Lexus NX Ownership Cost Calculator 2026
Pre-filled with real Lexus NX specs. Estimate your Lexus NX 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 — Lexus NX
| Year | Start Value | Depreciation | Fuel | Insurance | Maint. | Reg | Loan Pmt | Yr Out-of-Pkt | Cumulative | End Value |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $45,000 | −$8,100 | $1,949 | $3,000 | $1,300 | $150 | $9,168 | $15,567 | $24,567 | $36,900 |
| 2 | $36,900 | −$5,400 | $1,949 | $3,000 | $1,300 | $150 | $9,168 | $15,567 | $40,134 | $31,500 |
| 3 | $31,500 | −$4,950 | $1,949 | $3,000 | $1,300 | $150 | $9,168 | $15,567 | $55,700 | $26,550 |
| 4 | $26,550 | −$4,050 | $1,949 | $3,000 | $1,300 | $150 | $9,168 | $15,567 | $71,267 | $22,500 |
| 5 | $22,500 | −$3,150 | $1,949 | $3,000 | $1,300 | $150 | $9,168 | $15,567 | $86,834 | $19,350 |
| 5-yr total | — | −$25,650 | $9,744 | $15,000 | $6,500 | $750 | $45,840 | $86,834 | — | $19,350 |
Combined 25 MPG (EPA). Depreciation uses a luxury segment-average retention curve (editable). Figures are estimates for planning, not a quote.
Lexus NX — Base Parameters
Powertrain
- Engine2.5L I4 Hybrid (A25A-FXS)
- DrivetrainAWD
- Fuelhybrid
- Market years2022-2024
EPA Efficiency
- City22 MPG
- Highway28 MPG
- Combined25 MPG
- Source year2021
Trims & MSRP
- Base (entry trim)$40,000
- Popular (mid trim)$45,000
- Top (fully loaded)$50,000
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 |
|---|---|---|---|---|---|
| Lexus NX (this car) | $45,000 | $67,484 | $13,497 | $19,350 | $1.12 |
| Audi A4 | $45,500 | $66,834 | $13,367 | $19,565 | $1.11 |
| Acura RDX | $45,500 | $68,284 | $13,657 | $19,565 | $1.14 |
| BMW X1 | $44,000 | $66,321 | $13,264 | $18,920 | $1.11 |
| Infiniti QX50 | $46,000 | $67,898 | $13,580 | $19,780 | $1.13 |
Lexus NX — Common Ownership Questions
What is the Lexus NX 5-year cost of ownership in 2026?
Based on a Popular-trim purchase at $45,000 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 $67,484 — about $13,497 per year — with an estimated $19,350 residual value after 5 years. Use the calculator above to tailor it to your state, down payment, and mileage.
How much does a Lexus NX depreciate each year?
The NX sits in the luxury segment. Applying a segment-average retention curve, it is estimated to keep roughly 82% of its value after the first year and 43% 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 Lexus NX MSRP and which trims are available?
The NX ranges from $40,000 (Base (entry trim)) to $50,000 (Top (fully loaded)). Trims shown: Base (entry trim) ($40,000); Popular (mid trim) ($45,000); Top (fully loaded) ($50,000). Select a trim in the calculator to recompute costs instantly.
What are the Lexus NX real-world fuel costs?
EPA combined rating is 25 MPG (city 22 / highway 28). At the 2026 national average of $4.06/gal and 12,000 miles per year, fuel runs about $1,949 per year, or $9,744 over 5 years.
Does the Lexus NX qualify for any tax credits?
The NX is a hybrid 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 Lexus NX ownership costs compare with rivals?
See the side-by-side comparison table on this page. We model the NX against Audi A4, Acura RDX, BMW X1, Infiniti QX50 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.