Cost to own a deck boat in New York
Example: the Starcraft 190 Dc Ob, 18' 11", at its published builder price of $57,042 (starcraftmarine.com). It is the middle-priced of 28 deck boat models with a published price ($27,024 – $98,932).
| Cost | Amount | Basis |
|---|---|---|
| Sales/use tax (once) | $2,282 | 4% state + local (and 0.375% MCTD) -- sales tax due at registration (state + local; rate varies). Cap: Taxable price capped at $230,000 per vessel (incl. outboard and trailer sold with it); excess exempt (since 2015-06-01). Local tax may be added. |
| Title (once) | $50 | State title fee. |
| Registration (per year) | $15 | $45 every 3 yr (length tier 16-26 ft). |
| Maintenance (per year) | $5,704 | 10% of boat value, a rule of thumb from discoverboating.com; not a measured average. |
| Property tax | — | No property tax on boats in our data — not included in these totals. |
| At purchase (tax + title) | $2,332 | plus the boat price |
| Per year, sourced lines | $5,719 | about $477/month; partial |
Costs you add yourself
We have no official per-state figure for these, so they are not in the totals above.
- Storage: outdoor storage runs about $600 – $3,600 a year nationally (discoverboating.com, $/month × 12). Keeping it on a trailer at home can be $0.
- Insurance: no public premium data; get a quote. Insurance matcher
- Fuel: the Starcraft 190 Dc Ob holds 45 gal. No official or public marina-fuel dataset found. EIA on-road retail gasoline/diesel by region is a proxy only.
- Loan: these numbers assume cash. Add your rate and term in the calculator.
Run the full calculator for this boat
More: New York boating rules · all deck boat models
Sources
- Registering agency: New York DMV (registration/title); Office of Parks, Recreation and Historic Preservation (education)
- dmv.ny.gov
- dmv.ny.gov
- parks.ny.gov
- tax.ny.gov
- tax.ny.gov
- Boat price and length: starcraftmarine.com
State rules checked 2026-11-05. Fees change; confirm with the agency. Calculated with the same engine as the true cost tool.