Ford F-150 Costs

Ford F-150 Costs of Ownership

The average cost of owning a Ford F-150 for 5 years is $41,508. This total will vary per vehicle, driver and location. These ownership expenses include:

The interactive chart below illustrates the relative proportion of each of the major costs of ownership. Click on any of the expenses boxes to see more detail.

Ford F-150 Depreciation

A Ford F-150 will depreciate in value by $15,818 after 5 years. Depreciation is difficult to avoid, but it can be managed. Depreciation is the difference between the original sales price, and what the vehicle will be worth in the future. We use 5 years as an example in our analysis.

When new, a typically-equipped Ford F-150 sells for $43,432 on average. After 5 years of depreciation, the average residual value will be $27,614. This represents the vehicle's retail market price. Trade-in and private sale prices will likely be lower.Trade-in and private sale prices will likely be lower. Use our Ford F-150 Depreciation Calculator to see how model year and mileage will affect your resale value.

Ford F-150 Depreciation Calculator

Current Vehicle Age
Current Price
Own it For
Annual Miles

Ford F-150 Insurance

The average annual cost for auto insurance for a Ford F-150 is $1,695, which adds up to $8,475 after 5 years of ownership. These insurance costs are estimates based on national averages for a 40 year old, with full coverage, a good driving record, and good credit. They also assume a single-car policy, and won't reflect any multi-car discounts. See our Ford F-150 Insurance Tool to view rates by state, for different driver ages, credit ratings and driving history.

Ford F-150 insurance rates will vary significantly between providers for the same coverage. If you've been with your current insurance company for more than a few years, you should get new quotes to make sure you're not overpaying. Try our Competitive Quote Tool or the form below to get free quotes to lower your insurance costs. Advertising Disclosure

Ford F-150 Maintenance

Maintenance and repair costs for a Ford F-150 will amount to $2,809 after 5 years. Expenses include scheduled maintenance, normal wear and tear items and expected repairs. These estimates exclude any free warranty work performed.

The region you live, and the way you care for and drive your vehicle can have a big impact on these costs. So, your results may vary significantly from our estimates. Our Ford F-150 Maintenance Cost Estimator shows how much you are likely to spend, and the probabilities of a major repair over 10 years.

Why Settle for 2nd Rate Coverage? Get Industry Leading Vehicle Protection with CARCHEX
CARCHEX offers nationwide coverage for vehicles new and old
CARCHEX has vehicle protecation plans options for cars up to twenty years old with up to 250,000 miles.
Click below or call 877-238-1720 for a free quote.

Ford F-150 Financing Costs

The average cost to finance a new Ford F-150 would be $5,086 after 5 years. This assumes a 72-month loan with an APR of 4.75% and a 20% down payment. Financing costs are a vehicle cost that you can control. Your interest expense can be greatly reduced by changing your loan term, improving your credit score, or increasing your down payment. If you don't know your credit score, or haven't checked in a while, it's completely free on Credit Karma.

Our Ford F-150 Loan Calculator allows you to build a loan that's best suited for you. This handy utility will also help to keep you from becoming upside down, where you end up owing more than the vehicle is worth. You can estimate monthly payments and download the full amortization schedule as well. We've highlighted some typical loan scenarios in the table below. See what a difference a larger down payment will make in lowering your financing costs and your monthly payments.

Ford F-150 Loans

Condition Term Down Payment
New 72 Month 0% Down 20% Down
New 60 Month 0% Down 20% Down
Used 48 Month 0% Down 20% Down
Used 36 Month 0% Down 20% Down

Ford F-150 Fuel Economy

A Ford F-150 gets an average of 20 MPG, which will cost a total of $9,320 for fuel after 5 years, or about $1,864 annually. These estimates are based on recently collected national average fuel prices, assuming 13,500 miles driven per year - 55% city and 45% highway. These figures also reflect current EPA estimates. Fuel costs will vary based on your driving style, fuel prices in your area, and the engine that will be in your vehicle. We used the Ford F-150 models and engines below for our estimates:

Ford F-150 MPG

Model Powertrain MPG (combined) City Hwy
F150 2WD BASE PAYLOAD LT TIRE 6cyl, 3L, Auto(S10) 24 21 28
F150 2WD FFV BASE PAYLOAD LT 8cyl, 5L, Auto(S10) 18 16 21
F150 5.0L 2WD FFV GVWR>7599 LBS 8cyl, 5L, Auto(S10) 17 15 20
F150 PICKUP 2WD 6cyl, 3.5L, Auto(S10) 19 17 23
F150 PICKUP 2WD 6cyl, 2.7L, Auto(S10) 22 20 26
F150 PICKUP 2WD 6cyl, 3L, Auto(S10) 24 21 29
F150 PICKUP 2WD FFV 8cyl, 5L, Auto(S10) 19 17 23
F150 PICKUP 2WD FFV 6cyl, 3.3L, Auto(S6) 22 19 25
F150 PICKUP 2WD LIMITED 6cyl, 3.5L, Auto(S10) 19 17 22
F150 PICKUP 4WD 6cyl, 3.5L, Auto(S10) 18 16 22
F150 PICKUP 4WD 6cyl, 2.7L, Auto(S10) 20 18 23
F150 PICKUP 4WD 6cyl, 3L, Auto(S10) 22 20 25
F150 PICKUP 4WD FFV 8cyl, 5L, Auto(S10) 18 15 21
F150 PICKUP 4WD FFV 6cyl, 3.3L, Auto(S6) 20 18 23
F150 PICKUP 4WD LIMITED 6cyl, 3.5L, Auto(S10) 19 17 21
F150 PICKUP 4WD XL/XLT 6cyl, 3L, Auto(S10) 24 21 28
F150 RAPTOR 4WD 6cyl, 3.5L, Auto(S10) 16 15 18

Ford F-150 Video Review