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Marine Air Conditioning for 4 Cabins

Chilled water: a chiller on a loop, a fan coil and a thermostat per cabin.

Air Conditioning Zones and BTU for 4 Cabins

This is the thing most people have backwards. The sizer works from the volume of air that has to be cooled, and the volume does not change because you drew a bulkhead through it. A boat with four or more cabins needs the same total cooling as the same hull with one big saloon.

Past three zones, direct-expansion stops scaling — every zone needs its own refrigerant run. A chilled-water loop carries cold water instead, so adding the fourth cabin is a fan coil and a tee, not another compressor.

On a typical 52 ft boatCooling
Total, subtropics26,500 BTU
Per zone, if you split it 4 ways6,500 BTU
Total in the tropics31,500 BTU
Total in temperate water22,000 BTU

6,500 BTU per zone is 1.9 kW each — small enough that the per-zone hardware is cheap, which is exactly why the argument is about ducting and compressors rather than about capacity.

4-Cabin Marine Air Conditioning Installation Costs

Chilled water. A chiller feeding fan coils, each cabin on its own thermostat.

Installed $26.6k–$49.3k

Supplied and fitted on a boat of about 52 ft, ex GST, including the seawater side and the 240 V work.

Shortlist Webasto BlueCool C27, Dometic Chilled water

The units on this site that suit this architecture at roughly 6,500 BTU a zone.

Ducting and Zone Control Limitations

Running long ducts from one box to reach every cabin is the cheap answer and it is usually the wrong one. Airflow falls off with duct length and with every bend, so the far cabin gets a trickle while the near one gets the noise. If a quote proposes to feed four or more cabins from a single self-contained unit, ask what the duct run to the furthest grille actually is, and ask what happens if that cabin does not cool. Agreeing that in advance is far cheaper than arguing about it in February.