A Complete Guide to On-Premises RV Costs Across the United States

More individuals are drawn to owning or renting RVs as a convenient, budget-friendly way to enjoy mobile living or vacation experiences. In the U.S., on-site RVs—also called mobile homes or park models—are increasingly favored for both permanent residence and leisure. Prospective buyers often ask: what are the costs involved in owning or renting an on-site RV, and how can they make smart financial choices?

This article outlines key factors impacting the price of on-site RVs in the U.S., including initial investment, upkeep, and additional expenses.

By the end, you'll understand the financial commitments associated with owning or leasing an RV on-site.

What Defines an On-Premises RV?

On-premises RVs are mobile units parked at fixed locations within campgrounds or RV communities. Unlike travel models designed for traveling, these are stationary residences connected to utilities such as water, power, and waste systems. They range from compact trailers to high-end park models, catering to both comfort and affordability.

Initial Investment for On-Premises RVs in the U.S.

The purchase price varies based on several criteria. The main considerations include:

1. Type of RV

Affordable options include:

Travel Trailers: Towed units used as stationary homes when parked, costing between $10,000 and $40,000 depending on size and features.

Park Models: Larger, permanently placed units resembling small houses, costing from $30,000 to over $100,000.

Fifth-Wheel Trailers: Towed by trucks, these cost roughly $20,000 to $70,000 depending on customizations.

Miniature Homes on Wheels: Trendy, stylish options with prices ranging from $50,000 to $150,000 or higher based on upgrades.

2. Brand & Customization

Premium brands and tailored designs increase costs. A luxe, fully finished park model may surpass $100,000, while basic models are more affordable.

3. Delivery and Setup

Additional costs for transporting and installing the RV typically range from $500 to $5,000, influenced by distance and complexity of setup.

Ongoing Expenses for On-Site RVs

After purchase, recurring costs include:

1. Lot Rent

Most RVs are parked in designated communities with monthly lease fees, generally between $300 and $2,000 and vary by location, size, and amenities. Coastal and tourist areas often incur higher rents.

2. Utilities & Maintenance

Utility bills, covering water, electricity, and sewer, can add up to $100-$500 monthly. Preventative maintenance such as HVAC, plumbing, and electrical repairs should budget around $500-$1,000 annually.

3. Insurance

Protecting your RV typically costs $200-$1,000 annually, depending on coverage and value.

4. Property Taxes

Some jurisdictions levy taxes on mobile homes, averaging $100 to $2,000 yearly based on value and location.

5. Depreciation

RVs tend to lose 10-20% of value each year, influenced by age, condition, and market demand.

Factors That Affect RV Costs in the U.S.

External elements impacting expenses include:

Location: High-demand areas like beaches or national parks have elevated costs; rural zones tend to be cheaper.

Size & Features: Larger, more equipped models cost more upfront and in maintenance.

Seasonality: Prices fluctuate with peak seasons; discounts may be available during off-peak times.

Cost Comparison of Different RV Types

Here's a quick overview of typical costs:

On-site RV living offers an economical alternative to traditional homes in the U.S. Whether for vacation or residence, understanding initial and ongoing expenses helps you plan effectively. Thorough research ensures your investment aligns with your lifestyle and budget.