← Open 2026 Ford F-150 Raptor in the full tool
Cost to own
2026 Ford F-150 Raptor
Cost per mile
$1.84/mi
$92,038 total over 5 years
about $1,534 a month · $12,216 a year fixed + $0.62 per extra mile
Smiles per dollar
4.0
experience 7.3/10 ÷ $1.84/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 | $30,000 | 33% |
| Tax + title | $4,417 | 5% |
| Fuel / charging | $17,063 | 19% |
| Insurance | $15,000 | 16% |
| Maintenance + repairs | $7,020 | 8% |
| Registration | $1,130 | 1% |
| Vehicle property tax | $238 | 0% |
| Loan interest | $17,171 | 19% |
| Total | $92,038 | 100% |
Buying and selling
Price $85,000, worth about $55,000 after 5 years (65% of its value kept). Prices as of September 2026. 16 mpg on premium (EPA combined).
Known problem areas
- 3.5L HO EcoBoost cam phasers (medium odds, $3,000–$5,000): Phaser rattle/failure; Raptor owners report repeat failures; Ford revisions have not fully eliminated it source
- Rear axle hub bolts (low odds, $1,500–$3,000): Recall 25S82: rear axle hub bolt fatigue can break and damage splines (F-150 built Jan 2023-May 2025); 2026 builds not listed source
- Fox 3.1 Live Valve shocks (low odds, $2,500–$4,500): Internal-bypass shocks leak/lose damping with hard off-road use; pricey per corner source
- 10R80 10-speed (low odds, $0–$5,000): Harsh/erratic shifts, usually fixed with adaptive relearn/software source
Similar cars
- Used Rivian R1T · $1.32/mi
- 2024 Tacoma TRD Pro · $1.00/mi
- 2023 Tacoma TRD Pro · $0.98/mi
- 2019 Ford F-150 Raptor · $1.55/mi
- 2022 Toyota Tundra TRD Pro · $1.27/mi
- 2026 Tacoma TRD Pro · $1.23/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.