This article reveals how U.S. retirees are saving money and avoiding taxes by living full-time on cruise ships in 2025. 2025 Retirement Hack: Living on a Cruise Ship for Less Than U.S. Rent In 2025, retirees across the U.S. are discovering a surprising truth: it can be cheaper to live on a cruise ship than to rent an apartment . With rising rents, healthcare premiums, and living costs, cruise lines are now becoming the new retirement villages for financially savvy seniors. Why Cruises Beat Rent in 2025 Here’s what’s included in your monthly cruise fare: Private room and housekeeping All meals (no cooking or groceries) Healthcare staff on board Entertainment, internet, and gym access No utility bills or property taxes Retirement living that used to cost $5,000/month in the U.S. now costs $1,800 to $3,200/month aboard ship — with international views included. Top Cruise Lines Offering Long-Term Residency Deals Royal Caribbean – discounted 6+ month stays Ho...