Hyundai Palisade Maintenance Cost: $4,500 Over 5 Years

Cost example updated October 24, 2026

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Start with the price you will actually pay

For a representative example, use a 2026 Hyundai Palisade SEL with front-wheel drive at $43,540 including destination ($41,940 plus the $1,600 destination charge, Kelley Blue Book and Edmunds both list the SEL at $43,540, and TrueCar breaks it down the same way). The SEL sits in the middle of the lineup: the range runs from the SE at $41,035 with destination to the Calligraphy at $56,160. Replace this starting point with a written quote for the exact trim you are considering.

One price conflict, stated plainly: some earlier listings show the SEL with a $1,495 destination charge, for a total near $42,935. This example uses the current $1,600 destination figure, so if your quote still shows the older charge, the five-year total below drops by roughly that $605 difference plus a few dollars of tax and interest.

The down payment does not make the Palisade cheaper; it changes how much you finance. With 10% down ($4,354), 8% APR (the yearly interest rate on the loan) and 60 months to pay, this example finances $43,134 at $875 a month, and the loan costs about $9,342 in interest over five years.

The tax and fees are rolled into the loan in this example. The 7% sales tax ($3,048) and $900 in title and dealer fees are added to the amount financed, they are not paid separately up front, which is why the financed amount ($43,134) is higher than the price minus the down payment alone.

Fuel: regular gas, about 21 miles per gallon

The 3.5-liter V6 (287 horsepower) is rated 21 mpg combined in front-wheel-drive form (19 city, 25 highway, per EPA estimates). At 12,000 miles a year that is about 571 gallons annually, roughly $2,373 a year, $11,866 over five years at $4.153 a gallon (the EIA national average for the week ending November 2, 2026). It runs on regular unleaded, so there is no premium-fuel surcharge hiding in that line.

Two variations on the same math, for comparison. All-wheel drive (extra grip for snow and wet roads) drops the rating to 20 mpg combined and adds $2,000 to the price, for a $45,540 example that lands near $62,641 over five years, or about $1,044 a month. The 2026 Palisade Hybrid, a separate gas-electric version, is rated 34 mpg combined in front-wheel-drive Blue SEL form at $45,760 including destination, its fuel would run about $7,329 over five years, roughly $4,537 less than this gas example, against a $2,220 higher starting price. The method behind that math is in the EV vs. gas guide: miles divided by mpg, times price, times years.

Depreciation is the biggest bucket by far

Depreciation is the value a car loses as it gets older, the gap between what you paid and what it is worth later. iSeeCars' data puts the Palisade's five-year value loss at about 47.5%, it keeps roughly 52.5% of its price, which leaves a resale value near $22,859 after five years on this example, or about $20,681 of depreciation, roughly $345 a month.

Kelley Blue Book's 2026 cost-to-own work is a little kinder, putting five-year depreciation at $17,223, about 42% of the base price, which would cut this example's total by roughly $2,395. This page follows the iSeeCars figure, so the total below is the more cautious of the two.

That resale figure is a planning assumption, not a forecast. Run a second scenario with resale 10% lower (about $20,573) so the decision does not depend on an optimistic used market; that version of the example totals roughly $62,823.

Insurance runs about $170 a month

Full-coverage averages for a Palisade cluster between about $155 and $201 a month depending on the source (Insurify at the low end, The Zebra at the high end for a 2025 model), with Compare.com at about $170 and Insuranceopedia at $171. This example uses $170 a month, or $10,200 over five years. 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: the warranty helps, the tires do not

Hyundai covers the Palisade for 5 years or 60,000 miles bumper-to-bumper, 10 years or 100,000 miles on the powertrain (the engine and transmission), and includes scheduled maintenance free for the first 3 years or 36,000 miles. Edmunds' cost-to-own work on the previous-generation Palisade puts five-year maintenance near $4,438 plus about $646 in repairs, roughly $1,017 a year at 15,000 miles a year, while RepairPal puts yearly repair costs alone near $474. This example allows $900 a year, or $4,500 all-in: below Edmunds' yearly figure because this example drives 12,000 miles a year and the first three years of scheduled upkeep are included, with one set of tires inside five years at 60,000 miles.

The full five-year example

Every figure below comes from the site's own calculator math. The stated inputs are: 2026 Hyundai Palisade SEL front-wheel drive, $43,540 price, 10% down ($4,354), 8% APR, 60 months, 7% sales tax, $900 in title and dealer fees, 12,000 miles per year, 21 mpg, $4.153 per gallon (EIA national average, week ending November 2, 2026), $170 per month insurance, $900 per year maintenance, $22,859 resale value after five years. Tax and fees are rolled into the loan, as stated above.

Depreciation: $20,681 ($43,540 minus $22,859 resale)
Insurance: $10,200 ($170 x 60 months)
Fuel: $11,866 (12,000 / 21 x $4.153 x 5 years)
Maintenance: $4,500 ($900 x 5 years)
Tax, fees and interest: $13,290 ($3,048 sales tax, $900 fees, $9,342 loan interest)

That totals roughly $60,537, or about $1,009 a month. Notice what that says about the $875 payment: on this vehicle the payment is not the whole story, it is about 87% 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 $43,540 price minus the $22,859 resale value after five years, which is $20,681. Insurance is $170 a month times 60 months, which is $10,200. Fuel is 12,000 miles a year divided by 21 miles per gallon, times $4.153 a gallon, times 5 years, which is about $11,866. Maintenance is $900 a year times 5 years, which is $4,500. Tax, fees and interest is 7% sales tax on $43,540, which is $3,048, plus $900 in title and dealer fees, plus about $9,342 of loan interest, which is $13,290.

Added together, $20,681 plus $10,200 plus $11,866 plus $4,500 plus $13,290 equals $60,537, or about $1,009 a month. The amount financed is the $43,540 price plus $3,048 sales tax plus $900 in fees, minus the $4,354 down payment, which is $43,134. The tax and fees are rolled into the loan. At 8% APR over 60 months, the payment on $43,134 is $875 a month, and the loan costs about $9,342 in interest over five years.

Why Palisade owners should think past year five

Three-row SUVs are keepers, families run them a decade or more, 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 and suspension work, partly cushioned here by the 10-year powertrain warranty. The keep it 10 years guide shows how to extend this same math honestly.

Shopping the Palisade against its close cousin, the Kia Telluride? The Telluride cost breakdown runs the same five buckets, and the Car Showdown runs any two vehicles side by side.

Build the number you can live with.

Enter the Palisade purchase price, insurance quote, your real annual mileage, local fuel price, tire allowance and conservative resale value in the calculator. Then change only the inputs that differ to test the all-wheel-drive version, the hybrid, or a longer ownership horizon.

Buying in Texas? Texas adds its own layer to these numbers, a 6.25% sales tax, its own fees, and some of the highest insurance in the country. See the true cost of a car in Texas.

Run your own Palisade numbers →

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.

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 Palisade's five-year value loss: iSeeCars puts it at 47.5% on its comparison pages, while its own detail box shows 48%, and Kelley Blue Book's current specs page puts five-year depreciation at $21,461 for the SEL, so the 47.5% figure used here is kept as a planning assumption, not as a current reading.

Source links checked November 6, 2026. Figures: Edmunds 2026 Palisade SEL price, $43,540 including destination; EPA combined fuel economy, 21 mpg; Compare.com Palisade full-coverage average, $170 a month; Insurify Palisade full-coverage average, $155 a month; RepairPal Palisade average annual repair cost, about $474; EIA weekly gas prices (week ending November 2, 2026).

Primary sources: Edmunds, 2026 Hyundai Palisade; fueleconomy.gov, EPA fuel economy ratings; Compare.com, Hyundai Palisade car insurance; Insurify, Hyundai 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. On this page, the $43,540 price minus the $22,859 resale value after five years, which is $20,681.

Resale value. What the car is worth after five years in this example, $22,859. 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 $4,354.

Destination charge. The fee to ship the car to the dealer. It is $1,600 on the Palisade, and the SEL lists at $41,940 before destination, which brings it to $43,540.

Combined mpg. The EPA city and highway ratings blended into one figure. It is 21 for the SEL with front-wheel drive, 19 in the city and 25 on the highway. All-wheel drive is rated 20 mpg combined.

Full coverage. Insurance that covers damage to your own car as well as damage to others. Published averages run from about $155 to $201 a month; this example uses $170 a month.

Hybrid. A gas engine plus an electric motor working together. The 2026 Palisade Hybrid Blue SEL is rated 34 mpg combined in front-wheel-drive form at $45,760 including destination, and it is costed separately from this gas example.

Questions people actually ask

How much does a Hyundai Palisade cost per month over 5 years?

About $1,009 a month over five years in the example above, for a $60,537 total. The loan payment itself is $875 a month; the rest is insurance, fuel, upkeep, tax, fees and interest.

How much does a Hyundai Palisade cost in gas?

About $2,373 a year, or $11,866 over five years, at 21 mpg combined, 12,000 miles a year and $4.153 a gallon (the EIA national average for the week ending November 2, 2026). All-wheel drive at 20 mpg runs about $12,459 over five years, and the hybrid at 34 mpg runs about $7,329.

Does the Hyundai Palisade hold its value?

iSeeCars puts its five-year value loss at about 47.5%, so it keeps roughly 52.5% of its price, about $22,859 back on a $43,540 example. Kelley Blue Book is a little kinder at about 42% lost, which would cut the five-year total by roughly $2,395.

Does the Palisade SEL come with all-wheel drive?

All-wheel drive is available on the SEL for $2,000 more, for a $45,540 example including destination, and it drops fuel economy to 20 mpg combined. That version totals about $62,641 over five years, or about $1,044 a month.

How much does it cost to maintain a Hyundai Palisade?

This example allows $900 a year, or $4,500 all-in, below Edmunds' yearly figure because this example drives 12,000 miles a year and the first three years of scheduled upkeep are included, with one set of tires inside five years at 60,000 miles. Edmunds' cost-to-own work on the previous-generation Palisade puts five-year maintenance near $4,438 plus about $646 in repairs, roughly $1,017 a year at 15,000 miles a year, while RepairPal puts yearly repair costs alone near $474.