VEHICLE COST ESTIMATE

2026 Hyundai Santa Cruz: 5-Year Cost of Ownership

An estimate of what a 2026 Hyundai Santa Cruz typically costs to own over 5 years, based on a real $35,749 market price and 25 MPG combined.

Pricing data refreshed monthly · last updated September 2026

$38,710

$645per month, averaged

$0.65per mile

Where the money goes

Depreciation$15,565

Fuel$8,400

Insurance$8,750

Maintenance$3,750

Taxes & fees$2,245

Purchase price is a real median market figure from MarketCheck (pulled September 2026). This nameplate has no valid 5-year-old resale comparable right now, so resale value uses our Truck-class depreciation curve instead. Insurance and maintenance use published class averages described on our methodology page.

How it compares

The 2026 Hyundai Santa Cruz ranks #2 of 14 trucks in our database for lowest 5-year cost — $10,832 less than the average truck in our database ($49,543). Here’s how it stacks up against similarly priced rivals:

2026 Ford Maverick

$38,3825-year total · $640/mo · $36,342 market priceFull breakdown →

2026 Ford Ranger

$43,0435-year total · $717/mo · $44,561 market priceFull breakdown →

2026 Nissan Frontier

$44,2295-year total · $737/mo · $43,659 market priceFull breakdown →

2026 Chevrolet Colorado

$47,1855-year total · $786/mo · $44,908 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 Hyundai Santa Cruz by about $7,642 depending on where you live.

Cheapest states

Most expensive states

Quick answers

How much does a 2026 Hyundai Santa Cruz cost per month to own?

About $645 a month averaged over 5 years, or $38,710 in total. That covers depreciation, fuel, insurance, maintenance, and sales tax and fees, but not loan interest.

How much value does a 2026 Hyundai Santa Cruz lose in 5 years?

About $15,565, or 44% of its $35,749 market price. That uses our Truck-class depreciation curve.

How much does a 2026 Hyundai Santa Cruz cost to fuel?

At 25 MPG combined, 12,000 miles a year and $3.50/gallon, fuel costs about $1,680 a year ($140/month).

Is a 2026 Hyundai Santa Cruz cheap to own compared with other trucks?

It ranks #2 of 14 for lowest 5-year cost among the trucks we track, costing $10,832 less than the average truck in our database ($49,543). It works out to about $0.65 per mile driven.

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