Can Cruising Around the World Actually Save You Money?
If you’ve ever dreamed of living on a cruise ship and watching the world pass by from your balcony, you’re not alone. More travelers than ever are exploring the possibility of long-term cruising—especially around-the-world itineraries—as an alternative to traditional urban living. But is a world cruise actually affordable when compared to the cost of living in a major city like New York, London, or San Francisco?
Let’s break it down with real numbers, unexpected value adds, and things to consider before you ditch your lease and book that cabin.
What Is an Around the World Cruise?
A world cruise is typically a 90- to 180-day itinerary aboard a premium or luxury cruise ship, stopping in dozens of cruise ports across continents. Some start in the U.S., others in Europe or Asia. Most of these trips are offered by lines like Princess, Holland America, Cunard, Oceania, and Viking.
While a cruise vacation of this scale sounds extravagant, the idea of swapping apartment rent for ocean views is starting to seem surprisingly practical—especially for retirees, digital nomads, or those ready for a lifestyle shift.
Cost Comparison: Cruise vs. City Life
Let’s compare basic monthly living costs for a single person in a major city vs. on an around-the-world cruise.
| Expense | Major City (NYC) | World Cruise (Mid-Range) |
|---|---|---|
| Rent | $2,500 | Included in fare |
| Utilities | $250 | Included |
| Food & Groceries | $800 | Included (all meals) |
| Transportation | $130 (subway pass) | Included (local shuttles/tours) |
| Entertainment | $300 | Included (shows, events) |
| Gym/Fitness | $100 | Included (onboard fitness) |
| Health Insurance | $400–600 | Often included via cruise coverage or optional |
| Total Monthly | $4,480+ | $3,000–$3,500 (avg) |
Note: Cruise costs vary based on cabin category, itinerary, cruise line, and how far in advance you book. Average used here reflects an interior to balcony cabin on a mid-tier cruise line.
The Hidden Value of World Cruising
What makes an extended cruise even more appealing isn’t just the inclusive pricing—it’s the experience and lifestyle you’re buying. Here’s what you’re really getting for your money:
Included in Many World Cruise Fares:
- All meals, including specialty dining
- Nightly entertainment and lectures
- Onboard Wi-Fi (varies by cruise line)
- Laundry services
- Daily housekeeping
- Access to doctors and medical staff
- Shore excursion credits or fully guided tours
- Travel to dozens of countries and cruise ports
When you factor in the elimination of chores, commuting, grocery shopping, and utility bills, the value becomes clear.
Best Cruise Lines for Around-the-World Voyages
Not all cruise lines are created equal when it comes to pricing, perks, and the onboard experience for a global itinerary. Here’s a quick look at a few of the most popular:
1. Holland America
- Cruise Length: 124+ days
- Average Price: $22,000–$60,000+
- Highlights: Culturally immersive, mid-sized ships, friendly atmosphere
- Who It’s For: Travelers who want value and destination depth
2. Princess Cruises
- Cruise Length: 111–120+ days
- Average Price: $20,000–$55,000
- Highlights: Broad appeal, great service, excellent entertainment
- Who It’s For: First-time long cruisers or couples
3. Viking Ocean Cruises
- Cruise Length: 130–180+ days
- Average Price: $50,000+
- Highlights: No kids, no casinos, included excursions
- Who It’s For: Retirees and luxury cruisers
4. Oceania Cruises
- Cruise Length: 180 days
- Average Price: $40,000–$80,000
- Highlights: Culinary focus, small ships, inclusive pricing
- Who It’s For: Foodies and seasoned travelers
What You May Still Have to Pay For
While world cruises are largely all-inclusive, there are a few extras that could tip your budget:
- Premium shore tours beyond the included options
- Specialty dining fees (on some lines)
- Gratuities (can be $15–$20/day depending on cruise line)
- Alcohol and beverages (unless included in package)
- Travel insurance
- Visas for certain countries
- Flights to/from embarkation port
Still, even factoring these in, the monthly costs often come out below city living in places like San Francisco, Sydney, or Tokyo.
Who Should Consider Living at Sea?
While the idea sounds dreamy, it’s not for everyone. Here’s who benefits most:
Ideal for:
- Retirees looking for adventure without daily logistics
- Remote workers or digital nomads (check Wi-Fi access)
- Solo travelers seeking community
- Couples looking for extended travel without the hassle of planning every step
Less ideal for:
- Families with young children
- Pet owners (most ships don’t allow animals)
- Those with severe mobility restrictions
- Anyone who needs routine, on-land medical treatments
Tips to Maximize Savings and Comfort
If you’re seriously considering replacing your apartment lease with a cruise booking, here’s how to make it more affordable:
- Book early. World cruises often sell out 1–2 years in advance, and early bookings come with the best perks and prices.
- Look for repositioning cruises. These are longer sailings between regions and cost less per day.
- Ask about loyalty programs. Frequent cruisers may receive discounts, upgrades, or priority access.
- Consider inside cabins. If you’re out exploring most of the time, you may not need a balcony.
- Bundle insurance. Cruise lines often offer competitive health coverage for the duration of the trip.
- Downsize your home life. If you’re ready to commit, subleasing your apartment or selling your home could fund your floating lifestyle.
Final Verdict: Cruise Ship Living vs City Life
Living aboard a cruise ship for several months might sound like a fantasy—but financially, it’s more realistic than you think. With world cruise fares starting as low as $150–$200 per day (including meals, lodging, and entertainment), it can actually rival, or beat, the cost of living in many urban areas.
And when you factor in the shore excursions, international travel, and near-total elimination of daily responsibilities, the value of a cruise vacation lifestyle becomes even clearer.
So, is an around-the-world cruise affordable compared to living in a major city? For many, the answer might just be: surprisingly, yes.
Considering making the sea your home? Browse our in-depth reviews of around-the-world cruise itineraries, best cabins for long-term stays, and what to pack for life aboard a cruise ship.