← Open 2026 BMW X5 xDrive40i in the full tool
Cost to own
2026 BMW X5 xDrive40i
Cost per mile
$1.86/mi
$92,882 total over 5 years
about $1,548 a month · $14,008 a year fixed + $0.46 per extra mile
Smiles per dollar
3.3
experience 6.2/10 ÷ $1.86/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 | $38,000 | 41% |
| Tax + title | $4,333 | 5% |
| Fuel / charging | $10,920 | 12% |
| Insurance | $15,000 | 16% |
| Maintenance + repairs | $6,050 | 7% |
| Registration | $1,171 | 1% |
| Vehicle property tax | $253 | 0% |
| Loan interest | $17,155 | 18% |
| Total | $92,882 | 100% |
Buying and selling
Price $85,000, worth about $47,000 after 5 years (55% of its value kept). Prices as of September 2026. 25 mpg on premium (EPA combined).
Known problem areas
- B58TU2 cooling plastics / oil filter housing gasket (low odds, $300–$1,200): Coolant vent lines and OFH gasket leaks with heat cycling 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.