← Open 2026 BMW X3 M50 in the full tool
Cost to own
2026 BMW X3 M50
Cost per mile
$1.64/mi
$82,138 total over 5 years
about $1,369 a month · $12,300 a year fixed + $0.41 per extra mile
Smiles per dollar
4.1
experience 6.7/10 ÷ $1.64/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 | $33,000 | 40% |
| Tax + title | $3,653 | 4% |
| Fuel / charging | $10,111 | 12% |
| Insurance | $14,000 | 17% |
| Maintenance + repairs | $5,650 | 7% |
| Registration | $990 | 1% |
| Vehicle property tax | $206 | 0% |
| Loan interest | $14,528 | 18% |
| Total | $82,138 | 100% |
Buying and selling
Price $72,000, worth about $39,000 after 5 years (54% of its value kept). Prices as of September 2026. 27 mpg on premium (EPA combined).
Known problem areas
- Steering system software (EPS torque-sensor detection) (high odds, $0–$0): Recall 25V857: software may miss torque-sensor fault, steering wheel can move unexpectedly when stationary; software reflash source
- B58TU2 cooling plastics / oil filter housing gasket (low odds, $300–$1,200): Coolant vent lines, junctions and OFH gasket crack or seep with heat cycles source
Similar cars
- 2018 Honda CR-V · $0.76/mi
- Used Mazda CX-5 Turbo · $0.79/mi
- Used Toyota RAV4 Adventure · $0.77/mi
- Used BMW X3 M40i · $1.21/mi
- Used Porsche Macan S · $1.31/mi
- 2020 Audi SQ5 · $1.27/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.