MasterCraft Pricing Explained: What Really Goes into the Cost of a MasterCraft

Buying a new MasterCraft is one of the most exciting purchases you can make! But, when it comes to price, there can be a lot of confusion surrounding the cost of these premium boats. 

This guide will walk you through what affects MasterCraft pricing, how MasterCraft compares to other brands, and what costs go beyond the sticker price so you can buy confidently. 

Understanding Price Differences Within MasterCraft 

Why One MasterCraft Might Cost More Than Another 

Not every MasterCraft is built the same, which is a good thing. Each model and trim level is designed for a specific lifestyle and performance level. Meaning that there is a MasterCraft that fits your needs to a T. 

The biggest factor comes down to the series (trim level). For example: 

• NXT Series: Summer Made Easy (Ranging from $135,00 – $160,000) – Perfect for families or first-time tow-boat buyers who want premium performance without all the upgrades and technology offered on other models.  
• XT Series: Endless Waves. Endless Ways. (Ranging from $170,000 – $240,000)– Offers upgraded surf technology, comfort, and customization options for boaters who want more versatility. 
• X Series: Power. Presence. Precision (Ranging From $315,000 – $350,00) – The top tier, built for peak surf performance, luxury materials, and advanced tech packages. 
• XStar: Legendary Luxury Reimagined ($425,000 – $500,000) – The next-level combination of elite surf and wake performance, luxury finishes, and cutting-edge technology leading the industry. 
• ProStar: Still the Leader. (Ranging from $120,000 – $140,000) – world-class ski boat built for precision, performance, and the smoothest wakes on the water 

Each level comes standard with its own features and technology, with optional upgrades that add to both performance and price. 

Click below to open a MasterCraft model comparison chart –

What Customers Assume Is Included in the Price (But isn’t) 

Many buyers are surprised to learn that certain accessories aren’t automatically included in the sale price. Here’s what to expect: 

• Life Jackets & Safety Gear (~$300 – $800): These must be purchased separately and are available through our Pro Shop. 
• Bumpers, Dock Lines, & Anchor (~$200 – $700): Sold individually depending on your dock setup and boat size. 
• Fuel for Used or Brokered Boats (highly variable depending on type of boat): Pre-owned boats may or may not come with a full tank, ask your salesperson for details. 

Comparing MasterCraft to Other Brands 

Why a MasterCraft Might Cost More Than Another Brand 

When comparing boat brands, remember that you get what you pay for.
MasterCraft’s are built to last, perform, and deliver a premium experience that others can’t match. 

Here are a few reasons other brands can’t compete with MasterCraft: 

• SurfStar System: Each model’s surf system is uniquely engineered for that specific hull. This means a more consistent, customizable wave. Competing systems use one-size-fits-all tabs that can’t match performance. 
• Hand-Laid Fiberglass: Every MasterCraft hull is handmade with thicker fiberglass layers, ensuring better strength, sound reduction, and longevity. 
• Exclusive Ilmor Engines: Built specifically for MasterCraft through an exclusive partnership, Ilmor engines deliver elite power, reliability and the longest warranty in the industry (7 years). 
• Premium Fit and Finish: From plush interiors to sharp accents, every inch reflects quality craftsmanship. 

When We Hear “You’re More Expensive,” Here’s Why We’re Proud of That 

We believe in transparency and quality over shortcuts. 

• You get what you pay for: A higher initial investment means fewer issues and more support throughout the years. 
• Premium dealership experience: We stand behind every sale with expert support, not just transactions. 
• Better ownership value: You’ll enjoy premium amenities, smoother performance, and stronger resale when it’s time to upgrade. 

Why AWS Boats Hold Their Value Long-Term 

Our long-term commitment translates to real value for our owners: 

• MasterCraft-Certified Technicians: Every one of our technicians receives ongoing training to stay up to date on new models and systems. 
• Maintenance Tracking: We’ll remind you when your boat is due for service work so you can focus on fun, not schedules. 
• High-Quality Products: MasterCraft boats are some of the most sought-after used boats on the market thanks to their durability and brand reputation. 

Price Range Means “Different Fits,” Not “Cheap vs. Expensive” 

Every boater has different priorities on the water, and that’s exactly why boat pricing varies across the board. Instead of looking at a number on a price tag, we focus on what each model offers for your lifestyle: the right features, the right layout, and the right performance to match how you want to enjoy the water. 

Maybe you’re dialing in the perfect wave every weekend, or maybe you’re all about relaxing cruises and family time at the sandbar. Whatever your style, we’ll guide you to the boat that fits your needs. Because the best value comes from a boat that brings your family together on the water, season after season. 

The True Cost of Ownership 

The true cost of ownership is determined by several factors that influence the initial purchase price and the cost of ownership over the lifetime of the boat. Depending on which model and year MasterCraft you purchase, different fees will apply. Read below to learn more about long-term costs. 

How Service, Warranty, or Setup Fees Affect Price 

Boat ownership involves more than a sticker price and it’s important to know what’s included: 

• Extended Service Contract ($500 – $6,000): Coverage can vary based on the model, program, and duration. Ask us for details during your purchase. 
• Warranty Transfers ($500 – $2000): If buying used, MasterCraft charges a fee to transfer coverage, including boat, engine, and touchscreen warranties. 
• Dealer Inspections (~$650): Used MasterCraft boats from our dealership are pre-inspected, ensuring transfer eligibility and peace of mind however private sales will require a dealer inspection to transfer warranty. 
• Dockside Service (Dependent on specific service needed): Available for an additional fee. This service is convenient for busy owners who prefer on-site care. 

Learn more about Action Water Sports Service Programs. 

Location and Freight Costs 

At AWS, freight and prep fees are already included in the sale price. This is not an additional cost on top of the sticker price for AWS customers. 

• Other dealerships may advertise lower prices upfront but add freight and/or prep costs later. 
• Always ask for a detailed quote to ensure you’re comparing total costs, not partial prices. 

How Trade-Ins Affect the Final Purchase Price 

Trading-in your old boat is one of the easiest ways to lower your out-of-pocket cost: 

• Sales Tax Savings: You only pay tax on the difference between your trade-in and the new boat price. 
• Simplified Process: Avoid the hassle of listing, showing, and selling your boat privately. We will handle all of that. 
• Time Savings: Skip off-season service bills and let us handle the resale.
  Start your estimate today on our Trade-In Value Page. 

Hidden Costs to Consider 

Boating is all about fun on the water, but it’s smart to plan for the full picture. Here are common ownership expenses that are often overlooked: 

• Storage: Indoor (~$1300) or outdoor, shrink-wrapped (~ $450) storage costs vary depending on location and size of boat. 
• Winterization (~$515): Essential for Northern boaters to prevent engine damage during the cold months. 
• Maintenance: Routine engine and surf system servicing keeps performance high but also adds additional costs throughout the year. 
  • MasterCraft’s require an oil change every 30-50 hours (~$250) 
  • Impellers are recommended every 1-2 years (~$50) 
  • Certain upgradeable options require extended maintenance 
• Equipment: Boards, ropes, and safety gear add up, but they make your time safer and more fun. 
  • Generally, a 10’ section of dock with legs costs around $1,500 
  • Simple boat lifts can start at prices of $15,000 but can be upwards of $30,000 
• Lifts & Docks: Not required but they make your time on the water more enjoyable and hassle free. 
• Tow Vehicle & Marina Fees: Remember to account for towing capacity and slip rental costs if needed. 

Comparing MSRP to Final Sale Price 

Unlike the auto industry, MSRP in boating is a starting point and not the final number. 

• The marine industry often sees discounts around 15% below MSRP, depending on brand, model, and time of the year. 
• Each MasterCraft’s MSRP varies by features, engine, and region. 
• Your final sale price reflects factory incentives, dealer preparation, and any added accessories. 

It’s not uncommon to see a fairly high MSRP on a boat. Just note that prices are likely not the final sale price.  

Navigating Financing and Payment Options 

Most Common Financing Questions 

Boat financing can be simpler and smarter than most people expect. Here are a few of the most common questions that we get: 

• Do I have to finance? Absolutely not, but financing your new boat can unlock additional savings or incentives. 
• What are current interest rates? Rates vary depending on individual qualifications, but our team can help you secure the most competitive financing through our partner banks. Currently, we’re seeing rates around 7.99% APR for up to 240 months with 20% down. 
• How long is the loan term? We typically recommend around 180 months (15 years) for the best balance of payment and flexibility. 
• Why is the financed price cheaper than the cash price? When you finance through one of our partner lenders, they often provide a small incentive to the dealership that isn’t available on cash deals. That incentive helps us offer you a better price when you choose to finance—so it’s a win for both you and us. 

Learn more about financing from our team. 

Understanding Interest Rates and Payments 

Financing gives you flexibility and control: 

• Early Payoff: Some lenders allow you to pay your loan off at any time without penalty. 
• Payment Timing: First payments are usually due 30 days after purchase. 
• Bulk Payments: All loans are simple interest loans allowing for payments over the minimum to be applied to the principal. 
• Finance Incentives: Some incentives only apply when working with the AWS Buisiness Office team and financing through our partnered lenders, not external ones. 

“What’s Your Best Price?” 

When customers ask for the “best price,” we consider all factors to ensure fairness and transparency: 

• Whether you’re financing or paying cash 
• Which manufacturer incentives apply 
• How much the boat is already discounted 
• Whether you have a trade-in to factor in 

Our goal is to make sure you understand every number that goes into your deal. Our goal is to be as transparent as possible with you so that you can feel confident in your purchase for years to come. 

Pricing Trends and Market Insights 

How Pricing Has Changed in the Past Five Years 

The boating industry has evolved significantly, and so have the costs. 

• COVID Supply Chain Effects: Boat prices nearly doubled during peak demand and have remained elevated. 
• Tariffs and Materials: Rising raw material costs continue to influence the rise of prices. 
• Labor Costs: Manufacturers are investing in skilled craftsmen, leading to higher production costs and better quality. 
• Increased Demand: Premium surf and luxury boats remain in high demand, maintaining strong resale value. 

What Are Buyers Willing to Pay More For? 

Modern boaters are prioritizing comfort, performance, and customization more than ever. Especially these features: 

• Upgraded Stereo Systems: For crystal-clear sound even at any speed. 
• FastFill Ballast System: Rapid ballast filling for more time riding, less time waiting. 
• Higher Horsepower: For better performance with heavier loads or larger wakes. 
• Luxury Seating: Ergonomic designs and high-end materials for all-day comfort. 
• Custom Colors & Details: From stitching to hull design, personalization adds pride and resale value. 

Top 5 Pricing Questions We Hear Every Day 

1. Are there any deals?
   Deals depend on the season, model availability, and manufacturer programs. Throughout the year, manufacturers offer incentives to drive sales. As always, fall is the best time to buy as the best incentives are offered during this time of the year. For specific details on deals, give our team a call. We’re happy to answer any questions about available discounts and deals. 
2. Is it more expensive to order a boat?
   Yes, custom-ordered boats usually cost more due to limited production slots and premium build options. In-stock boats are often priced lower through manufacturer partnerships.
3. When is the best time to buy?
   Fall is historically the best time to buy a new boat thanks to manufacturer incentives that keep production steady year-round.  
4. What is the value of my trade-in?
   Schedule an in-person evaluation through our Trade-In Form for the most accurate appraisal. 
5. Why do prices vary between dealers?
   Some dealers exclude freight, setup, or service support from their advertised prices. Always compare the total ownership experience, not just the sticker number. 

Any Other Pricing Questions 

Buying a MasterCraft is about more than a price, it’s about value, trust, and the memories you’ll create on the water. 

At Action Water Sports, we’re proud to offer transparent pricing, unmatched service, and premium brands built to last a lifetime. 

If you have any other questions about the price of a MasterCraft, we’re here to answer any of your questions. Please feel free to give us a call at any time with your questions.