Toyota Camry Ownership Cost Calculator 2026
Pre-filled with real Toyota Camry specs. Estimate your Toyota Camry 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 — Toyota Camry
| Year | Start Value | Depreciation | Fuel | Insurance | Maint. | Reg | Loan Pmt | Yr Out-of-Pkt | Cumulative | End Value |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $31,000 | −$4,340 | $1,874 | $1,700 | $900 | $150 | $6,316 | $10,940 | $17,140 | $26,660 |
| 2 | $26,660 | −$3,410 | $1,874 | $1,700 | $900 | $150 | $6,316 | $10,940 | $28,079 | $23,250 |
| 3 | $23,250 | −$3,100 | $1,874 | $1,700 | $900 | $150 | $6,316 | $10,940 | $39,019 | $20,150 |
| 4 | $20,150 | −$2,480 | $1,874 | $1,700 | $900 | $150 | $6,316 | $10,940 | $49,958 | $17,670 |
| 5 | $17,670 | −$2,170 | $1,874 | $1,700 | $900 | $150 | $6,316 | $10,940 | $60,898 | $15,500 |
| 5-yr total | — | −$15,500 | $9,369 | $8,500 | $4,500 | $750 | $31,579 | $60,898 | — | $15,500 |
Combined 26 MPG (EPA). Depreciation uses a midsize-sedan segment-average retention curve (editable). Figures are estimates for planning, not a quote.
Toyota Camry — Base Parameters
Dimensions
- Length192.1 in
- Width72.4 in
- Height56.9 in
- Wheelbase111 in
Toyota spec, 2024 Camry
Powertrain
- Engine2.5L I4 (A25A-FKS)
- DrivetrainFWD
- Fuelgas
- Market years2018-2024
EPA Efficiency
- City22 MPG
- Highway33 MPG
- Combined26 MPG
- Source year2021
Trims & MSRP
- Base (entry trim)$26,000
- Popular (mid trim)$31,000
- Top (fully loaded)$36,000
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 |
|---|---|---|---|---|---|
| Toyota Camry (this car) | $31,000 | $45,398 | $9,080 | $15,500 | $0.76 |
| Hyundai Sonata | $30,500 | $43,789 | $8,758 | $15,250 | $0.73 |
| Honda Accord | $31,500 | $44,508 | $8,902 | $15,750 | $0.74 |
| Nissan Altima | $30,500 | $43,282 | $8,656 | $15,250 | $0.72 |
| Volkswagen Jetta GLI | $32,500 | $45,807 | $9,161 | $16,250 | $0.76 |
Toyota Camry Reliability, Fault Codes & Maintenance Specs
Model-specific diagnostic data for the Toyota Camry (2018-2024 (XV70), 2018-2024): known OBD-II trouble codes, symptom-to-fix mapping, model-year issues, and the factory maintenance specification sheet. Print it and hand it to your technician.
OBD-II fault codes
4 codes logged for this platform, with the cause most often seen on the 2.5L I4 (A25A-FKS).
| Code | Description | Common cause here | Severity |
|---|---|---|---|
| P0171 | System Too Lean (Bank 1) | Dirty MAF sensor, cracked intake boot, or failing PCV valve | Medium |
| P0420 | Catalyst System Efficiency Below Threshold (Bank 1) | Aging catalytic converter or degraded rear O2 sensor | Medium |
| P0351 | Ignition Coil A Primary/Secondary Circuit | Ignition coil pack failure on cylinder 1 | Medium |
| C1201 | Engine Control System Malfunction | Communication fault between ECM and skid control ECU | Low |
Symptoms, causes & fixes
What owners actually report, what it turns out to be, and what the repair involves.
| Symptom | Root cause | Fix | Model years |
|---|---|---|---|
| Cold start engine rattle for 2-3 seconds | VVT-i gear sprocket lock pin wear | Replace VVT gear sprocket assembly; TSB T-SB-0149-19 covers 2018-2019 | 2018-2019 |
| Transmission hesitation between 2nd and 3rd gear | 8-speed automatic learning adaptation not updated | Perform TCM reset and relearn procedure at dealership | 2018-2020 |
| Dashboard panel cracking near defrost vents | UV and heat degradation of dashboard material | Replace dashboard under TSB; use sunshade to prevent recurrence | 2018-2019 |
| AC blowing warm intermittently | AC compressor clutch relay contact wear | Replace compressor relay and test system pressure | 2019-2021 |
Model-year issues
Problems tied to a specific production window rather than the whole generation.
| Years | Issue | Fix | Status |
|---|---|---|---|
| 2018-2019 | VVT-i cold start rattle — sprocket lock pin wears prematurely Reference: T-SB-0149-19 | Replace VVT gear sprocket assembly | Resolved in later build |
| 2018-2020 | 8-speed transmission hesitation and harsh shifts Reference: T-SB-0160-19 | TCM software update and adaptation reset | Resolved in later build |
| 2019-2021 | Dashboard cracking under UV exposure Reference: T-SB-0033-20 | Dashboard panel replacement | Check with dealer |
Common problems owners report
Recurring complaints for this model, summarized from owner-reported fault patterns.
- Brake booster vacuum pump noise in cold weather
- Infotainment screen delamination and touch unresponsiveness
- Fuel pump recall (certain 2019-2020 VINs) — stalling risk
- Rear suspension lower control arm bushing wear at 80k+ miles
Factory maintenance specification sheet
Spec-grade values for the Toyota Camry. Verify against your owner's manual before service.
| Engine oil grade | 0W-20 |
| Oil capacity (with filter) | 4.8 qt |
| Oil change interval | 10,000 mi |
| Spark plug interval | 60,000 mi |
| Tire size | 205/65R16 |
| Tire pressure (cold) | 32 psi |
| Tire rotation interval | 5,000 mi |
| Air filter interval | 30,000 mi |
| Coolant service interval | 60,000 mi |
| Brake fluid interval | 30,000 mi |
| 12V battery group | Group 35 |
| Battery cold-cranking amps | 600 CCA |
Powertrain & drivetrain identity
Confirm your exact configuration before ordering parts or booking service.
| Engine / motor | 2.5L I4 (A25A-FKS) |
| Drivetrain | FWD |
| Body style | Sedan |
| Generation | 2018-2024 (XV70) |
| Market years | 2018-2024 |
| Original MSRP range | $26,000-$36,000 |
| Market | US/CA |
Data sources & methodology
- OBD-II code definitionsSAE J2012 / ISO 15031-6 standardized powertrain diagnostic trouble codes, with platform-specific causes matched against the model in this dataset. Retrieved August 29, 2026.
- Fuel economy & MPGeU.S. Environmental Protection Agency fuel-economy data (fueleconomy.gov), model-year matched where available. Retrieved August 29, 2026.
- Maintenance specificationsFactory scheduled-maintenance intervals, fluid grades, tire sizes, and battery group sizes compiled per model. Retrieved August 29, 2026.
- Defects, recalls & technical service bulletinsNational Highway Traffic Safety Administration (NHTSA) defect and recall records. Retrieved August 29, 2026.
Methodology and citations are maintained by the VehCalc editorial team. Where an official schedule is not yet loaded, results are shown as model estimates and the source is stated as a reference.
Toyota Camry — Common Ownership Questions
What is the Toyota Camry 5-year cost of ownership in 2026?
Based on a Popular-trim purchase at $31,000 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 $45,398 — about $9,080 per year — with an estimated $15,500 residual value after 5 years. Use the calculator above to tailor it to your state, down payment, and mileage.
How much does a Toyota Camry depreciate each year?
The Camry sits in the midsize-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 Toyota Camry MSRP and which trims are available?
The Camry ranges from $26,000 (Base (entry trim)) to $36,000 (Top (fully loaded)). Trims shown: Base (entry trim) ($26,000); Popular (mid trim) ($31,000); Top (fully loaded) ($36,000). Select a trim in the calculator to recompute costs instantly.
What are the Toyota Camry real-world fuel costs?
EPA combined rating is 26 MPG (city 22 / highway 33). At the 2026 national average of $4.06/gal and 12,000 miles per year, fuel runs about $1,874 per year, or $9,369 over 5 years.
Does the Toyota Camry qualify for any tax credits?
The Camry 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 Toyota Camry ownership costs compare with rivals?
See the side-by-side comparison table on this page. We model the Camry against Hyundai Sonata, Honda Accord, Nissan Altima, Volkswagen Jetta GLI 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.
What are the most common Toyota Camry problems?
Owners of the Toyota Camry (2018-2024) most often report: Brake booster vacuum pump noise in cold weather; Infotainment screen delamination and touch unresponsiveness; Fuel pump recall (certain 2019-2020 VINs) — stalling risk; Rear suspension lower control arm bushing wear at 80k+ miles. Each is broken down with its root cause and the repair path in the reliability section above.
Which OBD-II codes does the Toyota Camry throw most often?
The codes logged most frequently for this platform are P0171 (System Too Lean (Bank 1)), P0420 (Catalyst System Efficiency Below Threshold (Bank 1)), P0351 (Ignition Coil A Primary/Secondary Circuit). The full list with the cause usually found on the 2.5L I4 (A25A-FKS) and a low/medium/high severity rating is in the fault-code table above.
Why does my Toyota Camry cold start engine rattle for 2-3 seconds?
On this model the usual cause is vVT-i gear sprocket lock pin wear. The typical repair is replace VVT gear sprocket assembly; TSB T-SB-0149-19 covers 2018-2019 (reported on 2018-2019 cars). The symptoms table above lists every reported fault for this platform.
Are there model-year-specific Toyota Camry issues I should check before buying used?
Yes — 2018-2019 cars are associated with vVT-i cold start rattle — sprocket lock pin wears prematurely (reference T-SB-0149-19). Recommended action: replace VVT gear sprocket assembly Later builds were corrected. The model-year table above lists all known production-window issues.
What are the Toyota Camry service intervals and fluid specs?
Factory spec is 0W-20 oil (4.8 qt) changed every 10,000 miles, 205/65R16 tires at 32 psi cold rotated every 5,000 miles, air filter every 30,000 miles, coolant every 60,000 miles, spark plugs every 60,000 miles, and a group 35 battery at 600 CCA. The full spec sheet is above and printable.