2026 Lincoln Navigator: 5-Year Cost of Ownership

An estimate of what a 2026 Lincoln Navigator typically costs to own over 5 years, based on a real $111,468 market price and 18 MPG combined.

Pricing data refreshed monthly · last updated September 2026

Where the money goes

How it compares

The 2026 Lincoln Navigator ranks #38 of 38 luxury vehicles in our database for lowest 5-year cost — $37,940 more than the average luxury vehicle in our database ($70,172). Here’s how it stacks up against similarly priced rivals:

Where it costs the least to own

Gas prices, insurance rates, sales tax and registration fees change the 5-year cost of a 2026 Lincoln Navigator by about $14,995 depending on where you live.

Cheapest states

Most expensive states

Quick answers

How much does a 2026 Lincoln Navigator cost per month to own?

About $1,802 a month averaged over 5 years, or $108,113 in total. That covers depreciation, fuel, insurance, maintenance, and sales tax and fees, but not loan interest.

How much value does a 2026 Lincoln Navigator lose in 5 years?

About $72,358, or 65% of its $111,468 market price. That’s based on what real 5-year-old examples sell for today.

How much does a 2026 Lincoln Navigator cost to fuel?

At 18 MPG combined, 12,000 miles a year and $3.50/gallon, fuel costs about $2,333 a year ($194/month).

Is a 2026 Lincoln Navigator cheap to own compared with other luxury vehicles?

It ranks #38 of 38 for lowest 5-year cost among the luxury vehicles we track, costing $37,940 more than the average luxury vehicle in our database ($70,172). It works out to about $1.80 per mile driven.

Get your exact estimate

Enter your own ZIP code, mileage and ownership period — or decode your exact VIN — in the interactive calculator for a personalized number.