Living in a Camper Full Time: Pros, Cons & Financing Advice

Life on the Move: Why RV Living Appeals to So Many

Picture waking up with a mountain view one week and a beach sunset the next. For thousands of Americans, full-time RV living isn’t just a getaway—it's a lifestyle choice rooted in freedom, flexibility, and a desire to live more intentionally.

While the benefits are exciting, transitioning to RV living requires thoughtful planning, financial awareness, and a realistic look at the day-to-day.

What Does It Mean to Live in an RV Full Time?

Full-time RV living means your recreational vehicle becomes your only home. Instead of a house or apartment, your RV is where you sleep, cook, work, and live whether parked at a national park or boondocking off-grid.

Some RVers travel constantly, while others stay for weeks or months in one spot. Most maintain a legal “domicile” in a tax-friendly state using a mail forwarding service for things like registration, taxes, and healthcare.

Flexibility is at the heart of the lifestyle, but so are logistics you’ll need to manage.

Pros of Full-Time RV Living

• Ultimate flexibility – Travel wherever and whenever you choose.
• Lower housing costs – Eliminate rent or a mortgage and reduce monthly bills.
• Simplified lifestyle – Less space helps cut clutter and reduce stress.
• Daily adventure – See new places and meet new people across the country.
• Welcoming community – RVers often support each other on the road and online.

What to Expect: Challenges of RV Life

• Tight living quarters – Less room requires better organization and patience.
• Maintenance never stops – You'll manage both home and vehicle systems.
• No permanent address – You’ll need a legal domicile and mail solution.
• Weather can be extreme – Heat, cold, and storms take extra planning.
• Internet is inconsistent – You'll need mobile setups for work or streaming.

Is It Cheaper to Live in an RV Full Time?

It can be—especially if you travel slowly, avoid pricey parks, and track your spending. While you won't have a mortgage or rent, RV living brings its own expenses.

Monthly Costs of Full-Time RV Living

• Campground fees – Free (boondocking) to $1,200+ at upscale RV parks
• Fuel – $200–$800+ depending on your travel pace and RV type
• Insurance – $75–$200/month for full-time RV policies
• Maintenance and repairs – Plan $100–$300/month to stay ahead of issues
• Internet and data – $100–$200/month for reliable mobile access
• Utilities – $50–$150 for propane, laundry, and dumping stations
• Food and daily expenses – Often $400–$800/month, similar to home living

What Does an RV Cost—and How Do You Finance One?

RVs range in price based on type, size, and features:

• Class A Motorhomes – Large and luxurious, $80,000 to $300,000+
• Class C Motorhomes – Mid-size, $50,000 to $150,000
• Class B Vans – Compact, efficient, $60,000 to $180,000
• Fifth Wheels & Travel Trailers – Towed units, $20,000 to $100,000+

Many buyers choose to finance, especially when using the RV as a full-time home. At My Financing USA, we specialize in full-time RV loans, working with a wide range of credit types to help you find competitive terms and a smooth approval process.

Learn more about RV loan options

Choosing the Right RV for Full-Time Living

The best RV for you depends on your lifestyle and comfort needs. Consider:

• Layout and space – Will it feel livable long term?
• Storage – Enough room for essentials?
• Towable or drivable – Are you comfortable towing or driving a large vehicle?
• Fuel economy – Important if you’ll be on the move often
• Build quality – Look for long-term durability

Fifth wheels and Class C motorhomes are common choices among full-timers for their space, comfort, and convenience.

How Long Can an RV Last with Full-Time Use?

A well-maintained RV can last 15–20 years or more. The keys to longevity:

• Routine maintenance – Stick to a schedule for systems, tires, and inspections
• Build quality – Higher-end RVs often last longer
• Careful use – Avoid rough roads and harsh weather where possible
• Upgrades over time – Appliances, flooring, and fixtures can be replaced

Treat your RV like a home and it will serve you well for years to come.

Is Full-Time RV Living Right for You?

This lifestyle works best for people who:

• Value travel and change
• Are okay with less space and fewer possessions
• Can manage budgets and repairs
• Embrace a flexible, problem-solving mindset

If you enjoy new experiences, self-sufficiency, and simplicity, RV living could be a perfect fit. Start with short trips or seasonal living to ease into it before going all in.

First Steps Toward Full-Time RV Life

• Do your research – Blogs, YouTube, and forums offer first-hand insight
• Create a budget – Account for purchase, setup, and monthly costs
• Downsize your belongings – Bring only what you truly need
• Establish a domicile – Choose a state and set up mail forwarding
• Choose and finance your RV – Work with an experienced lender who understands full-time needs

Ready to Hit the Road?

If you're ready to turn your dream of full-time RV living into a reality, My Financing USA is here to help. With decades of experience and flexible RV loan options, we make financing easy—no matter your credit score or RV lifestyle goals.

Apply now and start your full-time adventure today.