Subaru Legacy Ownership Cost Calculator 2026
Pre-filled with real Subaru Legacy specs. Estimate your Subaru Legacy 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 — Subaru Legacy
| Year | Start Value | Depreciation | Fuel | Insurance | Maint. | Reg | Loan Pmt | Yr Out-of-Pkt | Cumulative | End Value |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $29,000 | −$4,060 | $1,624 | $1,500 | $850 | $150 | $5,908 | $10,032 | $15,832 | $24,940 |
| 2 | $24,940 | −$3,190 | $1,624 | $1,500 | $850 | $150 | $5,908 | $10,032 | $25,865 | $21,750 |
| 3 | $21,750 | −$2,900 | $1,624 | $1,500 | $850 | $150 | $5,908 | $10,032 | $35,897 | $18,850 |
| 4 | $18,850 | −$2,320 | $1,624 | $1,500 | $850 | $150 | $5,908 | $10,032 | $45,929 | $16,530 |
| 5 | $16,530 | −$2,030 | $1,624 | $1,500 | $850 | $150 | $5,908 | $10,032 | $55,961 | $14,500 |
| 5-yr total | — | −$14,500 | $8,120 | $7,500 | $4,250 | $750 | $29,541 | $55,961 | — | $14,500 |
Combined 30 MPG (EPA). Depreciation uses a compact-sedan segment-average retention curve (editable). Figures are estimates for planning, not a quote.
Subaru Legacy — Base Parameters
Powertrain
- Engine2.5L H4 (FB25D)
- DrivetrainAWD
- Fuelgas
- Market years2020-2024
EPA Efficiency
- City27 MPG
- Highway35 MPG
- Combined30 MPG
- Source year2021
Trims & MSRP
- Base (entry trim)$24,000
- Popular (mid trim)$29,000
- Top (fully loaded)$34,000
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 |
|---|---|---|---|---|---|
| Subaru Legacy (this car) | $29,000 | $41,461 | $8,292 | $14,500 | $0.69 |
| Chevrolet Malibu | $29,000 | $40,954 | $8,191 | $14,500 | $0.68 |
| Kia K5 | $29,500 | $41,313 | $8,263 | $14,750 | $0.69 |
| Honda Civic Si | $29,500 | $41,313 | $8,263 | $14,750 | $0.69 |
| Mazda Mazda3 | $27,500 | $40,121 | $8,024 | $13,750 | $0.67 |
Subaru Legacy — Common Ownership Questions
What is the Subaru Legacy 5-year cost of ownership in 2026?
Based on a Popular-trim purchase at $29,000 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 $41,461 — about $8,292 per year — with an estimated $14,500 residual value after 5 years. Use the calculator above to tailor it to your state, down payment, and mileage.
How much does a Subaru Legacy depreciate each year?
The Legacy 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 Subaru Legacy MSRP and which trims are available?
The Legacy ranges from $24,000 (Base (entry trim)) to $34,000 (Top (fully loaded)). Trims shown: Base (entry trim) ($24,000); Popular (mid trim) ($29,000); Top (fully loaded) ($34,000). Select a trim in the calculator to recompute costs instantly.
What are the Subaru Legacy real-world fuel costs?
EPA combined rating is 30 MPG (city 27 / highway 35). At the 2026 national average of $4.06/gal and 12,000 miles per year, fuel runs about $1,624 per year, or $8,120 over 5 years.
Does the Subaru Legacy qualify for any tax credits?
The Legacy 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 Subaru Legacy ownership costs compare with rivals?
See the side-by-side comparison table on this page. We model the Legacy against Chevrolet Malibu, Kia K5, Honda Civic Si, Mazda Mazda3 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.