Nissan Versa Ownership Cost Calculator 2026
Pre-filled with real Nissan Versa specs. Estimate your Nissan Versa 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 — Nissan Versa
| Year | Start Value | Depreciation | Fuel | Insurance | Maint. | Reg | Loan Pmt | Yr Out-of-Pkt | Cumulative | End Value |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $18,000 | −$2,520 | $1,392 | $1,500 | $850 | $150 | $3,667 | $7,559 | $11,159 | $15,480 |
| 2 | $15,480 | −$1,980 | $1,392 | $1,500 | $850 | $150 | $3,667 | $7,559 | $18,718 | $13,500 |
| 3 | $13,500 | −$1,800 | $1,392 | $1,500 | $850 | $150 | $3,667 | $7,559 | $26,278 | $11,700 |
| 4 | $11,700 | −$1,440 | $1,392 | $1,500 | $850 | $150 | $3,667 | $7,559 | $33,837 | $10,260 |
| 5 | $10,260 | −$1,260 | $1,392 | $1,500 | $850 | $150 | $3,667 | $7,559 | $41,396 | $9,000 |
| 5-yr total | — | −$9,000 | $6,960 | $7,500 | $4,250 | $750 | $18,336 | $41,396 | — | $9,000 |
Combined 35 MPG (EPA). Depreciation uses a compact-sedan segment-average retention curve (editable). Figures are estimates for planning, not a quote.
Nissan Versa — Base Parameters
Powertrain
- Engine1.6L I4 (HR16DE)
- DrivetrainFWD
- Fuelgas
- Market years2020-2024
EPA Efficiency
- City32 MPG
- Highway40 MPG
- Combined35 MPG
- Source year2021
Trims & MSRP
- Base (entry trim)$16,000
- Popular (mid trim)$18,000
- Top (fully loaded)$20,000
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 |
|---|---|---|---|---|---|
| Nissan Versa (this car) | $18,000 | $32,396 | $6,479 | $9,000 | $0.54 |
| Kia Rio | $19,500 | $33,281 | $6,656 | $9,750 | $0.55 |
| Nissan Sentra | $22,500 | $36,052 | $7,210 | $11,250 | $0.60 |
| Kia Forte | $23,000 | $37,149 | $7,430 | $11,500 | $0.62 |
| Hyundai Elantra | $23,500 | $36,349 | $7,270 | $11,750 | $0.61 |
Nissan Versa — Common Ownership Questions
What is the Nissan Versa 5-year cost of ownership in 2026?
Based on a Popular-trim purchase at $18,000 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 $32,396 — about $6,479 per year — with an estimated $9,000 residual value after 5 years. Use the calculator above to tailor it to your state, down payment, and mileage.
How much does a Nissan Versa depreciate each year?
The Versa sits in the compact-sedan 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 Nissan Versa MSRP and which trims are available?
The Versa ranges from $16,000 (Base (entry trim)) to $20,000 (Top (fully loaded)). Trims shown: Base (entry trim) ($16,000); Popular (mid trim) ($18,000); Top (fully loaded) ($20,000). Select a trim in the calculator to recompute costs instantly.
What are the Nissan Versa real-world fuel costs?
EPA combined rating is 35 MPG (city 32 / highway 40). At the 2026 national average of $4.06/gal and 12,000 miles per year, fuel runs about $1,392 per year, or $6,960 over 5 years.
Does the Nissan Versa qualify for any tax credits?
The Versa 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 Nissan Versa ownership costs compare with rivals?
See the side-by-side comparison table on this page. We model the Versa against Kia Rio, Nissan Sentra, Kia Forte, Hyundai Elantra 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.