How Much Does a Honda Accord Really Cost?

Cost example updated October 24, 2026

Start with the price you will actually pay

For a representative example, use a 2026 Honda Accord LX (gas, 1.5-liter turbo) at $29,590 including destination. Honda lists the LX at $28,395 before the $1,195 destination charge (the delivery fee that is part of the sticker price), and MotorTrend's 2026 pricing roundup confirms the same $29,590 all-in figure. The gas SE runs $31,890 with destination. Replace this starting point with a written quote for the exact trim you are considering.

One thing to know up front: this example is the gas Accord, and gas and hybrid are never mixed on this page. Honda says hybrid versions now make up more than half of Accord sales, so the gas LX is the cheapest entry point, not the volume powertrain, the hybrid is costed separately below so you can compare the two on their own numbers.

The down payment does not make the Accord cheaper; it changes how much you finance. With 10% down ($2,959), 8% APR (the yearly interest rate on the loan) and 60 months, this example finances $29,602 at $600 a month, and the loan costs about $6,411 in interest over five years. The sales tax and the title/dealer fees are rolled into the loan, that is, they are added to the amount borrowed rather than paid separately up front, which is why the financed amount is higher than the price minus the down payment.

Fuel: the sedan advantage

The gas LX is rated 32 mpg combined (29 city, 37 highway, per Honda's published EPA figures for 2026; fueleconomy.gov lists the same 32 mpg combined for the 1.5-liter turbo Accord). At 12,000 miles a year that is 375 gallons annually, roughly $1,557 a year, $7,787 over five years at $4.153 a gallon (the EIA national average for the week ending November 2, 2026). The method is miles divided by mpg, times price, times years, as shown in the EV vs. gas guide. A heavy right foot moves real-world results below the rating, especially in city driving.

Depreciation: still the biggest bucket

Depreciation is the value a car loses over time, the gap between what you pay and what it is worth later. iSeeCars puts the Accord's five-year value loss at about 34.9%, it keeps roughly 65.1% of its price. On a $29,590 purchase that means about $19,263 after five years, or about $10,327 of depreciation, roughly $172 a month.

Sources disagree here, and the gap is stated rather than settled: Edmunds' 2026 SE figure is about $9,159 (roughly 29% of that trim's price), while Kelley Blue Book's 2025 LX figure is $14,909 (roughly 51% of that model's price). That is a wide spread, so the $10,327 above is a planning figure, not a forecast. Run a second scenario with resale 10% lower so the decision does not depend on an optimistic used market. The why cars lose value guide explains the curve behind these numbers.

Insurance: midsize-sedan money

Full-coverage averages for the Accord cluster between about $165 and $200 a month depending on the source: MoneyGeek averages $1,976 a year (about $165 a month), Compare.com averages $198 a month, and Insurify averages $200 a month for a 2025 model. This example uses $185 a month, or $11,100 over five years, inside that range. Premiums depend heavily on the driver, ZIP code, coverage and insurer, so get a quote on the exact trim with matching deductibles and limits before treating any average as yours.

Maintenance: plan about $1,000 a year

Edmunds' 2026 SE breakdown puts five-year maintenance at $4,088 plus $882 in repairs ($4,970 combined), and Kelley Blue Book's 2025 LX figures put maintenance at $3,557 plus $1,666 in repairs ($5,223 combined). This example allows $1,000 a year, or $5,000 all-in, which covers routine service plus a set of tires and the wear items that arrive inside 60,000 miles. The turbo engine wants its oil changes on schedule, it is not an engine that forgives stretched intervals.

The full five-year example

Every figure below comes from the site's own calculator math. The stated inputs are: 2026 Honda Accord LX gas, $29,590 price including destination, 10% down ($2,959), 8% APR, 60 months, 7% sales tax, $900 in title and dealer fees, 12,000 miles per year, 32 mpg, $4.153 per gallon (EIA national average, week ending November 2, 2026), $185 per month insurance, $1,000 per year maintenance, $19,263 resale value after five years. Tax and fees are rolled into the loan.

• Depreciation: $10,327 ($29,590 minus $19,263 resale)
• Insurance: $11,100 ($185 x 60 months)
• Fuel: $7,787 (12,000 / 32 x $4.153 x 5 years)
• Maintenance: $5,000 ($1,000 x 5 years)
• Tax, fees and interest: $9,382 ($2,071 sales tax, $900 fees, $6,411 loan interest)

That totals roughly $43,596, or about $727 a month. Notice what that says about the $600 payment: on this car the payment is not the whole story, it is about 83% of the average month's true cost, and during the loan years the cash actually going out is the payment plus insurance, fuel and upkeep.

Formula

The five-year total is the sum of five buckets: depreciation, insurance, fuel, maintenance, and tax, fees and interest. Depreciation is the $29,590 price minus the $19,263 resale value after five years, which is $10,327. Insurance is $185 a month times 60 months, which is $11,100. Fuel is 12,000 miles a year divided by 32 miles per gallon, times $4.153 a gallon, times 5 years, which is about $7,787. Maintenance is $1,000 a year times 5 years, which is $5,000. Tax, fees and interest is 7% sales tax on $29,590, which is $2,071, plus $900 in title and dealer fees, plus about $6,411 of loan interest, which is $9,382.

Added together, $10,327 plus $11,100 plus $7,787 plus $5,000 plus $9,382 equals $43,596, or about $727 a month. The amount financed is the $29,590 price plus $2,071 sales tax plus $900 in fees, minus the $2,959 down payment, which is $29,602. The tax and fees are rolled into the loan. At 8% APR over 60 months, the payment on $29,602 is $600 a month, and the loan costs about $6,411 in interest over five years. The hybrid Accord is costed separately below and is not part of this total.

The hybrid, shown separately

The 2026 Accord Sport Hybrid at $34,990 including destination is rated 44 mpg combined (46 city, 41 highway, per Honda). At the same 12,000 miles and $4.153 a gallon (the EIA national average for the week ending November 2, 2026), its five-year fuel is about $5,663, about $2,124 less than the gas LX's $7,787. The hybrid costs $5,400 more up front ($34,990 versus $29,590), and on the same financing terms (10% down, 8% APR, 60 months, tax and fees rolled into the loan) it finances $34,840 at about $706 a month with about $7,546 in interest. So at these inputs the fuel saving alone does not close the price gap over five years. Insurance, maintenance and depreciation for the hybrid are not assumed to match the gas car and are not blended into the gas example above, run them separately in the calculator.

Calculation transparency

Jurisdiction. United States. Sales tax, titling, registration and insurance rules are set by your state, so your exact numbers depend on where you buy and register the car. The 7% sales tax and $900 in fees in this example are planning figures, not any one state's actual rates.

Rules and time period. Five years, 12,000 miles a year, gas at $4.153 a gallon (EIA national average, week ending November 2, 2026), 8% APR, 60 months, 10% down. The resale value is a planning assumption, not a forecast. The gas LX example only; the hybrid is costed separately below.

Scope and limitations. Educational estimate only. Insurance and maintenance are planning figures, not quotes. Get a real quote for the same trim, coverage and loan before you decide.

Sources disagree on the Accord's five-year value loss: iSeeCars puts it at 34.9%, Edmunds' 2026 SE figure is about 29%, and Kelley Blue Book's 2025 LX figure is about 51%, so the 34.9% figure used here is kept as a planning assumption, not as a current reading.

Source links checked November 6, 2026. Figures: Honda 2026 Accord LX price, $29,590 including destination; EPA combined fuel economy, 32 mpg; MoneyGeek Accord full-coverage average, about $165 a month; Compare.com Accord full-coverage average, $198 a month; Insurify Accord full-coverage average, $200 a month for a 2025 model; EIA weekly gas prices (week ending November 2, 2026).

Primary sources: Honda News, 2026 Honda Accord pricing and EPA ratings; fueleconomy.gov, EPA fuel economy ratings; MoneyGeek, Honda Accord insurance cost; Compare.com, Honda Accord car insurance; Insurify, Honda Accord car insurance; EIA, Gasoline and Diesel Fuel Update. How the numbers are calculated is written down on the methodology page, and every source is listed on the sources page.

Definitions

Depreciation. The value a car loses over time, the gap between what you pay and what it is worth later. On this page, the $29,590 price minus the $19,263 resale value after five years, which is $10,327.

Resale value. What the car is worth after five years in this example, $19,263. A planning assumption, not a forecast.

APR. Annual percentage rate, the yearly interest rate on the loan. This example uses 8%.

Down payment. The cash paid up front. Here it is 10%, or $2,959.

Destination charge. The delivery fee that is part of the sticker price. It is $1,195 on the Accord, included in the $29,590 price, which is $28,395 before destination.

Combined mpg. The EPA city and highway ratings blended into one figure. It is 32 for the gas LX, 29 in the city and 37 on the highway. The hybrid is rated 44 mpg combined.

Full coverage. Insurance that covers damage to your own car as well as damage to others. Published averages cluster between about $165 and $200 a month; this example uses $185 a month.

Hybrid. A gas engine plus an electric motor working together. The Sport Hybrid is rated 44 mpg combined and costs $5,400 more up front; it is costed separately below, not blended into the gas example.

Questions people actually ask

How much does a Honda Accord cost per month?

In the gas LX example above, about $727 a month over five years ($43,596 in total). The loan payment alone is about $600 a month; the rest is insurance, fuel, upkeep, tax, fees and interest.

Is the Honda Accord hybrid cheaper to own than the gas Accord?

On fuel alone, yes: the Sport Hybrid uses about $5,663 of fuel over five years at 44 mpg, versus $7,787 for the gas LX at 32 mpg, a saving of about $2,124. But the hybrid costs $5,400 more up front ($34,990 versus $29,590), and its loan payment is about $706 a month versus $600 for the gas LX, so the fuel saving alone does not close the price gap over five years at these inputs.

How much value does a Honda Accord lose in 5 years?

iSeeCars puts the Accord's five-year value loss at 34.9%, which is about $10,327 on the $29,590 LX example, leaving about $19,263 of value. Sources disagree: Edmunds' 2026 SE figure is about $9,159, while Kelley Blue Book's 2025 LX figure is $14,909, so treat the $10,327 as a planning figure, not a forecast.

How much is insurance for a Honda Accord?

This example uses $185 a month, or $11,100 over five years. Published full-coverage averages run from about $165 a month (MoneyGeek) to about $200 a month (Insurify for a 2025 model; Compare.com $198), so get a quote on the exact trim before treating any average as yours.

How much does it cost to maintain a Honda Accord?

This example allows $1,000 a year, or $5,000 all-in, which covers routine service plus a set of tires and the wear items that arrive inside 60,000 miles. Edmunds puts five-year maintenance at $4,088 plus $882 in repairs, $4,970 combined, and Kelley Blue Book puts maintenance at $3,557 plus $1,666 in repairs, $5,223 combined.

Related: Compare the Toyota Camry and the Nissan Altima, see what your car payment will be, or browse all models.

Why Accord owners should think past year five

Sedans like the Accord are often keepers, and that is where the economics can improve: the loan ends at year five, and the depreciation curve flattens. The costs that arrive in years six through ten are the wear-and-repair years: a second tire set, suspension work, and out-of-warranty items. The keep it 10 years guide shows how to extend this same math honestly.

Shopping the Accord against an SUV, or against a used one? The Car Showdown runs any two vehicles through the same five buckets side by side, new vs. used compares the two paths, and the true cost of a used car page runs the same math for a first car. The sibling CR-V cost page covers Honda's SUV on the same method.