← Open 2021 Toyota 4Runner TRD Off-Road in the full tool
Cost to own
2021 Toyota 4Runner TRD Off-Road
Cost per mile
$1.00/mi
$50,149 total over 5 years
about $836 a month · $5,513 a year fixed + $0.45 per extra mile
Smiles per dollar
6.3
experience 6.3/10 ÷ $1.00/mi (editorial rating, never part of the cost)
Worked out for 5 years at 10,000 miles a year with U.S. averages for taxes, fees and fuel (enter your ZIP in the tool for your state's rules) and a 7.14% loan with nothing down. Change any of it in the tool or compare it with other cars.
Where the money goes
| Depreciation | $12,000 | 24% |
| Tax + title | $2,033 | 4% |
| Fuel / charging | $13,171 | 26% |
| Insurance | $8,500 | 17% |
| Maintenance + repairs | $6,037 | 12% |
| Registration | $490 | 1% |
| Vehicle property tax | $38 | 0% |
| Loan interest | $7,880 | 16% |
| Total | $50,149 | 100% |
Buying and selling
Price $39,000, worth about $27,000 after 5 years (69% of its value kept). Prices as of September 2026. 17 mpg on regular (EPA combined).
Known problem areas
- 1GR-FE water pump (medium odds, $700–$1,100): Pump seepage past 100k. source
- Door lock actuators (medium odds, $90–$350): Doors won't lock/unlock. source
- KDSS (if equipped) (low odds, $300–$4,000): KDSS hydraulic cylinder/line leaks and corrosion; KDSS was optional on TRD Off-Road (Premium). source
- Rear (tailgate) window regulator (low odds, $120–$500): Regulator cable frays or snags, so the power tailgate glass stops partway or will not close; check the BACK DOOR fuse and window lock first. source
- Front coil springs (low odds): Front coil springs can crack or snap at the lower end. NHTSA complaints on 2015-2020 4Runners describe it (mostly TRD Pro), from 25k to 114k miles, and one owner got 50% goodwill from Toyota. No complaints on 2021 so far. source
Similar cars
- 2006 Lexus GX470 · $0.90/mi
- 2021 Toyota 4Runner TRD Pro · $1.13/mi
- 2021 Lexus GX460 · $1.18/mi
- 2021 Toyota Sequoia TRD Pro · $1.41/mi
- 2022 Ford Bronco Badlands · $1.08/mi
- 2022 Jeep Grand Cherokee Trailhawk · $1.13/mi
Every number is an estimate you can change. Sources for each one are on its sticker in the tool (tap the small "i"). How CPM works.