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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

$44,910*

Total Cash Price

$23,568

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

True Cost to Own

$42,458*

Total Cash Price

$21,783

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

True Cost to Own

$48,858*

Total Cash Price

$26,175

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

True Cost to Own

$46,245*

Total Cash Price

$24,251

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

True Cost to Own

$44,258*

Total Cash Price

$23,461

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

True Cost to Own

$52,568*

Total Cash Price

$29,449

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

True Cost to Own

$50,303*

Total Cash Price

$27,484

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

True Cost to Own

$54,537*

Total Cash Price

$29,882

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

True Cost to Own

$44,662*

Total Cash Price

$22,475

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

True Cost to Own

$46,927*

Total Cash Price

$25,146

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

True Cost to Own

$48,772*

Total Cash Price

$25,250

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

True Cost to Own

$46,548*

Total Cash Price

$24,660

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

True Cost to Own

$50,689*

Total Cash Price

$26,994

Ownership Costs: 5-Year Total

Depreciation

$8,833

Taxes & Fees

$2,509

Financing

$3,821

Fuel

$11,579

Insurance

$7,093

Repairs

$2,500

Maintenance

$6,123

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$1,336$1,376$1,417$1,460$1,504$7,093
Maintenance$2,124$695$957$388$2,670$6,834
Repairs$358$417$488$570$667$2,500
Taxes & Fees$1,997$185$177$165$155$2,679
Financing$1,416$1,143$848$533$194$4,134
Depreciation$3,682$1,249$1,794$1,632$1,734$10,091
Fuel$2,181$2,246$2,314$2,383$2,455$11,579
True Cost to Own®$13,094$7,311$7,995$7,131$9,379$44,910
Selected Model:

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

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Insurance$1,336$1,376$1,417$1,460$1,504$7,093
Maintenance$1,768$695$957$388$2,315$6,123
Repairs$358$417$488$570$667$2,500
Taxes & Fees$1,851$178$171$159$150$2,509
Financing$1,309$1,056$784$493$179$3,821
Depreciation$3,087$1,189$1,815$1,343$1,399$8,833
Fuel$2,181$2,246$2,314$2,383$2,455$11,579
True Cost to Own®$11,890$7,157$7,946$6,796$8,669$42,458
Selected Model:

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

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Insurance$1,477$1,521$1,567$1,614$1,662$7,841
Maintenance$2,318$695$957$388$2,865$7,223
Repairs$358$417$488$570$667$2,500
Taxes & Fees$2,212$203$190$178$162$2,945
Financing$1,573$1,269$942$592$215$4,591
Depreciation$3,304$1,985$1,925$2,486$2,109$11,809
Fuel$2,251$2,318$2,388$2,459$2,533$11,949
True Cost to Own®$13,493$8,408$8,457$8,287$10,213$48,858
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$1,336$1,376$1,417$1,460$1,504$7,093
Maintenance$2,028$695$957$388$2,560$6,628
Repairs$411$480$560$655$766$2,872
Taxes & Fees$2,053$194$184$174$160$2,765
Financing$1,457$1,176$873$548$199$4,253
Depreciation$2,923$1,633$1,537$2,057$1,721$9,871
Fuel$2,404$2,476$2,550$2,627$2,706$12,763
True Cost to Own®$12,612$8,030$8,078$7,909$9,616$46,245
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$1,336$1,376$1,417$1,460$1,504$7,093
Maintenance$2,124$695$957$388$2,670$6,834
Repairs$358$417$488$570$667$2,500
Taxes & Fees$1,989$189$179$170$157$2,684
Financing$1,410$1,137$845$530$193$4,115
Depreciation$3,043$1,506$1,418$1,898$1,588$9,453
Fuel$2,181$2,246$2,314$2,383$2,455$11,579
True Cost to Own®$12,441$7,566$7,618$7,399$9,234$44,258
Selected Model:

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

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Insurance$1,492$1,537$1,583$1,630$1,679$7,921
Maintenance$2,481$786$962$399$3,068$7,696
Repairs$358$417$488$570$667$2,500
Taxes & Fees$2,480$220$209$198$184$3,291
Financing$1,769$1,428$1,061$666$241$5,165
Depreciation$3,676$1,763$1,660$2,223$1,860$11,182
Fuel$2,790$2,874$2,960$3,049$3,140$14,813
True Cost to Own®$15,046$9,025$8,923$8,735$10,839$52,568
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$1,477$1,521$1,567$1,614$1,662$7,841
Maintenance$2,222$695$957$388$2,755$7,017
Repairs$411$480$560$655$766$2,872
Taxes & Fees$2,319$211$198$187$171$3,086
Financing$1,651$1,333$990$621$225$4,820
Depreciation$3,372$1,896$1,783$2,387$1,997$11,435
Fuel$2,492$2,567$2,644$2,724$2,805$13,232
True Cost to Own®$13,944$8,703$8,699$8,576$10,381$50,303
Selected Model:

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

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Insurance$1,492$1,537$1,583$1,630$1,679$7,921
Maintenance$2,420$786$962$399$3,007$7,574
Repairs$358$417$488$570$667$2,500
Taxes & Fees$2,516$221$207$193$175$3,312
Financing$1,795$1,449$1,076$676$245$5,241
Depreciation$3,963$2,230$2,039$2,838$2,674$13,744
Fuel$2,683$2,764$2,846$2,932$3,020$14,245
True Cost to Own®$15,227$9,404$9,201$9,238$11,467$54,537
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$1,336$1,376$1,417$1,460$1,504$7,093
Maintenance$1,672$695$957$388$2,205$5,917
Repairs$411$480$560$655$766$2,872
Taxes & Fees$1,908$185$175$165$152$2,585
Financing$1,350$1,090$809$509$184$3,942
Depreciation$2,752$1,584$1,490$1,994$1,670$9,490
Fuel$2,404$2,476$2,550$2,627$2,706$12,763
True Cost to Own®$11,833$7,886$7,958$7,798$9,187$44,662
Selected Model:

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

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Insurance$1,477$1,521$1,567$1,614$1,662$7,841
Maintenance$2,124$695$957$388$2,670$6,834
Repairs$358$417$488$570$667$2,500
Taxes & Fees$2,127$198$188$176$164$2,853
Financing$1,511$1,219$906$568$206$4,410
Depreciation$3,181$1,579$1,769$1,895$2,116$10,540
Fuel$2,251$2,318$2,388$2,459$2,533$11,949
True Cost to Own®$13,029$7,947$8,263$7,670$10,018$46,927
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$1,477$1,521$1,567$1,614$1,662$7,841
Maintenance$2,028$695$957$388$2,560$6,628
Repairs$411$480$560$655$766$2,872
Taxes & Fees$2,135$197$186$175$160$2,853
Financing$1,517$1,224$910$570$208$4,429
Depreciation$3,389$1,769$1,665$2,229$1,865$10,917
Fuel$2,492$2,567$2,644$2,724$2,805$13,232
True Cost to Own®$13,449$8,453$8,489$8,355$10,026$48,772
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$1,336$1,376$1,417$1,460$1,504$7,093
Maintenance$2,028$695$957$388$2,560$6,628
Repairs$411$480$560$655$766$2,872
Taxes & Fees$2,087$194$184$174$161$2,800
Financing$1,482$1,195$888$558$202$4,325
Depreciation$3,314$1,587$1,493$2,000$1,673$10,067
Fuel$2,404$2,476$2,550$2,627$2,706$12,763
True Cost to Own®$13,062$8,003$8,049$7,862$9,572$46,548
Selected Model:

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

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Insurance$1,492$1,537$1,583$1,630$1,679$7,921
Maintenance$2,225$786$962$399$2,812$7,184
Repairs$358$417$488$570$667$2,500
Taxes & Fees$2,279$216$201$186$171$3,053
Financing$1,622$1,309$972$610$221$4,734
Depreciation$2,121$2,327$2,231$2,282$2,091$11,052
Fuel$2,683$2,764$2,846$2,932$3,020$14,245
True Cost to Own®$12,780$9,356$9,283$8,609$10,661$50,689

*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.