I prefer people refer to ours as a boat, sailboat to be exact. Don't like the pretentious tone most assign to yacht. You can call it a sailing summer condo, if you like.
I know a marina or two, where if you don't have a yacht, they won't even rent you a transient slip. They seem to know what one is, but don't publish the definition. Had a buddy with a brand new million dollar Swan 45 turned away!
That said, if you have an ice maker and central vac, it's probably a yacht.