Pontoon boats have become increasingly popular in recent years as a versatile option for family boating adventures. With their spacious design and ability to be customized, pontoon boats can be a great choice for fishing, cruising, entertaining, and watersports. However, with so many options and features available, many prospective buyers wonder - how much does a pontoon boat cost? In this comprehensive guide, we'll break down the various factors that impact the cost of a new or used pontoon boat.

What is a Pontoon Boat?

First, let's start with a quick overview of what exactly a pontoon boat is. A pontoon boat gets its name from the two or three aluminum tubes or “pontoons” that keep it afloat. These pontoons are attached to a flat deck area on top where seating, consoles, and other accessories can be added. Pontoons first became popular in the 1950s and 60s as a minimalist floating platform for lounging and fishing. Today's pontoon boats have evolved to become versatile recreational boats that can be customized for a variety of activities.

Pontoon boats are known for their spaciousness, stability, and shallow draft that allows access to areas regular hulled boats can’t go. They typically range from 16 to 28 feet long and 6 to 10 feet wide. Brand new, loaded pontoon boats these days can rival the amenities of fancy fiberglass bowriders and cruisers. However, there is still a wide range of styles and prices for various needs and budgets. The cost of a new or used pontoon will depend on factors like:

  • Size/length
  • Engine size
  • Features and accessories
  • Brand or custom build
  • New vs used
  • Trailer or no trailer

Keep reading as we explore these factors in detail and provide typical price ranges for different pontoon setups.

Pontoon Boat Sizes and Styles

One of the first considerations when looking at pontoon boats is the size you need. As mentioned, they usually range from 16 feet up to 28 feet or more. The most common sizes are 20-24 feet, which can usually seat 8-12 people comfortably. Here is an overview of typical pontoon boat sizes and capacities:

  • 16 to 18 feet - Seats 5 to 7 people. Well-suited for small families and inland waters.
  • 20 feet - Seats up to 10 people. A popular mid-range size for general recreation.
  • 22 to 24 feet - Seats 10 to 12 people. Provides more space for entertaining and watersports.
  • 26 to 28+ feet - Seats 12 to 16+ people. Extra-large pontoons that offer a luxurious boating experience.

In addition to the length, you can choose between two or three tube pontoon configurations. Triple tube pontoons add more flotation for heavier loads and create more deck space. However, they also add to the overall cost.

Two main styles of pontoons include:

  • Cruiser - More luxurious models with plush seating, upgrades like flooring and lighting, and amenities like wet bars and sound systems. Better for entertaining.
  • Fishing - Sparsely equipped models focused on fishing features. May have basic furniture, lots of storage, and added fishing perks like livewells.
  • Performance - Designed for activities like wakeboarding and water skiing with performance features like lifted nose cones, performance tubes, and increased horsepower.

Consider how you plan to use the boat and how much space you'll need when choosing the overall size and style. The size has a direct impact on price - larger and more tricked-out pontoons will cost significantly more.

Pontoon Boat Cost by Length

Here are some average price ranges for new pontoon boats by size:

  • 16 to 18 foot pontoon - $12,000 to $20,000
  • 20 foot pontoon - $15,000 to $25,000
  • 22 foot pontoon - $20,000 to $40,000
  • 24 foot pontoon - $25,000 to $50,000
  • 26+ foot luxury pontoon - $50,000 to $100,000+

Note that entry-level models start lower (around $15k for a basic 20 foot pontoon), while loaded models with the biggest engines and all the bells & whistles can reach up to 2X the average prices listed above. Bigger and better-equipped boats get exponentially more expensive.

Factors that add to the cost for larger sizes include the need for a larger engine to power bigger pontoons, higher material costs, and more accessories that come standard. More customizations and upgrades will also raise the price significantly.

Pontoon Boat Engine Size and Type

The engine is one of the most important factors affecting performance and the price tag. For pontoons, there are two main options - outboard motors or inboard/outboard (I/O) motors.

Outboards: Most pontoon boats are outfitted with outboard motors hanging off the back. Common pontoon outboard sizes are 40 HP, 60 HP, 90 HP, 115 HP, and 150 HP or more. More horsepower enables faster planing and higher top speeds, but comes at a cost. Approximately, expect to pay:

  • 40 to 60 HP - $5,000 to $10,000
  • 90 to 115 HP - $10,000 to $15,000
  • 150+ HP - $15,000+

Inboard/Outboards: Some higher-end pontoon models may have an inboard motor positioned under the deck paired with an outdrive unit. This allows for more power and speed, but also higher cost and maintenance. I/O pontoons usually start around $30,000.

Fuel efficiency - Most pontoon boats have outboard motors since they tend to be more fuel efficient at cruising speeds. Make sure to factor in gas costs for your planned usage.

Trolling motors - Many fishing focused pontoons will also have a trolling motor mounted at the bow for quiet electric propulsion and precision maneuvering when fishing. Expect to pay $800 to $2000+ for most trolling motors suitable for pontoon boats.

So in summary, a 40 HP outboard can sufficiently power smaller 18-22 foot pontoons for general recreation, while larger 24+ foot pontoons will benefit from 90-150+ HP outboards for water sports or heavy loads. The motor choice can add anywhere from $5,000 up to $20,000+ to the total price.

Pontoon Boat Brands

There are numerous manufacturers that build pontoon boats with prices to fit any budget. Here are some of the most popular brands and their typical price ranges for entry to mid-level models:

  • Lowe - $15,000 to $30,000
  • Manitou - $20,000 to $40,000
  • Avalon - $25,000 to $50,000
  • Premier - $30,000 to $60,000
  • Bennington - $30,000 to $80,000
  • Harris Flotebote - $40,000 to $90,000
  • PlayCraft - $50,000 to $150,000

Keep in mind “base” models from any brand are stripped down. Stepping up to higher tier packages adds more features, performance, and cost. Luxury brands like Harris Flotebote and PlayCraft can produce premium pontoons up to $250,000+. Custom builders also offer one-of-a-kind boats for top dollar.

When evaluating brands, consider factors like reputation, warranty, construction methods, resale value, standard features, dealership support, customization options, and of course…cost. While price doesn't always guarantee quality, established premium brands generally provide a smoother ride, higher-end components, and better support.

New vs Used Pontoon Boats

One of the biggest pricing factors is the choice between new and used pontoon boats. Here is an overview:

New Pontoon Boats

  • PROS: Latest designs, warranties, customization, brand support
  • CONS: Faster depreciation, may need to wait for delivery
  • COST: $15,000 - $250,000+

Used Pontoon Boats

  • PROS: Immediate availability, lower upfront cost
  • CONS: No warranties, unknown histories, older designs
  • COST: $5,000 - $100,000

Average depreciation on pontoon boats is around 10% per year. So a used model can potentially save you thousands compared to new - but you miss out on warranties and the latest features. Carefully examine the condition, engine hours, maintenance records and known issues of any used boat.

While a $20,000 used pontoon may seem tempting, problems left unaddressed by a previous owner can quickly turn a deal into a headache. Weigh the pros and cons and calculate long-term costs before jumping at a cheap used pontoon.

Pontoon Boat Accessories & Options

Once you select the basic boat, it’s time to outfit it to your liking. Many buyers don’t realize all the possibilities available to customize a pontoon. Here are some popular add-ons and their approximate costs:

  • Raised helm with captain’s chairs - $1,500
  • Premium audio system - $1,500
  • Boarding ladder - $500
  • Ski tow bar - $800
  • Built-in coolers - $600
  • Cabin enclosure - $2,000 to $5,000
  • Hardwood flooring - $2,000 to $3,000
  • Portable toilet - $200
  • Integrated sink - $500
  • Kitchenette package with stove, fridge, & BBQ - $3,000
  • Table with mounts - $800
  • Bimini top shade - $1,500
  • Lighting packages - $1,500
  • Performance package: $2,000 to $5,000
    -Wakeboard tower - $2,500
  • Powered lifts for loungers - $2,000 each
  • Custom graphics/wraps - $3,000
  • Bar with stools - $2,000
    …and many more possibilities!

It's easy to keep piling on upgraded features, so decide what's most important to avoid letting costs balloon out of control. Given the extensive possibilities, it’s common for loaded luxury pontoons to exceed $100,000.

Pontoon Boat Trailers

Trailers are often overlooked addons that can cost $3,000 to $5,000. The benefit is being able to easily transport your boat and store it at home. Trailer options include:

  • Aluminum single axle- $3,000 to $4,000
  • Galvanized double axle - $4,000 to $6,000
  • Triple axle for larger boats - $6,000+

You can save money by finding a used trailer, buying from a third party manufacturer, or doing without. Just factor ramp launching and required storage into your budget. While trailers add upfront cost, they provide long-term flexibility and convenience that can be worth the investment.

What’s the Total Price?

With so many variables, it’s impossible to give an exact price range that covers all scenarios. But here are some examples that give a general idea of what to expect:

  • Sample base-model 20 foot pontoon: $18,000
  • Sample loaded 24 foot pontoon: $60,000
  • Sample premium entertainment 26+ footer: $140,000

To recap the major factors:

  • Size, tubes, and layout
  • Engine size and type
  • Brand and included features
  • New vs used and condition
  • Extensive customizations and add-ons

A basic 20 foot pontoon with a 60 HP outboard can start around $20,000. Loaded luxury models 26+ feet long can reach up to $250,000 for the highest end custom builds. And everything in between!

While the cost of owning a pontoon goes beyond just the upfront price, carefully considering your needs and budget will help narrow down the options. Getting quotes from multiple dealerships and manufacturers is also advised to find the best value based on included specifications.

Pontoon Boat Financing

Very few pontoon buyers can afford the full cost in cash, which is where financing comes in. There are several options to obtain boat financing:

  • Dealer financing - Many dealers offer in-house lending or partnerships with banks and lenders to finance new and used pontoon purchases. This provides a one-stop solution but interest rates may be higher.
  • Bank/credit union loans - Checking with banks, credit unions, or online lenders can potentially get you lower interest rate financing. They will likely require good credit (660+ score).
  • Secured loan - Collateral like another boat, car, or property may help those with lower credit scores secure a loan. Interest will be higher.
  • Third party lender - Companies like Progressive Finance specialize in powersports lending through relationships with dealers and may approve buyers that banks reject. Rates are often higher.
  • Personal loan - Unsecured personal loans for general use are an option but will carry higher interest than a secured boat loan.

For the lowest rates, a credit score over 740 is recommended along with at least a 20% downpayment. Compare all financing options. A pre-approval from your lender will also give you negotiation leverage when boat shopping.

Carefully consider monthly payments and your overall budget when financing. While low rates and longer terms (up to 20 years) make boats seem affordable, paying the minimum can mean you’re still paying years after the usable life of the boat.

Ongoing Costs of Pontoon Boat Ownership

The purchase price is just the beginning - owning and operating any boat involves additional annual expenses. Besides loan payments, other costs to budget for include:

  • Insurance - $300 to $1,500+ depending on coverage
  • Registration/titling fees - $100 to $500
  • Storage or dock fees - $500 to several thousand
  • Routine maintenance - $500 to $2,000
  • Fuel - $500 to $5,000 depending on usage
  • Haul outs, cleaning, winterization - $500 to $2,000

These costs can easily add up to thousands per year. And that's not including major repairs or upgrades you may want. Review all anticipated expenses before committing to buy any boat.

While pontoons tend to have lower operating costs compared to similar fiberglass boats, buying more boat than you can truly afford will lead to headaches and regret.

5 Key Questions to Ask Before Buying a Pontoon Boat

  • How will you primarily use the boat? Carrying lots of people and gear for parties and cruising requires a different setup than just casual fishing trips or days at the sandbar. Prioritize your needs.
  • What is your total budget? Crunch the numbers on the boat, trailer, taxes, fees, financing, insurance, accessories, annual costs, and maintenance. Leaving wiggle room for the unexpected is advised.
  • Can you handle maintenance? Outboards and trailers require regular care. Are you willing to learn basic skills like changing oil and cleaning fuel systems or pay pros instead?
  • Where will you store it? Space at the marina or your home for a trailer will impact costs and convenience. Make arrangements before purchasing.
  • Is used or new better? Used can save money upfront but may lack features you want or develop issues. New means full warranties and customization, but faster depreciation.

Answering questions like these upfront will give you clarity on what you can realistically afford and properly care for.

The Right Pontoon Boat for Your Budget

With an abundance of choices, there is a pontoon boat to fit most budgets. Carefully assess your needs, finances, and Committing to the ongoing costs of ownership is also essential. With proper research and reasonable expectations, a pontoon can provide years of priceless memories with family and friends on the water.

FAQ - Pontoon Boat Pricing and Costs

Q: How much is a basic 20 foot pontoon boat?

A: A typical new 20 foot pontoon with a 60 HP outboard, basic upholstery, and minimal features starts around $18,000 - $22,000. A comparable used model generally ranges from $12,000 - $18,000.

Q: What does a higher-end 25 foot pontoon cost?

A: New 25 foot luxury/premium pontoons from top brands with maximum horsepower (150 HP+), plush furnishings, and several upgrades usually cost $40,000 - $70,000 or more. Used prices are typically 50% less.

Q: What is the most expensive pontoon boat available?

A: On the very high-end, large custom pontoons from brands like PlayCraft can exceed $250,000. Top of the line engines, the finest materials, custom fabrications and lavish amenities account for these ultra-luxury price tags.

Q: Does pontoon size affect price more than features?

A: While a larger size pontoon costs more upfront, adding upgrades like premium sound systems, performance packages, hardwood floors etc. also rapidly increases the price. More amenities can outweigh size cost differences between budget and premium models.

Q: Is financing a pontoon boat difficult?

A: Pontoons can be financed like other boats and recreational vehicles. Rates are very good for buyers with credit scores over 740. Lower credit scores under 700 may get approved with higher rates or a down payment. Banks usually offer better rates than dealer financing.