Buick Enclave Ownership Cost Calculator 2026
Pre-filled with real Buick Enclave specs. Estimate your Buick Enclave 5-year cost of ownership — depreciation, fuel, insurance, maintenance, loan, and residual value — then compare against same-class rivals side by side.
Year-by-Year Cost Breakdown — Buick Enclave
| Year | Start Value | Depreciation | Fuel | Insurance | Maint. | Reg | Loan Pmt | Yr Out-of-Pkt | Cumulative | End Value |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $48,000 | −$6,720 | $2,320 | $1,900 | $950 | $150 | $9,779 | $15,099 | $24,699 | $41,280 |
| 2 | $41,280 | −$5,280 | $2,320 | $1,900 | $950 | $150 | $9,779 | $15,099 | $39,798 | $36,000 |
| 3 | $36,000 | −$4,800 | $2,320 | $1,900 | $950 | $150 | $9,779 | $15,099 | $54,898 | $31,200 |
| 4 | $31,200 | −$3,840 | $2,320 | $1,900 | $950 | $150 | $9,779 | $15,099 | $69,997 | $27,360 |
| 5 | $27,360 | −$3,360 | $2,320 | $1,900 | $950 | $150 | $9,779 | $15,099 | $85,096 | $24,000 |
| 5-yr total | — | −$24,000 | $11,600 | $9,500 | $4,750 | $750 | $48,896 | $85,096 | — | $24,000 |
Combined 21 MPG (EPA). Depreciation uses a midsize-suv segment-average retention curve (editable). Figures are estimates for planning, not a quote.
Buick Enclave — Base Parameters
Powertrain
- Engine3.6L V6 (LFX/LGW)
- DrivetrainAWD
- Fuelgas
- Market years2018-2024
EPA Efficiency
- City18 MPG
- Highway26 MPG
- Combined21 MPG
- Source year2021
Trims & MSRP
- Base (entry trim)$41,000
- Popular (mid trim)$48,000
- Top (fully loaded)$55,000
Same-Segment Cost Comparison
Every model below is modeled with identical assumptions (Popular trim, 20% down, 5-year loan at the national average new-car APR, 12,000 miles/year, national average tax & insurance). This apples-to-apples view is exclusive to VehCalc — manufacturer sites and KBB do not show it side by side.
| Model | Popular MSRP | 5-Yr Cost to Own | Avg / Year | Residual (5 yr) | Cost / Mile |
|---|---|---|---|---|---|
| Buick Enclave (this car) | $48,000 | $61,096 | $12,219 | $24,000 | $1.02 |
| Ford Explorer Hybrid | $48,500 | $60,005 | $12,001 | $24,250 | $1.00 |
| Toyota Grand Highlander | $49,000 | $60,365 | $12,073 | $24,500 | $1.01 |
| Toyota 4Runner | $46,500 | $62,747 | $12,549 | $23,250 | $1.05 |
| Ford Edge ST | $46,500 | $58,568 | $11,714 | $23,250 | $0.98 |
Buick Enclave — Common Ownership Questions
What is the Buick Enclave 5-year cost of ownership in 2026?
Based on a Popular-trim purchase at $48,000 with a 20% down payment, a 5-year loan at the national average new-car APR, 12,000 miles per year, and national average tax and insurance, the estimated 5-year cost of ownership is $61,096 — about $12,219 per year — with an estimated $24,000 residual value after 5 years. Use the calculator above to tailor it to your state, down payment, and mileage.
How much does a Buick Enclave depreciate each year?
The Enclave sits in the midsize-suv segment. Applying a segment-average retention curve, it is estimated to keep roughly 86% of its value after the first year and 50% after five years. Depreciation is typically the single largest ownership cost, which is why our calculator shows it year by year alongside every other expense.
What is the Buick Enclave MSRP and which trims are available?
The Enclave ranges from $41,000 (Base (entry trim)) to $55,000 (Top (fully loaded)). Trims shown: Base (entry trim) ($41,000); Popular (mid trim) ($48,000); Top (fully loaded) ($55,000). Select a trim in the calculator to recompute costs instantly.
What are the Buick Enclave real-world fuel costs?
EPA combined rating is 21 MPG (city 18 / highway 26). At the 2026 national average of $4.06/gal and 12,000 miles per year, fuel runs about $2,320 per year, or $11,600 over 5 years.
Does the Buick Enclave qualify for any tax credits?
The Enclave is a gas vehicle, so federal EV credits do not apply. State-level incentives, if any, are listed on each state's page — select your state in the calculator to see local tax and fee impact.
How do Buick Enclave ownership costs compare with rivals?
See the side-by-side comparison table on this page. We model the Enclave against Ford Explorer Hybrid, Toyota Grand Highlander, Toyota 4Runner, Ford Edge ST using identical assumptions — same annual miles, down payment, and loan terms — so the difference is truly apples-to-apples. That is data the manufacturer's site and KBB do not show side by side.