Mazda CX-5 Ownership Cost Calculator 2026
Pre-filled with real Mazda CX-5 specs. Estimate your Mazda CX-5 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 — Mazda CX-5
| Year | Start Value | Depreciation | Fuel | Insurance | Maint. | Reg | Loan Pmt | Yr Out-of-Pkt | Cumulative | End Value |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $34,000 | −$4,760 | $1,740 | $1,900 | $950 | $150 | $6,927 | $11,667 | $18,467 | $29,240 |
| 2 | $29,240 | −$3,740 | $1,740 | $1,900 | $950 | $150 | $6,927 | $11,667 | $30,134 | $25,500 |
| 3 | $25,500 | −$3,400 | $1,740 | $1,900 | $950 | $150 | $6,927 | $11,667 | $41,801 | $22,100 |
| 4 | $22,100 | −$2,720 | $1,740 | $1,900 | $950 | $150 | $6,927 | $11,667 | $53,468 | $19,380 |
| 5 | $19,380 | −$2,380 | $1,740 | $1,900 | $950 | $150 | $6,927 | $11,667 | $65,135 | $17,000 |
| 5-yr total | — | −$17,000 | $8,700 | $9,500 | $4,750 | $750 | $34,635 | $65,135 | — | $17,000 |
Combined 28 MPG (EPA). Depreciation uses a midsize-suv segment-average retention curve (editable). Figures are estimates for planning, not a quote.
Mazda CX-5 — Base Parameters
Powertrain
- Engine2.5L I4 (Skyactiv-G)
- DrivetrainAWD
- Fuelgas
- Market years2017-2024
EPA Efficiency
- City25 MPG
- Highway31 MPG
- Combined28 MPG
- Source year2021
Trims & MSRP
- Base (entry trim)$28,000
- Popular (mid trim)$34,000
- Top (fully loaded)$40,000
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 |
|---|---|---|---|---|---|
| Mazda CX-5 (this car) | $34,000 | $48,135 | $9,627 | $17,000 | $0.80 |
| GMC Terrain | $34,000 | $48,457 | $9,691 | $17,000 | $0.81 |
| Kia Niro | $34,000 | $44,406 | $8,881 | $17,000 | $0.74 |
| Mazda CX-50 | $34,000 | $48,457 | $9,691 | $17,000 | $0.81 |
| Jeep Cherokee | $34,000 | $48,804 | $9,761 | $17,000 | $0.81 |
Mazda CX-5 — Common Ownership Questions
What is the Mazda CX-5 5-year cost of ownership in 2026?
Based on a Popular-trim purchase at $34,000 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 $48,135 — about $9,627 per year — with an estimated $17,000 residual value after 5 years. Use the calculator above to tailor it to your state, down payment, and mileage.
How much does a Mazda CX-5 depreciate each year?
The CX-5 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 Mazda CX-5 MSRP and which trims are available?
The CX-5 ranges from $28,000 (Base (entry trim)) to $40,000 (Top (fully loaded)). Trims shown: Base (entry trim) ($28,000); Popular (mid trim) ($34,000); Top (fully loaded) ($40,000). Select a trim in the calculator to recompute costs instantly.
What are the Mazda CX-5 real-world fuel costs?
EPA combined rating is 28 MPG (city 25 / highway 31). At the 2026 national average of $4.06/gal and 12,000 miles per year, fuel runs about $1,740 per year, or $8,700 over 5 years.
Does the Mazda CX-5 qualify for any tax credits?
The CX-5 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 Mazda CX-5 ownership costs compare with rivals?
See the side-by-side comparison table on this page. We model the CX-5 against GMC Terrain, Kia Niro, Mazda CX-50, Jeep Cherokee 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.