Hyundai Santa Cruz Ownership Cost Calculator 2026
Pre-filled with real Hyundai Santa Cruz specs. Estimate your Hyundai Santa Cruz 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 Cruz
| Year | Start Value | Depreciation | Fuel | Insurance | Maint. | Reg | Loan Pmt | Yr Out-of-Pkt | Cumulative | End Value |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $34,500 | −$3,795 | $2,118 | $1,800 | $950 | $150 | $7,029 | $12,047 | $18,947 | $30,705 |
| 2 | $30,705 | −$2,760 | $2,118 | $1,800 | $950 | $150 | $7,029 | $12,047 | $30,994 | $27,945 |
| 3 | $27,945 | −$2,760 | $2,118 | $1,800 | $950 | $150 | $7,029 | $12,047 | $43,041 | $25,185 |
| 4 | $25,185 | −$2,415 | $2,118 | $1,800 | $950 | $150 | $7,029 | $12,047 | $55,088 | $22,770 |
| 5 | $22,770 | −$2,070 | $2,118 | $1,800 | $950 | $150 | $7,029 | $12,047 | $67,135 | $20,700 |
| 5-yr total | — | −$13,800 | $10,591 | $9,000 | $4,750 | $750 | $35,144 | $67,135 | — | $20,700 |
Combined 23 MPG (EPA). Depreciation uses a compact-truck segment-average retention curve (editable). Figures are estimates for planning, not a quote.
Hyundai Santa Cruz — Base Parameters
Powertrain
- Engine2.5L GDI I4 (Smartstream G2.5)
- DrivetrainAWD
- Fuelgas
- Market years2022-2024
EPA Efficiency
- City21 MPG
- Highway26 MPG
- Combined23 MPG
- Source year2022
Trims & MSRP
- Base (entry trim)$27,000
- Popular (mid trim)$34,500
- Top (fully loaded)$42,000
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 Cruz (this car) | $34,500 | $46,435 | $9,287 | $20,700 | $0.77 |
| Chevrolet Colorado | $34,500 | $46,917 | $9,383 | $20,700 | $0.78 |
| Ford Ranger | $34,000 | $46,607 | $9,321 | $20,400 | $0.78 |
| Ram 1500 Classic | $35,000 | $48,333 | $9,667 | $21,000 | $0.81 |
| GMC Canyon | $36,000 | $47,845 | $9,569 | $21,600 | $0.80 |
Hyundai Santa Cruz — Common Ownership Questions
What is the Hyundai Santa Cruz 5-year cost of ownership in 2026?
Based on a Popular-trim purchase at $34,500 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 $46,435 — about $9,287 per year — with an estimated $20,700 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 Cruz depreciate each year?
The Santa Cruz sits in the compact-truck segment. Applying a segment-average retention curve, it is estimated to keep roughly 89% of its value after the first year and 60% 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 Cruz MSRP and which trims are available?
The Santa Cruz ranges from $27,000 (Base (entry trim)) to $42,000 (Top (fully loaded)). Trims shown: Base (entry trim) ($27,000); Popular (mid trim) ($34,500); Top (fully loaded) ($42,000). Select a trim in the calculator to recompute costs instantly.
What are the Hyundai Santa Cruz real-world fuel costs?
EPA combined rating is 23 MPG (city 21 / highway 26). At the 2026 national average of $4.06/gal and 12,000 miles per year, fuel runs about $2,118 per year, or $10,591 over 5 years.
Does the Hyundai Santa Cruz qualify for any tax credits?
The Santa Cruz 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 Cruz ownership costs compare with rivals?
See the side-by-side comparison table on this page. We model the Santa Cruz against Chevrolet Colorado, Ford Ranger, Ram 1500 Classic, GMC Canyon 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.