The Real Price of Owning a Used RV: Costs You Should Expect

Owning an RV offers freedom, flexibility, and the opportunity to explore the open road on your terms. For many travelers, purchasing a used RV is the most practical path to that lifestyle, as it significantly lowers the initial RV cost. Pre-owned RVs provide access to comfort, adventure, and long-distance travel without the steep depreciation that comes with buying new. However, the real cost of RV ownership goes beyond that initial purchase price.

Understanding what it truly takes to maintain and operate an RV helps buyers make confident, well-informed decisions. Whether you’re considering a compact camper van or a full-sized motorhome, every used RV comes with ongoing expenses that influence its total cost of ownership. These include insurance, fuel, maintenance, storage, and depreciation, all of which are part of answering the question: How much does an RV cost?

In this guide, we’ll explore the essential costs that come with owning an RV, focusing on what new buyers often overlook. Our goal is to help future owners plan accurately, choose an affordable used RV that fits their needs, and avoid unpleasant financial surprises after purchase. With the right expectations and budgeting, owning a used RV can remain both enjoyable and financially sustainable.

Upfront Costs & One-Time Expenses

When buying a used RV, the purchase price is only the beginning of the financial journey. The initial investment varies widely depending on the RV’s class, age, mileage, and condition. Class A motorhomes, for example, often cost between $60,000 and $150,000 used, while smaller travel trailers or fifth wheels can range from $15,000 to $50,000. Buyers who research comparable listings and inspect each RV carefully tend to make the most informed decisions.

Beyond the purchase price, there are several one-time expenses that new owners must factor into their budget. Taxes, title transfers, and registration fees differ by state but typically add a few hundred dollars to the total cost. Those purchasing through a dealership may also encounter documentation fees and optional service packages, which can be worthwhile for peace of mind.

Some used RVs may require immediate repairs or upgrades before hitting the road, further increasing the overall RV cost. Replacing tires, sealing the roof, or servicing the generator are common examples. Cosmetic improvements like new flooring or upholstery can also add up quickly. Buyers planning to tow should consider the cost of hitch equipment or tow vehicle modifications.

Taking the time to calculate these one-time costs helps ensure that a used RV remains truly affordable after the purchase is complete.

Depreciation: How Value Declines Over Time

Depreciation is one of the most significant, but often overlooked, factors in determining the true cost of RV ownership. Every vehicle loses value over time, and RVs are no exception. The good news is that when purchasing an RV, much of the steep initial depreciation has already occurred. New RVs can lose as much as 20 to 30 percent of their value in the first year alone, while used RVs tend to depreciate more gradually.

On average, a well-maintained RV loses between 5 and 10 percent of its value each year after the initial drop. Factors that affect depreciation include the RV’s class, mileage, brand reputation, maintenance history, and market demand. Class A and Class C motorhomes generally depreciate faster than travel trailers or fifth wheels, but condition and upkeep play a major role. Buyers who keep detailed maintenance records and store their RVs properly often see stronger resale value later.

The current market has shown that desirable floor plans, reliable brands, and fuel-efficient models retain value better than others. Regular cleaning, timely repairs, and seasonal care can help slow depreciation further. By maintaining a used RV properly, owners not only enjoy more years of reliable use but also protect its resale value should they decide to upgrade in the future.

Insurance, Licensing, & Registration Fees

Insurance, licensing, and registration are essential ongoing costs that every RV owner must include in their budget, especially when considering the full answer to the question: How much does an RV cost? Insurance rates for RVs vary depending on the vehicle’s age, value, and class, along with the owner’s driving record, location, and how frequently the RV is used. On average, annual insurance for a pre-owned RV ranges from $800 to $1,500 for Class C motorhomes and $1,200 to $2,500 for Class A models. Smaller travel trailers and pop-up campers tend to cost less to insure because they are towed rather than driven.

Coverage options typically include liability, collision, and comprehensive protection, but many owners also opt for roadside assistance, personal property coverage, and full-timer’s insurance if they live in their RV full-time. It’s important to review coverage limits carefully and compare providers to ensure the policy aligns with your travel habits and the RV’s value.

Licensing and registration fees differ by state, often ranging from $100 to $500 annually. Some states calculate fees based on vehicle weight or market value, while others charge a flat rate. Buyers should also anticipate sales tax during the initial purchase, which can significantly affect total cost.

Factoring in these recurring expenses early ensures that an RV remains within budget long after the initial purchase, helping owners plan realistically for long-term ownership.

Fuel & Travel-Related Costs

Fuel and travel expenses make up a significant portion of the ongoing costs of RV ownership. Unlike smaller vehicles, RVs consume more fuel due to their size and weight. Fuel economy varies widely depending on the RV’s class, engine type, and towing setup.

Here’s what you can typically expect for average fuel efficiency:

• Class A motorhome: 6 to 10 MPG
• Class C motorhome: 10 to 14 MPG
• Class B camper van: 14 to 18 MPG
• Tow vehicle with trailer: 8 to 12 MPG

Fuel prices fluctuate throughout the year and across regions, which directly impacts overall travel costs. Long distance trips add up quickly, especially when factoring in route planning and multiple fill-ups. If you travel around 10,000 miles per year, fuel alone can cost $3,000 to $6,000, depending on gas prices and driving habits. Slower speeds, proper tire pressure, and consistent maintenance can all help stretch your fuel budget further.

But fuel is just part of the picture. Travel-related expenses add up quickly, too:

• Campground or RV park fees: $30 to $100 per night (monthly rates are often much cheaper)
• Propane and utilities: $30 to $100 per month
• Dump station fees: $10 to $25 per use
• Tolls, parking, and wear and tear on brakes, tires, and suspension

How much you spend will depend on your travel style. Full-timers who stay long-term at one site often save more than those who move every few days. Planning routes ahead, taking advantage of monthly campground rates, and using fuel-tracking apps can make a noticeable difference in your yearly travel costs.

Maintenance & Routine Upkeep

Maintenance is one of the most important, and most underestimated, aspects of RV ownership. Even a well-loved, gently used RV needs regular attention. For owners of a used RV, staying on top of maintenance isn’t just about keeping things running smoothly; it’s also about preventing small issues from turning into expensive repairs later.

On average, expect to spend $1,000 to $2,000 per year on general upkeep, with occasional major repairs along the way. Here’s a breakdown of what that might look like:

Routine maintenance typically includes:

• Oil and filter changes
• Brake checks and adjustments
• Tire rotation or replacement ($1,200 to $2,000 for a full set)
• Roof and seal inspections
• Plumbing and electrical system checks

Depending on the RV’s age and usage, annual maintenance costs usually range from $1,000 to $3,000. This estimate includes both preventive care and small repairs that arise during travel. Older RVs may require more frequent attention, particularly to roofs, seals, and appliances.

Beyond scheduled maintenance, owners should prepare for occasional repairs. Replacing a refrigerator or air conditioner can cost several thousand dollars, while smaller fixes like battery replacements or water pump repairs are less expensive but still add up. 

Common repair costs:

• Air conditioner: $700 to $1,200
• Refrigerator: $1,000 to $2,500
• Water heater: $500 to $1,000
• Slide-out system: $500 to $1,500

Creating a maintenance schedule and keeping detailed records help prevent problems before they escalate. The more proactive you are, the fewer trip-ending surprises you’ll face on the road.

Storage, Parking, & Off-Season Costs

Not everyone can park their RV at home, and storage can quickly become one of the most underestimated expenses of ownership. Costs vary depending on the type of storage, location, and season. 

Here’s a quick look at typical monthly storage rates:

• Outdoor storage: $50 to $150 per month
• Indoor or climate-controlled storage: $200 to $500 per month

Owners who choose to protect their used RV indoors often find it helps maintain exterior condition and resale value over time.

If you store your RV during the off-season, budgeting  for preparation costs is critical. 

• Winterizing the plumbing system: $100 to $300
• Battery maintenance or trickle chargers
• Insurance coverage while in storage
• Covering the tires and roof

Full-timers or long-term park residents face a different kind of expense, monthly site fees. Campground or RV park fees can add up if the vehicle remains parked for extended periods., These can range from $500 to $1,200 per month.

Planning ahead for where (and how) you’ll store your RV can save you money and protect your investment during months it’s not in use.

Hidden & Miscellaneous Costs

Even the most experienced RVers know that life on the road comes with surprises. Sometimes those surprises come with a price tag. These hidden expenses often emerge after purchase, especially for those new to RV ownership. Understanding them in advance helps prevent financial surprises and ensures a smoother experience with a used RV.

One of the most common hidden costs comes from water damage. Water leaks or roof damage, if left untreated, can easily run between $2,000 and $10,000. Regular inspections and roof resealing reduce this risk, but owners should still budget for occasional patchwork or replacements. Appliance failures are another unpredictable expense.  Inverters, slide-outs, or leveling jacks, can cost several hundred dollars each to repair.

Connectivity is another ongoing cost for many travelers. Reliable internet and mobile service for full-timers can add $100 to $200 per month, especially if you rely on hotspots or satellite internet. Subscription-based services for navigation or entertainment can further increase monthly expenses.

Then there are the fun extras: décor updates, new awnings, upgraded mattresses, or solar installations, all of which can quickly add up if you’re not tracking expenses closely.

And finally, there’s the opportunity cost. The money tied up in your RV could otherwise be earning interest or invested elsewhere. It’s worth factoring that in when calculating your total cost of ownership.

Total Cost of Ownership Examples

When evaluating a used RV purchase, factoring in total cost of ownership is key. Below we provide two illustrative examples, with full breakdowns, so you can see how expenses stack up for different types of RVs. These examples help showcase how choosing a used RV versus a brand-new unit can impact long-term cost, while also highlighting how an affordable used RV can be a smart lifestyle investment if you budget realistically.

Example A – 5-year-old Class C Motorhome (Estimated Purchase: $50,000)

Assumptions

• Purchase price: $50,000 for a 5-year-old Class C motorhome
• Ownership period: 5 years
• Usage: ~6,000 miles per year
• Depreciation: ~37% over 5 years (based on sources for 5-year‐old Class C) (1)
• Insurance: ~$1,000/year average for this class (2)
• Maintenance & repairs: ~$1,500/year (mid-range estimate) (3)
• Fuel & travel-related: Assume 10 mpg average, 6,000 miles/year at $4.00/gal → ~$2,400/year
• Storage, parking & off-season: ~$600/year (for outdoor or low-cost storage) (4)
• Miscellaneous/upgrades: ~$500/year

Cost breakdown

• Depreciation over 5 years: $50,000 × 37% = $18,500 → ~$3,700/year
• Insurance: ~$1,000/year
• Maintenance: ~$1,500/year
• Fuel: ~$2,400/year
• Storage/parking: ~$600/year
• Miscellaneous: ~$500/year
  
  Total annual cost estimate: ~$9,700
  
  Cost per mile: ~$9,700 / 6,000 ≈ $1.62 per mile
  
  Cost per day (assuming 40 usage days/year): ~$9,700 / 40 ≈ $243 per day
  
  

Example B – 7-year-old Travel Trailer (Purchase: $30,000) Towed by Owner’s Truck

Assumptions

• Purchase price: $30,000 for a 7-year-old travel trailer
• Ownership period: 5 years (years 7-12 of the trailer)
• Usage: ~3,000 miles/year (towed)
• Depreciation: ~35% over 5 years for trailer/fifth wheel (5)
• Insurance: ~$300/year (towable trailers cost less) (2)
• Maintenance & repairs: ~$1,000/year (lower complexity) (3)
• Fuel for tow vehicle: Assuming 15 mpg average in tow vehicle, 3,000 miles/year at $3.50/gal → ~$700/year
• Storage: ~$500/year
• Miscellaneous/upgrades: ~$300/year

Cost breakdown

• Depreciation over 5 years: $30,000 × 35% = $10,500 → ~$2,100/year
• Insurance: ~$300/year
• Maintenance: ~$1,000/year
• Fuel: ~$700/year
• Storage: ~$500/year
• Miscellaneous: ~$300/year
  
  Total annual cost estimate: ~$4,900
  
  Cost per mile: ~$4,900 / 3,000 ≈ $1.63 per mile
  
  Cost per day (assuming 30 usage days/year): ~$4,900 / 30 ≈ $163 per day
  
  

Seeing the numbers laid out like this helps clarify what many first-time owners overlook: the real cost of owning an RV stretches far beyond the purchase price.

Tips to Reduce & Manage Costs

Smart RV ownership isn’t about cutting corners; it’s about staying intentional. Here are a few proven ways to keep your costs in check:

1. Buy Quality & Inspect Thoroughly: Choose RVs with solid maintenance records and strong resale value. A pre-purchase inspection will uncover hidden issues before they become expensive problems.
2. Budget for the Unexpected: Even with planning, repairs and upgrades will arise. Setting aside a small reserve monthly helps absorb surprise costs without stress.
3. Prioritize Preventive Maintenance: Routine maintenance is far less expensive than major repairs. Perform regular maintenance and keep detailed records to maintain value.
4. Shop Around for Insurance: Insurance rates vary widely between providers. Comparing quotes annually and bundling RV insurance with auto or home coverage can yield meaningful savings.
5. Store Strategically: If home storage isn’t possible, look for community or shared facilities to reduce monthly fees.
6. Travel Smarter: Plan shorter trips and stay longer at each destination to reduce fuel and campground costs. Using membership programs or annual passes can cut nightly rates substantially.
7. Upgrade Wisely: Invest in efficiency upgrades like solar panels or LED lighting to reduce long-term utility costs.

With a little strategy and foresight, you can save thousands every year without sacrificing the adventures that make RV life worth it.

Conclusion

Owning a used RV can be one of the most rewarding ways to explore the open road, but it’s also a long-term financial commitment. Between depreciation, insurance, maintenance, and travel costs, the total RV cost of ownership often surprises even seasoned travelers.

Purchasing a used RV for sale often provides the ideal balance between affordability and quality. Pre-owned RVs typically experience slower depreciation, lower purchase prices, and manageable upkeep costs compared to new models. The key to success is preparation. Plan ahead, inspect carefully, and build an honest budget (with an emergency buffer). Make sure you have a game plan for your worst-case scenario, and check that those who are selling and performing repairs on your RV are both reachable and trustworthy. Luckily, Campers Inn has options nationwide for those looking to buy, sell, or maintain used RVs. Reach out to one of our dealerships to and ask about our experience with used RVs near you, and we're certain we'll be more than prepared to help. When you know what to expect, you can enjoy the journey with confidence and focus on what truly matters: the freedom, connection, and adventure that come with life on the road.