the RV from the street. Therefore, reviewing HOA rules is crucial before making any decisions.

In addition to local laws and HOA guidelines, building codes and safety standards must be considered. Campervans and RVs are often not classified as permanent residences and may not meet the necessary plumbing, electrical, and structural requirements for full-time living.

To live in an RV on your own property, you may need to obtain permits or register your RV as an accessory dwelling unit (ADU), depending on the regulations in your area. Some states and counties permit full-time RV living, while others only allow temporary use. It is essential to research the specific laws and regulations in your state, county, and municipality before making any decisions about living in an RV in your backyard.

Cost of living in an RV

The cost of living in an RV varies depending on your lifestyle and travel preferences. Some people choose to live in an RV to save money, while others do it for the freedom to travel. Here is a breakdown of the main expenses to consider when living in an RV full-time.

Gas and Propane

Gas and propane costs can be one of the highest expenses for RVers, depending on various factors such as fuel economy, distance travelled, season, weather, and gas prices. For example, gas prices can vary significantly from state to state, and larger vehicles tend to have lower fuel economy. On average, RVers can expect to spend a few hundred dollars per month on gas and propane.

Campsite Fees

Campsite fees include the cost of staying in an RV campground or park, and can range from free to over $100 per night. Basic RV parks provide essential amenities such as sewer, water, and electric hookups, while luxury campgrounds offer additional amenities like pools, hot tubs, and golf courses. Monthly RV park stays can be a more affordable option, with some parks offering discounts for extended stays.

Food and Groceries

The cost of food and groceries in an RV is similar to that of a traditional home. Dining out can be expensive, but cooking meals in the RV can help save money. On average, a budget of $1000 per month for two people is recommended, but this can be reduced to $500 by choosing less expensive groceries. Propane costs for cooking should also be considered, with an expected monthly expense of $30 to $100.

RV/Truck Loan and Maintenance

The cost of RV and truck maintenance can be unpredictable, with some months having no expenses and others requiring repairs costing over $1000. It is recommended to budget around $200 per month for maintenance and repairs, and have a cash reserve of about $5000 for unexpected breakdowns. Staying on top of maintenance and monitoring factors like tire pressure and oil changes can help prevent costly repairs.

Insurance

Insurance costs will vary depending on individual needs and state requirements. On average, RVers can expect to pay about $100 to $200 per month for RV and vehicle insurance. Health insurance should also be considered, especially if self-employed or travelling without employer-provided coverage.

Phone and Internet

Reliable internet access is important when living in an RV full-time. Verizon and AT&T are popular choices among RVers due to their wider coverage in small towns and remote locations. A mobile hotspot device or a separate hotspot data plan can be useful for working remotely or streaming entertainment.

Entertainment

Entertainment expenses can include TV providers, camping gear, and activities such as concerts or tourist attractions. The cost of entertainment can vary depending on personal preferences, but budgeting around $300 per month is a good starting point. Nature provides plenty of free entertainment, and passes like the America the Beautiful pass offer access to national parks and other federal landmarks at a discounted rate.

Other Costs

Other costs to consider when living in an RV include laundry, toll roads, RV storage, medications, and emergency repairs. These expenses can vary depending on personal needs and travel plans, so it is important to have a backup emergency fund to cover unexpected costs.

RV living preparation

Research

Before deciding to live in an RV full-time, it's important to do your research. This includes looking into the different types of RVs available, such as Class A, B, or C motorhomes, travel trailers, or truck campers, and considering your family's needs, wants, and expectations. It's also crucial to balance your desires with practicality when choosing an RV. Additionally, consider the pros and cons of RV living, such as the freedom to travel and the limited space and amenities.

Budgeting

Creating a budget is essential for full-time RV living. While it may seem cheaper than living in a traditional home, there are still many expenses to consider. These include the cost of the RV, campsite fees, fuel, insurance, maintenance, repairs, utilities, groceries, and entertainment. It's important to research and plan your budget accordingly.

Downsizing

Transitioning to full-time RV living requires adopting a minimalist lifestyle and downsizing your possessions. Start by stopping any new purchases and focus on getting rid of large items first. Then, go through your smaller belongings multiple times, as you may find that you can part with more than you initially thought. Decide whether you want to get a storage unit for the items you can't part with or sell/donate them.

Income

Unless you're retired or have significant savings, you'll need an income to support your full-time RV lifestyle. Some options include taking your current job on the road, finding remote work, workamping (working at a campsite in exchange for a free stay), freelancing, or starting your own business.

Mail and Domicile

You'll also need to consider how you'll receive mail and establish a legal domicile for voting, taxes, and other legal purposes. One option is to use a mail forwarding service, which provides you with a physical address and forwards your mail to you as you travel. You can also choose a domicile state, such as Texas, South Dakota, or Florida, which are popular among RVers due to their low taxes and favourable laws.

RV Maintenance and Safety

It's important to learn how to safely operate and maintain your RV to avoid costly repairs. This includes performing regular inspections and maintenance, such as checking your brakes, tires, and lights before each trip. Additionally, follow safety guidelines such as the 3/3/3 rule for RV living: stop and rest every 3 hours, drive no more than 300 miles per day, and park for at least 3 days at each location.

Campsite and Travel Planning

Familiarise yourself with different camping styles, such as boondocking (dry camping without hookups), RV resorts, and state parks. Join RV clubs and memberships to access discounts and community support. Use apps and websites like AllStays, Campendium, and Recreation.gov to find campgrounds and plan your travels. Start with short local trips to get comfortable with your RV before embarking on longer journeys.

RV living restrictions by state

While many states in the USA allow full-time RV living, local regulations vary and some states have more restrictions than others. Here is a breakdown of RV living restrictions by state:

Alabama

Full-time RV living is legal in Alabama, but you must register your vehicle with the local county office.

Alaska

Alaska only allows limited RV camping of up to 14 days in one location and prohibits full-time residency.

Arizona

There are no specific laws in Arizona prohibiting full-time RV living, but some cities may have ordinances restricting it, so it's important to check local regulations.

Arkansas

In Arkansas, you can live in an RV full-time as long as you're on private property.

California

California has very relaxed laws for RV residency, with no restrictions on how long you can stay in one location as long as you don't create any nuisances or health hazards. You can also park on public lands for up to 14 days without a permit.

Colorado

Colorado allows full-time RV living, but you must comply with local ordinances and any applicable laws.

Connecticut

Full-time RV living is permitted in Connecticut, but you must register your RV with the Department of Motor Vehicles and have a valid license plate.

Delaware

Living in an RV full-time is strictly prohibited in Delaware, with residents facing a $100 fine for violations.

Florida

Florida permits full-time RV living as long as the vehicle complies with county regulations and is connected to utilities.

Georgia

There are no specific laws in Georgia prohibiting RV living, but some counties may have ordinances against it, so check local regulations.

Hawaii

Sleeping in an RV is generally prohibited in Hawaii, although camping is allowed on some beaches. Extensive research on local ordinances is recommended before considering full-time RV living in Hawaii.

Idaho

In Idaho, an RV can be a permanent residence on private property if it has proper wastewater hookups and isn't located inside an enclosed building. Occupancy is limited to six months and is prohibited between November 30 and March 15. The occupant must be an Idaho resident with local employment, a caregiver, or a family member residing in the household.

Illinois

Living full-time in an RV is legal in Illinois, but you must comply with local regulations.

Indiana

Indiana has no specific laws regarding full-time RV living, but some counties may have ordinances against it, so check local regulations.

Iowa

Iowa allows full-time RV residency as long as you follow local ordinances and don't create nuisances or health hazards. RV living is only permitted on private property with the owner's consent.

Kansas

Full-time RV residency is allowed in Kansas but only on private property with a valid registration from the Kansas Department of Motor Vehicles.

Kentucky

Local governments in Kentucky have authority over land-use regulations, so it's important to check the specific ordinances in your chosen location. For example, Lexington prohibits inhabiting campers on private property.

Louisiana

Living full-time in an RV is permitted in Louisiana, but long-term stays require an inspection from local authorities.

Maine

RV living regulations vary by municipality in Maine, so it's important to familiarize yourself with the local ordinances. In general, it's allowed as long as you don't create nuisances or health hazards.

Maryland

In Maryland, the property must be one acre or larger, and RVs cannot be permanent residences. In permitted zones, the property owner, tenants, or guests can utilize one RV on the property.

Massachusetts

Massachusetts allows full-time RV residency as long as you comply with local regulations and park on private land.

Michigan

State law in Michigan prohibits using "travel trailers" and "camping trailers" as permanent residences, but they can be lived in on your property for short periods as emergency shelters.

Minnesota

Minnesota allows full-time RV residency in certain state parks, but you must

Frequently asked questions