My club costs $120/year. Here in Metro NY I pay under $1k per year for my mooring AND a small slip at a town dock for a RIB which I use to get around the harbor. Winter storage is around $2700 for a 45 foot LOA monohull. (My boat is 39x28 when open but 45x14 when folded.) I own my own mooring so that's another $300+/year amortized replacement cost every 5-6 years or so, plus mooring maintenance (winter stick and spring commissioning) and semi-annual inspections. So that all adds up to push at $5k annually for a place to keep it. That's cheap for this area. If you add insurance and boat maintenance and fees for guest slips/moorings and "upgrades/toys for the boat, skipper and crew" it's easy to double that. Add major maintenance items like new sails, rigging, engine/mechanics and bills for parts/labor to fix or maintain the occasional "issue" to preserve value of the boat -- now you're more than $10k/yr. and we haven't touched on the subject of depreciation (which really is one of the biggest factors in total-cost-of-ownership in the final analysis).

It requires some free time (or flex time) to enjoy and maintain a boat, and disposable income. Even if you cut these numbers in half for a smaller boat, it isn't an easy lift for the recent college grad or working family on a budget.