You can enjoy life on the water for a lot less cash than you might think. You don’t need to spend eight (or nine!) figures on a yacht.

Consider a floating home, most of which are a little bigger than tiny homes and allow you the convenience of catching dinner right off your front porch.

Amazingly, there are such bargains to be found, even in some higher-priced cities.

We’ve found five floating homes priced at or below $500,000—they’re in areas such as Portland, OR; Fort Lauderdale, FL; and the San Francisco Bay Area. Let’s dive in!

535 NE Bridgeton Rd Slip 1, Portland, OR

Price: $299,000
Rollin’ on the river: We don’t have time to list all of the extras that come with this colorful floater docked in the Columbia River.

First off, you get a one-bedroom floating home as well as the boathouse next to it. That boathouse has a spacious boat well for your get-around vessel, a sleeping loft, and a full bath.

The vessel itself is full of character. Interior walls are canted (slanted in), and the roof is vaulted with skylights. French doors open to a wooden deck, and the kitchen was recently renovated with slab granite countertops, a peninsula, and full-sized stainless appliances.

Although this floating home was built in 1971, almost everything in it is new, including the air-conditioning unit and most of the furnishings, which are included in the sale.

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1900 Stenmark Dock Dr # 4, Richmond, CA

Price: $500,000
Three-story luxury: Ideal as a full-time home, a weekend getaway, or a studio/office, this three-story, one-bedroom, two-bathroom floating home has 1,580 square feet of living space. There’s also a garden on the wraparound deck, plus an al fresco dining area up top.

The open floor plan includes a living room, dining area, and galley kitchen. The third level has a spacious multipurpose room with wood paneling and a vaulted ceiling.

It’s docked in Point San Pablo Harbor in the San Francisco Bay, which is part of a vibrant artist community. Built in 1971, the home has been fully renovated.

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Commodore Marina Unit B, Mill Valley, CA

Price: $500,000
Floating condo: This is one of three units that comprise a single floating home, which was built in 1966. The home has been renovated. Each unit features water views, and all three share rooftop solar panels.

Sonos speakers are built into the walls and ceilings of the living area of this one-bedroom, 542-square-foot unit. Soundproofing elements include poured concrete subfloors and triple-insulated walls.

This unit comes with a washer/dryer, a kitchen with stainless appliances, a built-in platform bed, and a bathroom with heated flooring. It comes with a climate-controlled storage space.

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8 Isle of Venice Dr, Fort Lauderdale, FL

Price: $229,900
Floats anywhere: The spiffy floating homes in these listing photos are model units. The sellers are “seeking motivated homeowners with unique dock and yard space.”

This means one of these custom-built homes can be delivered to your body of water. They feature low-maintenance aluminum construction, which holds up to inclement weather. Right now, they’re situated on the water in the Hendricks and Venice Isles area.

These units have one bedroom with a deck and a spacious rooftop for open-air living, dining, relaxing, and entertaining. Other highlights include butcher-block countertops in the kitchen and bathrooms with unique showerheads and wall treatments.

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1837 N Jantzen Ave, Portland, OR

Price: $345,000
Precious in Portland: Clad in cedar shingles, this one-bedroom, 740-square-foot floating home allows you to own your own slip as part of the deal.

Built in 1940, it’s been updated with a new roof, stainless appliances, and composite decking with a platform for your kayak.

The floating home comes with an adjacent shingled shack. It could work as office space, a studio, a yoga room, or storage.

It’s located on the Columbia River’s Hayden Island, in the Jantzen Beach Moorage, which features gated parking, on-site management, and a full-time maintenance staff.

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