2026 BMW X1: 5-Year Cost of Ownership
An estimate of what a 2026 BMW X1 typically costs to own over 5 years, based on a real $49,932 market price and 29 MPG combined.
Pricing data refreshed monthly · last updated September 2026
Where the money goes
How it compares
The 2026 BMW X1 ranks #6 of 38 luxury vehicles in our database for lowest 5-year cost — $13,593 less than the average luxury vehicle in our database ($70,172). Here’s how it stacks up against similarly priced rivals:
2026 Acura RDX
$52,7915-year total · $880/mo · $51,678 market priceFull breakdown →2026 Volvo XC40
$55,3485-year total · $922/mo · $50,632 market priceFull breakdown →2026 Audi Q3
$56,7005-year total · $945/mo · $49,929 market priceFull breakdown →2026 Infiniti QX50
$57,1515-year total · $953/mo · $49,338 market priceFull breakdown →Where it costs the least to own
Gas prices, insurance rates, sales tax and registration fees change the 5-year cost of a 2026 BMW X1 by about $9,026 depending on where you live.
Cheapest states
Most expensive states
Quick answers
How much does a 2026 BMW X1 cost per month to own?
About $943 a month averaged over 5 years, or $56,579 in total. That covers depreciation, fuel, insurance, maintenance, and sales tax and fees, but not loan interest.
How much value does a 2026 BMW X1 lose in 5 years?
About $28,942, or 58% of its $49,932 market price. That’s based on what real 5-year-old examples sell for today.
How much does a 2026 BMW X1 cost to fuel?
At 29 MPG combined, 12,000 miles a year and $3.50/gallon, fuel costs about $1,448 a year ($121/month).
Is a 2026 BMW X1 cheap to own compared with other luxury vehicles?
It ranks #6 of 38 for lowest 5-year cost among the luxury vehicles we track, costing $13,593 less than the average luxury vehicle in our database ($70,172). It works out to about $0.94 per mile driven.
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