The figure of 10% of the purchase price per year for the average amount of the ownership cost of a used cruiser is actually quite accurate over time. We have had our boat 14 years and the average ownership cost is right at that figure. Some years have been a lot more and some a lot less. But as a rough rule of thumb for calculating the annual ownership cost over time of an average used cruiser it has proven quite accurate which is why a lot of people, including brokers, use it.
That's to simply own and operate the boat. I have no idea how much average liveaboard costs might be. I imagine they are similar in terms of food, clothes, entertainment, etc. costs the person would have on land.
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