The True Cost of Owning a Toyota Tundra

Cost example prepared October 25, 2026

Start with the price you will actually pay

For a representative example, use a 2025 Toyota Tundra SR5 CrewMax at $49,955, CrewMax means the big four-door cab with a roomy back seat, and the SR5 is the volume trim, the one most buyers actually take home (Kelley Blue Book's starting sticker price, MSRP, the manufacturer's suggested retail price, for the SR5 CrewMax). Trims run from the SR near $44,000 to the 1794 Edition past $66,000, so replace this starting point with a written quote for the exact trim you are considering. One gap, stated plainly: sources disagree on this price by bed and drive, J.D. Power lists $48,010 for the 5.5-foot bed and $49,320 for the 6.5-foot bed, and four-wheel-drive dealer examples run higher, and whether the $49,955 figure includes the delivery fee is unconfirmed, so a real quote may run a little higher once delivery is added.

The down payment does not make the Tundra cheaper; it changes how much you finance (borrow). With 10% down ($4,996), 8% APR (the yearly interest rate on the loan) and 60 months to pay, this example finances $49,356 at $1,001 a month, and the loan costs about $10,690 in interest over five years.

Fuel: a twin-turbo V6, not a V8

The SR5's 3.4-liter twin-turbo V6 (i-FORCE) is rated 20 mpg combined (18 city, 23 highway) in two-wheel-drive form. At 12,000 miles a year that is 600 gallons annually, roughly $2,492 a year, $12,459 over five years at $4.153 a gallon (the EIA national average for the week ending November 2, 2026). Real-world results move with load and right foot: independent testing of a four-wheel-drive Tundra came in well under the rating, and towing pulls the real number down further. The four-wheel-drive SR5, rated 19 mpg combined, would burn about $656 more gas over five years at the same price per gallon. The hybrid version (i-FORCE MAX) is available on higher trims and is rated a little better, but it costs more up front. The method behind that math is in the EV vs. gas guide: miles divided by mpg, times price, times years.

Depreciation is the Tundra's quiet advantage, used cautiously here

Depreciation is just the word for the value a car loses over time, and it is usually the biggest cost on this kind of page. The Tundra loses value more slowly than most full-size trucks, but published figures disagree by a lot: one iSeeCars study puts the five-year loss at just 21.2%, a 2026 comparison citing iSeeCars' rates uses 28.7%, and Kelley Blue Book's resale projection (about 60.9% kept) implies roughly 39% lost. This example uses the middle figure, 28.7% lost, leaving a $35,618 resale value after five years, about $14,337 of depreciation. If the kinder 21.2% figure holds for your truck, depreciation would be closer to $10,590 and the five-year total about $3,700 lower; if the harsher Kelley Blue Book figure holds, it would be about $5,200 higher. Run both scenarios before deciding, so the decision does not depend on an optimistic used market.

Insurance runs full-size-truck money

Full-coverage averages (coverage that pays for damage to your own truck, not just the other driver's) for a Tundra cluster between about $180 and $231 a month depending on the source (Insurify $180, Compare.com $201 for a 2025, CarInsurance.com $231, averages for the Tundra as a whole, not prices for the SR5 trim specifically). This example uses $200 a month, or $12,000 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 (what you pay out of pocket before insurance kicks in) and limits before treating any average as yours.

Tundra maintenance costs: moderate for a full-size truck

RepairPal's average repair cost for a Tundra is $606 a year, and CarEdge puts maintenance through the first five years at $478 a year, but those are partial buckets, not the whole bill. This example allows $1,200 a year, or $6,000 all-in, which covers routine service plus repairs plus a tire set inside five years at 60,000 miles. Toyota also includes two years or 25,000 miles of free scheduled maintenance, which helps the early years but does not change the five-year shape much. One flag worth knowing: when repairs do happen on a Tundra, they tend to be more severe than average even though shop visits are less frequent, that is what a repair cushion is for.

The full five-year example

Every figure below comes from the site's own calculator math. The stated inputs are: 2025 Toyota Tundra SR5 CrewMax, $49,955 price (delivery-fee inclusion unconfirmed, see the gap note above), 10% down ($4,996), 8% APR, 60 months, 7% sales tax, $900 in title and dealer fees, 12,000 miles per year, 20 mpg, $4.153 per gallon (EIA national average, week ending November 2, 2026), $200 per month insurance, $1,200 per year maintenance, $35,618 resale value after five years.

• Depreciation: $14,337 ($49,955 minus $35,618 resale)
• Insurance: $12,000 ($200 x 60 months)
• Fuel: $12,459 (12,000 / 20 x $4.153 x 5 years)
• Maintenance: $6,000 ($1,200 x 5 years)
• Tax, fees and interest: $15,087 ($3,497 sales tax, $900 fees, $10,690 loan interest)

That totals roughly $59,883, or about $998 a month. Notice what that says about the $1,001 payment: on this truck the payment is actually more than the average month, about 100% of it, because the average spreads the truck's strong resale value across the five years. During the loan years the cash actually going out is higher: the payment plus insurance, fuel and upkeep runs about $1,509 a month.

Formula

The five-year total is the sum of five buckets: depreciation, insurance, fuel, maintenance, and tax, fees and interest. Depreciation is the $49,955 price minus the $35,618 resale value after five years, which is $14,337. Insurance is $200 a month times 60 months, which is $12,000. Fuel is 12,000 miles a year divided by 20 miles per gallon, times $4.153 a gallon, times 5 years, which is about $12,459. Maintenance is $1,200 a year times 5 years, which is $6,000. Tax, fees and interest is 7% sales tax on $49,955, which is $3,497, plus $900 in title and dealer fees, plus about $10,690 of loan interest, which is $15,087.

Added together, $14,337 plus $12,000 plus $12,459 plus $6,000 plus $15,087 equals $59,883, or about $998 a month. The amount financed is the $49,955 price plus $3,497 sales tax plus $900 in fees, minus the $4,996 down payment, which is $49,356. The tax and fees are rolled into the loan. At 8% APR over 60 months, the payment on $49,356 is $1,001 a month, and the loan costs about $10,690 in interest over five years. The $1,001 payment is about 100% of the $998 average month, because the average spreads the truck's strong resale value across the five years.

Why Tundra buyers should think past year five

Full-size trucks are keepers, owners 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, suspension work, and the bigger out-of-warranty items. The keep it 10 years guide shows how to extend this same math honestly.

Shopping the Tundra against another full-size truck? The Car Showdown runs any two vehicles through the same five buckets side by side.

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 Tundra's five-year value loss: iSeeCars' 2026 study puts it at 21.2 percent, its dedicated resale page at 19.7 percent, a 2026 comparison citing iSeeCars at 28.7 percent, which is the figure used here, and Kelley Blue Book's resale projection implies about 39 percent lost, so the 28.7 percent figure used here is kept as a planning assumption, not as a current reading. Compare.com's current Tundra page now shows $184 a month for full coverage, against the $201 for 2025 quoted on this page, and the example figure is kept as printed. Kelley Blue Book's current CrewMax cost-to-own page shows insurance near $986 a month and maintenance near $413 a year, against this page's $200 a month and $1,200 a year, and CarEdge's current depreciation is $15,384, against the $14,337 used here, and the example figures are kept as printed.

Source links checked November 6, 2026. Figures: Kelley Blue Book 2025 Tundra SR5 CrewMax price, $49,955; EPA combined fuel economy, 20 mpg; Insurify Tundra full-coverage average, $180 a month; Compare.com Tundra full-coverage average, $184 a month; RepairPal Tundra average annual repair cost, $606, reliability 3.5 out of 5; CarEdge Tundra maintenance, $478 a year; EIA weekly gas prices (week ending November 2, 2026).

Primary sources: Kelley Blue Book, 2025 Toyota Tundra CrewMax; fueleconomy.gov, EPA fuel economy ratings; Insurify, Toyota Tundra car insurance; Compare.com, Toyota Tundra car insurance; RepairPal, Toyota Tundra reliability; CarEdge, Toyota Tundra costs; 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. Just the word for the value a car loses over time, and it is usually the biggest cost on this kind of page. On this page, the $49,955 price minus the $35,618 resale value after five years, which is $14,337.

Resale value. What the Tundra is worth after five years in this example, $35,618. 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 $4,996.

MSRP. The manufacturer's suggested retail price. It is $49,955 for the SR5 CrewMax, and whether it includes the delivery fee is unconfirmed on this page.

Combined mpg. The EPA city and highway ratings blended into one figure. It is 20 for the SR5 CrewMax two-wheel drive, 18 in the city and 23 on the highway.

Full coverage. Coverage that pays for damage to your own truck, not just the other driver's, and it is what a lender usually requires while a loan is open. This example uses $200 a month, or $12,000 over five years.

Sales tax. The tax charged when you buy the truck. This example uses 7%, which is $3,497 on the $49,955 price.

Questions people actually ask

How much does a Toyota Tundra cost over 5 years?

About $59,883 over five years in the example on this page: $14,337 in value lost, $12,000 for insurance, $12,459 for gas, $6,000 for upkeep, and $15,087 in sales tax, fees and loan interest.

How much does a Toyota Tundra depreciate in 5 years?

This page's example uses a 28.7% value loss, about $14,337 on a $49,955 truck. Published figures disagree: one iSeeCars study puts the loss at just 21.2%, while Kelley Blue Book's resale projection implies about 39% lost. The example sits between the two, so the total does not depend on the rosiest resale number.

How much is insurance for a Toyota Tundra?

Full-coverage averages for the Tundra as a whole run about $180 to $231 a month depending on the source. This page's example uses $200 a month. These are model-level averages, not prices for the SR5 trim specifically, so get a quote on the exact truck.

What gas mileage does a Toyota Tundra get?

The SR5 CrewMax with two-wheel drive is rated 20 miles per gallon combined (18 in the city, 23 on the highway). The four-wheel-drive SR5 is rated 19 miles per gallon combined, and would burn about $656 more gas over five years at the same fuel price.

How much does it cost to maintain a Toyota Tundra?

This page's example uses $1,200 a year, or $6,000 over five years, all-in for routine service, repairs and a tire set. RepairPal's repair-only average is $606 a year, and CarEdge's maintenance-only figure is $478 a year; neither alone covers tires and routine service, which is why the example is higher than either.

Related: See the Ford F-150, the full size truck most Tundra shoppers also price

Related: See the Chevrolet Silverado and its five year cost

Related: See every model with a true cost page

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.