Mazda MX-5 Miata Ownership Cost Calculator 2026
Pre-filled with real Mazda MX-5 Miata specs. Estimate your Mazda MX-5 Miata 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 MX-5 Miata
| Year | Start Value | Depreciation | Fuel | Insurance | Maint. | Reg | Loan Pmt | Yr Out-of-Pkt | Cumulative | End Value |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $33,500 | −$5,025 | $1,680 | $3,500 | $1,600 | $150 | $6,825 | $13,755 | $20,455 | $28,475 |
| 2 | $28,475 | −$3,015 | $1,680 | $3,500 | $1,600 | $150 | $6,825 | $13,755 | $34,210 | $25,460 |
| 3 | $25,460 | −$3,015 | $1,680 | $3,500 | $1,600 | $150 | $6,825 | $13,755 | $47,965 | $22,445 |
| 4 | $22,445 | −$2,680 | $1,680 | $3,500 | $1,600 | $150 | $6,825 | $13,755 | $61,720 | $19,765 |
| 5 | $19,765 | −$2,345 | $1,680 | $3,500 | $1,600 | $150 | $6,825 | $13,755 | $75,475 | $17,420 |
| 5-yr total | — | −$16,080 | $8,400 | $17,500 | $8,000 | $750 | $34,125 | $75,475 | — | $17,420 |
Combined 29 MPG (EPA). Depreciation uses a sports segment-average retention curve (editable). Figures are estimates for planning, not a quote.
Mazda MX-5 Miata — Base Parameters
Powertrain
- Engine2.0L I4 (Skyactiv-G)
- DrivetrainRWD
- Fuelgas
- Market years2019-2024
EPA Efficiency
- City26 MPG
- Highway34 MPG
- Combined29 MPG
- Source year2021
Trims & MSRP
- Base (entry trim)$29,000
- Popular (mid trim)$33,500
- Top (fully loaded)$38,000
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 MX-5 Miata (this car) | $33,500 | $58,055 | $11,611 | $17,420 | $0.97 |
| Ford Mustang EcoBoost | $33,000 | $59,456 | $11,891 | $17,160 | $0.99 |
| Subaru BRZ | $31,000 | $58,981 | $11,796 | $16,120 | $0.98 |
| Toyota GR86 | $30,000 | $56,954 | $11,391 | $15,600 | $0.95 |
| Ford Mustang | $41,500 | $65,395 | $13,079 | $21,580 | $1.09 |
Mazda MX-5 Miata — Common Ownership Questions
What is the Mazda MX-5 Miata 5-year cost of ownership in 2026?
Based on a Popular-trim purchase at $33,500 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 $58,055 — about $11,611 per year — with an estimated $17,420 residual value after 5 years. Use the calculator above to tailor it to your state, down payment, and mileage.
How much does a Mazda MX-5 Miata depreciate each year?
The MX-5 Miata sits in the sports segment. Applying a segment-average retention curve, it is estimated to keep roughly 85% of its value after the first year and 52% 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 MX-5 Miata MSRP and which trims are available?
The MX-5 Miata ranges from $29,000 (Base (entry trim)) to $38,000 (Top (fully loaded)). Trims shown: Base (entry trim) ($29,000); Popular (mid trim) ($33,500); Top (fully loaded) ($38,000). Select a trim in the calculator to recompute costs instantly.
What are the Mazda MX-5 Miata real-world fuel costs?
EPA combined rating is 29 MPG (city 26 / highway 34). At the 2026 national average of $4.06/gal and 12,000 miles per year, fuel runs about $1,680 per year, or $8,400 over 5 years.
Does the Mazda MX-5 Miata qualify for any tax credits?
The MX-5 Miata 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 MX-5 Miata ownership costs compare with rivals?
See the side-by-side comparison table on this page. We model the MX-5 Miata against Ford Mustang EcoBoost, Subaru BRZ, Toyota GR86, Ford Mustang 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.