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Used 2021 Toyota Camry Cost to Own

Total 5-Year Ownership Costs

Camry Sedan

SE 4dr Sedan (2.5L 4cyl 8A)

True Cost to Own

$39,525*

Total Cash Price

$22,714

LE 4dr Sedan (2.5L 4cyl 8A)

True Cost to Own

$37,216*

Total Cash Price

$21,087

XSE 4dr Sedan (2.5L 4cyl 8A)

True Cost to Own

$42,721*

Total Cash Price

$25,288

SE 4dr Sedan AWD (2.5L 4cyl 8A)

True Cost to Own

$40,541*

Total Cash Price

$23,512

SE Nightshade Edition 4dr Sedan (2.5L 4cyl 8A)

True Cost to Own

$39,042*

Total Cash Price

$22,866

TRD 4dr Sedan (3.5L 6cyl 8A)

True Cost to Own

$44,991*

Total Cash Price

$28,095

XSE 4dr Sedan AWD (2.5L 4cyl 8A)

True Cost to Own

$43,738*

Total Cash Price

$26,594

XSE 4dr Sedan (3.5L 6cyl 8A)

True Cost to Own

$47,191*

Total Cash Price

$28,658

LE 4dr Sedan AWD (2.5L 4cyl 8A)

True Cost to Own

$39,091*

Total Cash Price

$21,875

XLE 4dr Sedan (2.5L 4cyl 8A)

True Cost to Own

$41,065*

Total Cash Price

$24,633

XLE 4dr Sedan AWD (2.5L 4cyl 8A)

True Cost to Own

$42,187*

Total Cash Price

$24,275

SE Nightshade Edition 4dr Sedan AWD (2.5L 4cyl 8A)

True Cost to Own

$40,923*

Total Cash Price

$24,036

XLE 4dr Sedan (3.5L 6cyl 8A)

True Cost to Own

$43,681*

Total Cash Price

$26,204

Ownership Costs: 5-Year Total

Depreciation

$9,951

Taxes & Fees

$1,798

Financing

$3,984

Fuel

$7,992

Insurance

$7,294

Repairs

$2,224

Maintenance

$6,282

Ownership Costs: 5-Year Breakdown

Selected Model:

2021 Camry Sedan SE 4dr Sedan (2.5L 4cyl 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Insurance$1,374$1,415$1,458$1,501$1,546$7,294
Maintenance$1,991$627$867$338$2,459$6,282
Repairs$323$374$435$505$587$2,224
Taxes & Fees$1,439$102$91$83$83$1,798
Financing$1,365$1,101$818$513$187$3,984
Depreciation$3,632$1,231$1,769$1,609$1,710$9,951
Fuel$1,505$1,551$1,597$1,645$1,694$7,992
True Cost to Own®$11,629$6,401$7,035$6,194$8,266$39,525
Selected Model:

2021 Camry Sedan LE 4dr Sedan (2.5L 4cyl 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Insurance$1,374$1,415$1,458$1,501$1,546$7,294
Maintenance$1,644$627$867$338$2,111$5,587
Repairs$323$374$435$505$587$2,224
Taxes & Fees$1,336$95$85$77$77$1,670
Financing$1,267$1,022$760$476$173$3,698
Depreciation$3,059$1,178$1,798$1,330$1,386$8,751
Fuel$1,505$1,551$1,597$1,645$1,694$7,992
True Cost to Own®$10,508$6,262$7,000$5,872$7,574$37,216
Selected Model:

2021 Camry Sedan XSE 4dr Sedan (2.5L 4cyl 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Insurance$1,408$1,450$1,494$1,539$1,585$7,476
Maintenance$2,182$627$867$338$2,649$6,663
Repairs$323$374$435$505$587$2,224
Taxes & Fees$1,600$114$102$92$92$2,000
Financing$1,519$1,226$911$572$207$4,435
Depreciation$3,267$1,962$1,903$2,457$2,085$11,674
Fuel$1,554$1,600$1,648$1,698$1,749$8,249
True Cost to Own®$11,853$7,353$7,360$7,201$8,954$42,721
Selected Model:

2021 Camry Sedan SE 4dr Sedan AWD (2.5L 4cyl 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Insurance$1,374$1,415$1,458$1,501$1,546$7,294
Maintenance$1,907$627$867$338$2,367$6,106
Repairs$370$430$498$580$674$2,552
Taxes & Fees$1,488$106$95$86$86$1,861
Financing$1,413$1,140$846$532$193$4,124
Depreciation$2,901$1,620$1,525$2,040$1,707$9,793
Fuel$1,660$1,709$1,761$1,813$1,868$8,811
True Cost to Own®$11,113$7,047$7,050$6,890$8,441$40,541
Selected Model:

2021 Camry Sedan SE Nightshade Edition 4dr Sedan (2.5L 4cyl 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Insurance$1,374$1,415$1,458$1,501$1,546$7,294
Maintenance$1,991$627$867$338$2,459$6,282
Repairs$323$374$435$505$587$2,224
Taxes & Fees$1,448$103$92$84$84$1,811
Financing$1,374$1,108$824$517$187$4,010
Depreciation$3,035$1,502$1,415$1,893$1,584$9,429
Fuel$1,505$1,551$1,597$1,645$1,694$7,992
True Cost to Own®$11,050$6,680$6,688$6,483$8,141$39,042
Selected Model:

2021 Camry Sedan TRD 4dr Sedan (3.5L 6cyl 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Insurance$1,388$1,430$1,473$1,517$1,562$7,370
Maintenance$2,338$705$871$350$2,844$7,108
Repairs$323$374$435$505$587$2,224
Taxes & Fees$1,777$126$113$103$103$2,222
Financing$1,688$1,362$1,012$635$231$4,928
Depreciation$3,587$1,721$1,620$2,170$1,815$10,913
Fuel$1,926$1,984$2,043$2,105$2,168$10,226
True Cost to Own®$13,027$7,702$7,567$7,385$9,310$44,991
Selected Model:

2021 Camry Sedan XSE 4dr Sedan AWD (2.5L 4cyl 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Insurance$1,408$1,450$1,494$1,539$1,585$7,476
Maintenance$2,098$627$867$338$2,557$6,487
Repairs$370$430$498$580$674$2,552
Taxes & Fees$1,683$120$107$97$97$2,104
Financing$1,598$1,289$958$601$218$4,664
Depreciation$3,338$1,877$1,765$2,363$1,977$11,320
Fuel$1,721$1,772$1,825$1,880$1,937$9,135
True Cost to Own®$12,216$7,565$7,514$7,398$9,045$43,738
Selected Model:

2021 Camry Sedan XSE 4dr Sedan (3.5L 6cyl 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Insurance$1,388$1,430$1,473$1,517$1,562$7,370
Maintenance$2,278$705$871$350$2,784$6,988
Repairs$323$374$435$505$587$2,224
Taxes & Fees$1,813$129$115$105$105$2,267
Financing$1,722$1,389$1,032$648$235$5,026
Depreciation$3,887$2,188$2,000$2,784$2,623$13,482
Fuel$1,852$1,908$1,965$2,024$2,085$9,834
True Cost to Own®$13,263$8,123$7,891$7,933$9,981$47,191
Selected Model:

2021 Camry Sedan LE 4dr Sedan AWD (2.5L 4cyl 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Insurance$1,374$1,415$1,458$1,501$1,546$7,294
Maintenance$1,560$627$867$338$2,019$5,411
Repairs$370$430$498$580$674$2,552
Taxes & Fees$1,385$98$88$80$80$1,731
Financing$1,314$1,061$788$494$180$3,837
Depreciation$2,742$1,578$1,484$1,987$1,664$9,455
Fuel$1,660$1,709$1,761$1,813$1,868$8,811
True Cost to Own®$10,405$6,918$6,944$6,793$8,031$39,091
Selected Model:

2021 Camry Sedan XLE 4dr Sedan (2.5L 4cyl 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Insurance$1,408$1,450$1,494$1,539$1,585$7,476
Maintenance$1,991$627$867$338$2,459$6,282
Repairs$323$374$435$505$587$2,224
Taxes & Fees$1,559$111$99$90$90$1,949
Financing$1,480$1,194$887$557$202$4,320
Depreciation$3,189$1,583$1,773$1,899$2,121$10,565
Fuel$1,554$1,600$1,648$1,698$1,749$8,249
True Cost to Own®$11,504$6,939$7,203$6,626$8,793$41,065
Selected Model:

2021 Camry Sedan XLE 4dr Sedan AWD (2.5L 4cyl 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Insurance$1,408$1,450$1,494$1,539$1,585$7,476
Maintenance$1,907$627$867$338$2,367$6,106
Repairs$370$430$498$580$674$2,552
Taxes & Fees$1,536$109$98$89$89$1,921
Financing$1,459$1,176$875$548$200$4,258
Depreciation$3,334$1,741$1,637$2,192$1,835$10,739
Fuel$1,721$1,772$1,825$1,880$1,937$9,135
True Cost to Own®$11,735$7,305$7,294$7,166$8,687$42,187
Selected Model:

2021 Camry Sedan SE Nightshade Edition 4dr Sedan AWD (2.5L 4cyl 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Insurance$1,374$1,415$1,458$1,501$1,546$7,294
Maintenance$1,907$627$867$338$2,367$6,106
Repairs$370$430$498$580$674$2,552
Taxes & Fees$1,522$108$97$88$88$1,903
Financing$1,444$1,165$866$544$197$4,216
Depreciation$3,305$1,583$1,489$1,995$1,669$10,041
Fuel$1,660$1,709$1,761$1,813$1,868$8,811
True Cost to Own®$11,582$7,037$7,036$6,859$8,409$40,923
Selected Model:

2021 Camry Sedan XLE 4dr Sedan (3.5L 6cyl 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Insurance$1,388$1,430$1,473$1,517$1,562$7,370
Maintenance$2,088$705$871$350$2,594$6,608
Repairs$323$374$435$505$587$2,224
Taxes & Fees$1,658$118$106$96$96$2,074
Financing$1,574$1,271$944$592$215$4,596
Depreciation$2,106$2,311$2,216$2,266$2,076$10,975
Fuel$1,852$1,908$1,965$2,024$2,085$9,834
True Cost to Own®$10,989$8,117$8,010$7,350$9,215$43,681

*Based on a 5-year estimate with 15,000 miles driven per year.

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True Cost To Own®

Edmunds.com's True Cost to Own® (TCO®) is proprietary data that helps you estimate the total five-year cost of buying and owning a vehicle — including some items you may not have taken into consideration. A benefit of using our TCO® tool is that you can easily compare the five-year totals for different vehicles and make a more informed choice.