Embracing the Financial Impact of Living in an RV as a Military Family

By Lindsey Davee, AFC® 
Military Spouse  

In recent years, full-time recreational vehicle (RV) living has gained serious traction — especially among military families looking for flexibility, cost savings, and a lifestyle that can roll with the punches (and PCS orders). My family has embraced RV life twice, each time seeking not only convenience but also a way to stretch our budget and make financially smart decisions during times of transition.  

The first time was during the seven-month construction of our home — an adventure made even more memorable by my pregnancy cravings that had to be crammed into a fridge the size of a suitcase. The second time came years later, once the squabbles and inconveniences of our first RV stint had softened into the kind of stories you laugh about in hindsight. That time, my husband was attending a long-term military school, and he camped out in the RV while the kids and I stayed put at our duty station. We chose this route because we didn’t want to pack and unpack twice in less than a year. Moving again so soon just didn’t make sense, so the RV gave us a way to stay flexible without the hassle of another move. 

While the reasons for RV living were different each time we chose it, the goal was the same: to stretch our dollars without sacrificing our sanity. Along the way, we learned a lot about what works, what doesn’t, and how to make the most of RV life as a military family. Whether you're planning a temporary transition or considering full-time RVing as a long-term option, here are some practical tips to help you navigate this unique lifestyle. 

Researching RV Options 

The variety of RVs available can be overwhelming. A common mistake is purchasing one that is too large or heavy for your vehicle to tow. Along with understanding your vehicle’s payload, consider how many people will be living in the RV. If it’s just you and your spouse, you can forgo models with bunk beds. Additionally, you’ll want to ensure the underbelly of the RV is insulated for cold weather or labeled “all-season.” Insufficient insulation can lead to high heating costs during winter, even in warmer climates like Florida’s. 

Managing Household Goods 

Living in an RV often means downsizing your belongings. Embrace a minimalist lifestyle and learn to prioritize what you truly need. While living in an RV, consider what to do with your household goods. You may need a nearby storage unit for seasonal items, or you might decide to downsize even further. Just remember, even if you sell off your belongings, you might want to keep the kids’ toys — for both inside and outside play. Rainy days in small living quarters can be challenging.  

Of course, the heart of successful RV living — especially for military families — is smart financial planning. Here’s what to consider when building a realistic RV budget: 

Budget Planning for an RV 

Financing

If you're considering purchasing an RV and financing it, treat the loan like an auto loan. Aim to finance it for no more than four to five years. Remember, RVs depreciate faster than your kids can lose their shoes at a campground! While a longer loan term may seem to fit your budget, selling or trading in your RV after a few years can be challenging if you’ve financed it for 10 years. Therefore, ensure that your budget can accommodate the monthly payment if you choose to finance it. Don’t forget to include your truck payment in your budget, as well. 

Insurance

Check with your auto insurance provider to see if they offer RV insurance. You may qualify for a discount by bundling multiple policies. However, be cautious: opting for basic coverage as a leisure RV can be tempting, but it’s crucial to inform your insurance company that you will be living in it full-time. Failing to do so could result in denied claims. 

Campground Cost

If you plan to stay long term (30+ days), inquire about discounts, especially for military personnel. Review any club memberships, as not all campgrounds accept them for discounts. Always verify long-term rental policies and cancellation terms directly with the campground. Private campgrounds range in price from $60 to $125 per day or more, depending on the amenities offered on-site. 

A FamCamp, short for "Family Camp," is a type of campground specifically designed for military families and personnel. These campgrounds are typically located on or near military installations and offer a range of amenities and services tailored to the needs of military members and their families. They typically range from $500 to $800 per month, with daily rates around $25 to $35. A Military National Park Pass can provide discounts on FamCamp rates, so be sure to research this opportunity where you’re going. 

Fuel Costs

Frequent relocations can increase fuel expenses, particularly if you move to locations farther from your duty assignment, or if you aren’t allowed to stay at campgrounds for long periods. If you’re towing a larger rig like a fifth wheel, consider using a diesel truck. Diesel engines typically provide better mileage when towing and allow you to access larger truck pumps more easily.  

Daily Living 

Life, and your daily activities, go on no matter where you live. Here are some things you’ll want to factor into your RV decision-making: 

• Grocery Runs: Smaller refrigerators and pantry spaces may require more frequent grocery trips, depending on family size. 
• Internet: Consider a portable internet solution that travels with you to avoid the “adventure” of trying to stream your favorite show while parked in a field, hoping the Wi-Fi won’t cut out on you. Plans for portable internet cost around $165 a month and generally provide reliable service, especially in areas where cellular coverage may be weak. 
• Laundry: If your RV even has a washer and dryer, you’ll be doing laundry every two days, possibly in a machine that’s about the size of a shoebox. Going somewhere to do laundry, even at campgrounds that have them on site, can be expensive. Look to see if local facilities offer a discount day. The average cost to wash is $2.00-$8.00 per load depending on the machine size and location. Drying on a 30-minute cycle costs $1.50-$3.00 per load. 
• Mail Services: Check with your campground about receiving mail and packages. If they don’t allow it, you may need to rent a mailbox. 

Safety and Comfort 

• Utilities: Some campgrounds charge for utilities on long-term rentals. Keep this in mind as an add-on cost to use electric or other services while you’re there. 
• Propane: Your RV’s heating system and, in some cases, refrigerator may run on propane, which you’ll have to maintain. Larger rigs usually have two 30-lb. tanks, while a smaller travel trailer has two 20-lb. tanks. In winter, especially in colder climates, you might need to refill a tank each week or every few days. A small electric fireplace can help supplement heating costs if you have access to free electricity. 
• Pet Monitoring: If you have pets, consider getting a pet monitor that notifies you of temperature, humidity, and power levels in your RV, providing peace of mind while you’re away. The monthly monitoring cost could be just $15, billed annually, with an app that keeps you connected through live alerts. 
• Storage Unit: If you put your remaining household goods in storage and or seasonal items, remember to keep this line item in your monthly budget. 
• Emergency Repair Costs: As your home on wheels, RV repairs can be costly, especially if you need someone to come to your campsite to do them. Put aside 10-15% of your RV’s value annually for maintenance and repairs. Regular upkeep, such as resealing the roof to prevent leaks, can cost around $100-150 per year. For major repairs that require a visit to a service shop, plan for additional lodging and food costs you may incur during this down time.  
• Generator: If your RV is equipped for it, invest in an onboard generator. This can save you from headaches during power outages, which are common at campgrounds. While solar power is a nice option, it can be expensive to set up a fully solar-capable system. 
• Water Filtration: Invest in a good water filter system or quality filters for your freshwater hose. Prices vary based on the type and brand you choose, but having clean water is essential for your health and comfort. 
• Surge Protector: Invest in a quality surge protector that tracks energy consumption. This will also help protect your RV’s electrical system during storms with power surges.  
• Emergency Preparedness: Have a plan in place for emergencies, including a route in case you need to evacuate. If you have kids, make sure they are aware of and understand the plan so that, in the moment, they will know you have it under control. 

Additional Considerations 

Be prepared for any number of challenges you may face by giving yourself adequate mental space and time to deal with them. Here are two things to keep on your list:

• School Registration: If you have children, check the school district’s policy for registration using the campground address, which may impact what school your child goes to. If your kids need transportation, ask whether the school bus will pick them up from the campground. You can also investigate homeschooling or even virtual school options, which will provide more consistency if your family plans to relocate more often. Some school systems have developed a plan for students from military families, so check to see what kind of support the local schools offer. 
• Exit Strategy: Eventually, you’ll need to relocate out of the RV, so plan ahead for your exit strategy. Whether you intend to sell your RV or transition back to a traditional home, consider the costs associated with selling or storing your RV when you’re done living in it full-time. 

Transitioning to short-term, or even full-time, RV living can be an exciting adventure, especially for military families looking for flexibility, freedom, and a few less cardboard boxes on PCS day. With thoughtful financial planning, realistic budgeting, and a clear understanding of the costs that come with life on the road — including campground fees, fuel, maintenance, and surprise tire blowouts — you can make RV living not just doable, but truly sustainable. Planning ahead means fewer financial surprises and more room in the budget for the things that matter — like fancy beach chairs, local eats, and ice maker. 

Embrace the journey. Every mile is a new opportunity to make memories, meet people from all walks of life, and teach your kids geography the hands-on way. And as you navigate those compact living quarters — where the dining table doubles as a classroom, work desk, and game night central — don’t forget to give yourself some grace. It won’t always be smooth sailing; things will rattle, someone will hit their head on a cabinet, and your budget will occasionally be tested by yet another “must-have” sewer hose upgrade. But if you can laugh often, adapt to change as the seasoned military family you are, and keep in mind that you’ve handled PCSs, deployments, and base housing before, RV life could become a fun memory for you. 

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