Lincoln Ownership Cost Hub 2026

Lincoln at a glance

Our dataset covers 3 Lincoln models spanning SUV body styles. The lineup starts at about $44,000 and reaches roughly $100,000 at the top trim, with an average starting price near $58,000. The lineup is built around conventional gasoline powertrains.

What a Lincoln costs, cheapest to priciest

Sticker price is only the starting point, but it sets the floor for sales tax, insurance, and depreciation. The Nautilus is the most affordable entry point at about $44,000, while the Navigator tops the range at roughly $100,000 in its highest trim.

Most fuel-efficient Lincoln models

Running costs are a large part of ownership, and efficiency varies widely within a single brand. Based on EPA figures in our dataset, the most efficient Lincoln models are:

• Nautilus — 23 MPG combined · most efficient in the lineup
• Aviator — 21 MPG combined
• Navigator — 18 MPG combined

How to compare Lincoln models on total cost

Two Lincoln models with similar sticker prices can differ by thousands of dollars over five years once you add fuel or electricity, insurance, maintenance, and depreciation. Use the cost-of-ownership calculator on any model page to see a pre-filled five-year total based on real EPA efficiency and segment-average depreciation. Lincoln is a premium marque, and premium vehicles typically lose value more quickly than mainstream brands — depreciation is usually the single largest ownership cost, so it deserves close attention.

You can also model financing directly with our Auto Loan Calculator and compare running costs across brands on the full vehicle directory.

What a Lincoln costs to own over five years

Sticker price and ownership cost are different numbers. Running our standard ownership model over 3 representative Lincoln models — the cheapest in the lineup, a mid-range pick, and the most expensive — gives a five-year net cost between $72,669 and $105,580, or roughly $14,534 to $21,116 a year. Net cost means everything you pay out — down payment, loan payments, fuel or electricity, insurance, maintenance and registration — minus the vehicle's projected value at the end of year five.

Assumptions: 12,000 miles a year, 20% down, a 5-year loan at 6.39% APR, 7% sales tax and $150 registration (national baselines), gasoline at $4.06 a gallon (AAA) and electricity at $0.16 a kWh (EIA), plus segment-average insurance, maintenance and depreciation. The projection also uses segment-average depreciation curves, so it is an estimate for a typical Lincoln in that class rather than a forecast for one specific car. Every input is editable on the model pages and in our total cost of ownership calculator.

Depreciation is normally the largest single line. On the Nautilus, the model above projects roughly $28,785 of value lost over five years — about 57% of its $50,500 price — which is why a low sticker price and a low ownership cost are not the same thing.

How Lincoln compares across our 32-brand dataset

Price position is easier to judge against the whole market than in isolation. Across the 32 brands and 300 models in our dataset, Lincoln ranks 17th on entry price at $44,000 for the Nautilus, and 8th on top-trim price at $100,000 for the Navigator. Ranks are counted from the cheapest end (1st = lowest entry price; ties share a rank) and the median entry price across the dataset is $38,000.

Efficiency sets the floor under running costs. The most efficient Lincoln in our dataset is the Nautilus at 23 MPG combined, which ranks 2121st of 244 gasoline, hybrid and plug-in hybrid models. Note that MPGe and MPG use different scales, so electric models are ranked only against other electric models.

None of the 3 Lincoln models in our dataset is battery-electric, against 56 of 300 models (19%) across the whole dataset.

Browse every marque on the brand directory or compare individual models side by side on the full vehicle directory.

Frequently asked questions about Lincoln ownership costs