Hyundai Santa Fe Ownership Cost Calculator 2026
Pre-filled with real Hyundai Santa Fe specs. Estimate your Hyundai Santa Fe 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 — Hyundai Santa Fe
| Year | Start Value | Depreciation | Fuel | Insurance | Maint. | Reg | Loan Pmt | Yr Out-of-Pkt | Cumulative | End Value |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $37,000 | −$5,180 | $1,874 | $1,900 | $950 | $150 | $7,538 | $12,412 | $19,812 | $31,820 |
| 2 | $31,820 | −$4,070 | $1,874 | $1,900 | $950 | $150 | $7,538 | $12,412 | $32,224 | $27,750 |
| 3 | $27,750 | −$3,700 | $1,874 | $1,900 | $950 | $150 | $7,538 | $12,412 | $44,636 | $24,050 |
| 4 | $24,050 | −$2,960 | $1,874 | $1,900 | $950 | $150 | $7,538 | $12,412 | $57,048 | $21,090 |
| 5 | $21,090 | −$2,590 | $1,874 | $1,900 | $950 | $150 | $7,538 | $12,412 | $69,460 | $18,500 |
| 5-yr total | — | −$18,500 | $9,369 | $9,500 | $4,750 | $750 | $37,691 | $69,460 | — | $18,500 |
Combined 26 MPG (EPA). Depreciation uses a midsize-suv segment-average retention curve (editable). Figures are estimates for planning, not a quote.
Hyundai Santa Fe — Base Parameters
Powertrain
- Engine2.5L GDI I4 (Smartstream G2.5)
- DrivetrainAWD
- Fuelgas
- Market years2019-2024
EPA Efficiency
- City25 MPG
- Highway28 MPG
- Combined26 MPG
- Source year2021
Trims & MSRP
- Base (entry trim)$30,000
- Popular (mid trim)$37,000
- Top (fully loaded)$44,000
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 |
|---|---|---|---|---|---|
| Hyundai Santa Fe (this car) | $37,000 | $50,960 | $10,192 | $18,500 | $0.85 |
| Toyota Venza | $37,000 | $47,837 | $9,567 | $18,500 | $0.80 |
| Kia Sorento | $37,000 | $50,960 | $10,192 | $18,500 | $0.85 |
| Kia Sorento Hybrid | $37,500 | $48,534 | $9,707 | $18,750 | $0.81 |
| Hyundai Kona N | $36,500 | $51,823 | $10,365 | $18,250 | $0.86 |
Hyundai Santa Fe Reliability, Fault Codes & Maintenance Specs
Model-specific diagnostic data for the Hyundai Santa Fe (2019-2024 (4th Gen TM), 2019-2024): known OBD-II trouble codes, symptom-to-fix mapping, model-year issues, and the factory maintenance specification sheet. Print it and hand it to your technician.
OBD-II fault codes
5 codes logged for this platform, with the cause most often seen on the 2.5L GDI I4 (Smartstream G2.5).
| Code | Description | Common cause here | Severity |
|---|---|---|---|
| P1326 | Engine Management System - Knock Sensor Detection | Connecting rod bearing wear (Hyundai/Kia 2.5L) | High |
| P0300 | Random/Multiple Cylinder Misfire | Carbon-fouled valves, bearing wear | High |
| P0011 | Camshaft Position A - Timing Over-Advanced | CVVD/CVVT solenoid | Medium |
| P0171 | System Too Lean (Bank 1) | Carbon-restricted intake, PCV leak | Medium |
| P0420 | Catalyst System Efficiency Below Threshold | Catalyst damage from bearing debris | Low |
Symptoms, causes & fixes
What owners actually report, what it turns out to be, and what the repair involves.
| Symptom | Root cause | Fix | Model years |
|---|---|---|---|
| 2.5L engine bearing failure — P1326 | Connecting rod bearing wear | Engine inspection; bearing or block replacement | 2020-2022 |
| 8-speed DCT shudder | DCT clutch pack wear | TCM update; clutch pack if persistent | 2020-2022 |
| 8-speed DCT shudder at low speed | DCT clutch pack wear | TCM update; clutch pack if persistent. | 2019-2024 |
| Carbon buildup (GDI) | Direct injection carbon | Walnut blast at 60k miles. | 2019-2024 |
Model-year issues
Problems tied to a specific production window rather than the whole generation.
| Years | Issue | Fix | Status |
|---|---|---|---|
| 2020-2022 | 2.5L connecting rod bearing failure (P1326) | Engine inspection; bearing/block replacement | Check with dealer |
Common problems owners report
Recurring complaints for this model, summarized from owner-reported fault patterns.
- 2.5L GDI engine bearing failure (P1326)
- DCT shudder
- Infotainment lag
- AC compressor noise
Factory maintenance specification sheet
Spec-grade values for the Hyundai Santa Fe. Verify against your owner's manual before service.
| Engine oil grade | 0W-20 |
| Oil capacity (with filter) | 4.5 qt |
| Oil change interval | 5,000 mi |
| Spark plug interval | 60,000 mi |
| Tire size | 235/60R18 |
| Tire pressure (cold) | 34 psi |
| Tire rotation interval | 5,000 mi |
| Air filter interval | 30,000 mi |
| Coolant service interval | 60,000 mi |
| Brake fluid interval | 30,000 mi |
| 12V battery group | Group H6 |
| Battery cold-cranking amps | 600 CCA |
Powertrain & drivetrain identity
Confirm your exact configuration before ordering parts or booking service.
| Engine / motor | 2.5L GDI I4 (Smartstream G2.5) |
| Drivetrain | AWD |
| Body style | SUV |
| Generation | 2019-2024 (4th Gen TM) |
| Market years | 2019-2024 |
| Original MSRP range | $30,000-$44,000 |
| Market | US/CA |
Data sources & methodology
- OBD-II code definitionsSAE J2012 / ISO 15031-6 standardized powertrain diagnostic trouble codes, with platform-specific causes matched against the model in this dataset. Retrieved August 29, 2026.
- Fuel economy & MPGeU.S. Environmental Protection Agency fuel-economy data (fueleconomy.gov), model-year matched where available. Retrieved August 29, 2026.
- Maintenance specificationsFactory scheduled-maintenance intervals, fluid grades, tire sizes, and battery group sizes compiled per model. Retrieved August 29, 2026.
- Defects, recalls & technical service bulletinsNational Highway Traffic Safety Administration (NHTSA) defect and recall records. Retrieved August 29, 2026.
Methodology and citations are maintained by the VehCalc editorial team. Where an official schedule is not yet loaded, results are shown as model estimates and the source is stated as a reference.
Hyundai Santa Fe — Common Ownership Questions
What is the Hyundai Santa Fe 5-year cost of ownership in 2026?
Based on a Popular-trim purchase at $37,000 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 $50,960 — about $10,192 per year — with an estimated $18,500 residual value after 5 years. Use the calculator above to tailor it to your state, down payment, and mileage.
How much does a Hyundai Santa Fe depreciate each year?
The Santa Fe 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 Hyundai Santa Fe MSRP and which trims are available?
The Santa Fe ranges from $30,000 (Base (entry trim)) to $44,000 (Top (fully loaded)). Trims shown: Base (entry trim) ($30,000); Popular (mid trim) ($37,000); Top (fully loaded) ($44,000). Select a trim in the calculator to recompute costs instantly.
What are the Hyundai Santa Fe real-world fuel costs?
EPA combined rating is 26 MPG (city 25 / highway 28). At the 2026 national average of $4.06/gal and 12,000 miles per year, fuel runs about $1,874 per year, or $9,369 over 5 years.
Does the Hyundai Santa Fe qualify for any tax credits?
The Santa Fe 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 Hyundai Santa Fe ownership costs compare with rivals?
See the side-by-side comparison table on this page. We model the Santa Fe against Toyota Venza, Kia Sorento, Kia Sorento Hybrid, Hyundai Kona N 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.
What are the most common Hyundai Santa Fe problems?
Owners of the Hyundai Santa Fe (2019-2024) most often report: 2.5L GDI engine bearing failure (P1326); DCT shudder; Infotainment lag; AC compressor noise. Each is broken down with its root cause and the repair path in the reliability section above.
Which OBD-II codes does the Hyundai Santa Fe throw most often?
The codes logged most frequently for this platform are P1326 (Engine Management System - Knock Sensor Detection), P0300 (Random/Multiple Cylinder Misfire), P0011 (Camshaft Position A - Timing Over-Advanced). The full list with the cause usually found on the 2.5L GDI I4 (Smartstream G2.5) and a low/medium/high severity rating is in the fault-code table above.
Why does my Hyundai Santa Fe 2.5L engine bearing failure — P1326?
On this model the usual cause is connecting rod bearing wear. The typical repair is engine inspection; bearing or block replacement (reported on 2020-2022 cars). The symptoms table above lists every reported fault for this platform.
Are there model-year-specific Hyundai Santa Fe issues I should check before buying used?
Yes — 2020-2022 cars are associated with 2.5L connecting rod bearing failure (P1326). Recommended action: engine inspection; bearing/block replacement Ask the seller or dealer whether this was performed. The model-year table above lists all known production-window issues.
What are the Hyundai Santa Fe service intervals and fluid specs?
Factory spec is 0W-20 oil (4.5 qt) changed every 5,000 miles, 235/60R18 tires at 34 psi cold rotated every 5,000 miles, air filter every 30,000 miles, coolant every 60,000 miles, spark plugs every 60,000 miles, and a group H6 battery at 600 CCA. The full spec sheet is above and printable.