Ownership costs?

the major variable will be mooring...so an idea where you plan to do that would aid the discussion
Also how old the boat is would impact on the future maintenance costs

^^^ What he said. On the South Coast, I was paying £7,000 a year for a marina mooring (in 2001). Insurance (not racing) was about £150 a year. Then sails, fuel, safety kit, pointless shiny things etc are as much as you want to spend (I used to race for a chap who budgeted £25K a year for sails, race entry fees etc, etc - we took it fairly seriously though...)

Marinas are guaranteed to be costly. A cheaper alternative is to have a swinging mooring in a river somewhere, though there are obvious disadvantages like needing a tender to get out to it.

Where my dad keeps his boat the mooring fee, launch and recovery costs, and winter storage ashore cost less than a month at the marina down the river.

The other main costs come from maintenance. If you are fairly handy you can keep the costs down by doing things yourself. Parts costs for marine engines are unnecessarily high, especially if it is a Volvo but then most engines are fairly reliable. Insurance companies ask for a survey every few years and you usually have to fix anything that the surveyor points out to get cover.

You can fill a boat with electronics and toys - the sky's the limit, but you don't need to spend loads to get the basics. Many boats on the market will already have most of the usual stuff nowadays anyway.

One of the common miscoceptions about sailing is that it has to be expensive. It doesn't, though there are always unavoidable costs they can usually be controlled.

with what??? a chinook?

Sorry I would not say towing a 30 ft yacht would be easy...ours is 4.5 tonnes, plus storing it outside your house may p1ss a few neighbours off!
We had ours moored up in a marina for 150 a week, we moved it to a riverside location due to it being a bit cheaper.
As said above, maintanence costs depend purely on the condition of the boat

For a 38ft yacht in Southampton, 24hr access water and elec is £5.8k with a 10% discount.

Annual lift if you do will be circa £300-450.

Anti fouling (doing it yourself) £200-300

Coppercoat (instead of antifouling and should last 10 years) £500 quid.

Engine servicing, plus misc costs, ie bent shaft, problems. £300-1000.

Sails as above £1.5k to skys the limit depending upon sail material, use, misuse.

Insurace we pay £450 yr for £100k boat.

You then have rig checks every 10 years,

Change the stern gland every 5 years,

Cleaning products and gas and fuel and visiting marina costs, replacement instruments etc etc.

Just rent one!