A small yacht typically costs anywhere from the low hundreds of thousands to a few million dollars, depending on whether it’s new or used, sail or motor, and how it’s equipped. That said, the sticker price only tells part of the story. Once you factor in insurance, dockage, winterization and maintenance, the real cost of owning a small yacht runs well beyond the purchase price.
If you’re weighing whether a small yacht fits your budget, it helps to look at the full picture rather than just the number on a listing. Below, we break down current small yacht pricing, what that price actually includes, what ongoing ownership tends to cost, and what to ask before you buy.
What Is the Small Yacht Price Range in 2026?
Pricing last updated: August 21, 2026
“Small yacht” generally refers to vessels under about 50 feet, and the small yacht price range within that category varies widely based on condition, brand and equipment. Looking at LUX’s current inventory, that range spans roughly $76,000 to $850,000 CAD:
- New small yachts (motor): roughly $96,000 to $850,000 CAD
- Used small yachts (motor): roughly $76,000 to $600,000 CAD
Here’s a sample of small yachts currently in LUX’s inventory:
| Model | Length | Condition | Price (CAD) |
| 2023 Estar TY375 | 38 ft | New | $850,000 |
| 2024 Axopar 45 XC | 45 ft | New | $779,900 |
| 2021 Beneteau Gran Turismo 40 | 42 ft | Used | $599,888 |
| 2017 Formula Super Sport 370 | 37 ft | Used | $489,888 |
| 2022 Boston Whaler 280 Vantage | 28 ft | New | $414,999 |
| 2022 Regal LX36 | 36 ft | New | $356,199 |
| 2008 Regal 4460 Commodore | 44 ft | Used | $349,000 |
| 2019 Regal 35 Sport Coupe | 35 ft | Used | $260,000 |
| 2024 NX 280 Xtreme | 28 ft | New | $239,000 |
| 2023 Lund Fisherman 2075 | 20 ft | New | $130,000 |
All ten are motor yachts. LUX’s current small yacht inventory is predominantly motor vessels, so if you’re specifically looking for a small sailing yacht, a broker can tell you what’s available or expected to come in.
These figures reflect current LUX inventory as of August 2026. Prices shift as boats sell and new listings come in, so treat this as a snapshot rather than a fixed number, browse current small yachts for sale for the latest options, or confirm pricing on a specific listing with a broker.
Small Yacht Cost Breakdown: What’s Included in the Price
The advertised small yacht cost breakdown usually covers the hull, a standard engine package and the manufacturer’s base equipment list. What it often doesn’t include is everything that makes the boat ready to use the way you picture it: upgraded electronics, custom upholstery or finishes, a bimini or hardtop, dealer prep and commissioning, and delivery to your marina.
On a used yacht, the listed price may or may not reflect recent upgrades, repairs or replaced components, which is one reason a pre-purchase survey and mechanical inspection matter as much as the number on the listing. Two boats with the same asking price can be in very different condition, and that gap usually only becomes clear once you look past the listing photos.
The Real Cost of Owning a Small Yacht
The cost of owning a small yacht goes beyond the purchase, and it’s worth budgeting for before you buy rather than after. The main categories include:
- Insurance, which varies based on the vessel’s value, age and how you plan to use it
- Marina or dockage fees, which depend heavily on location and season
- Winterization and storage, an especially important line item for Ontario and Georgian Bay owners, given the region’s boating season
- Fuel, which varies by engine type, hours run and cruising habits
- Financing, if you’re not paying cash. Our team works with a network of banks and private lenders, though approval and terms always depend on the lender and applicant
A common rule of thumb in the industry is to budget somewhere around 10% of the purchase price per year for ongoing ownership costs, though this varies enough by vessel and usage that it’s best treated as a planning estimate rather than a guarantee. A smaller, simpler vessel with fewer systems will generally sit at the lower end of that range, while a larger or more complex small yacht with more onboard equipment tends to run higher.
Small Yacht Maintenance Costs to Budget For
Small yacht maintenance costs tend to fall into a few recurring categories, and knowing them ahead of time makes ownership far less stressful:
- Engine servicing and routine mechanical checks
- Hull cleaning and bottom paint
- Canvas, upholstery and interior upkeep
- Electronics and onboard systems maintenance
- Haul-out, storage and winterization
Costs here depend on the vessel’s age, engine hours and how much of the work you handle versus hire out. A mechanical inspection before purchase can also flag issues early, before they become expensive surprises.
New vs. Used: How It Affects Small Yacht Price
Depreciation plays a big role in small yacht price. New yachts typically lose the most value in the first year or two, then depreciation slows and levels off. That makes used yachts appealing for a lower upfront cost, though they may need more attention early on in the form of inspections, repairs or upgrades. A new yacht costs more to start, but you’re generally trading that premium for fewer unknowns. Neither option is inherently better. It comes down to your budget, timeline and comfort with older systems.
Where to Find Small Yachts for Sale
If you’re browsing small yachts for sale in Toronto, the GTA, Port Credit or Georgian Bay, our team can help you compare options based on your budget, intended use and financing needs rather than pointing you toward a single “best” boat. We’ll walk you through the current inventory, explain what’s included in each listing and coordinate the next steps, from a viewing to a survey to closing.
Every buyer’s situation is a little different, so the fastest way to get a realistic number for your own small yacht purchase is to talk it through with a broker. Reach out to our team to start narrowing down what fits your budget and how you plan to use the boat.
