Cheapest Luxury Vehicles to Own (5-Year Ranking)
The 10 luxury vehicles with the lowest real 5-year total cost of ownership in our database, ranked cheapest first — for buyers who want premium features without the steepest depreciation.
#1 — 2026 Cadillac XT4
$50,7135-year estimate · $845/mo · Luxury · real avg. price $45,180Full breakdown →#2 — 2026 Lexus NX
$52,7745-year estimate · $880/mo · Luxury · real avg. price $53,403Full breakdown →#3 — 2026 Acura RDX
$52,7915-year estimate · $880/mo · Luxury · real avg. price $51,678Full breakdown →#4 — 2026 Volvo XC40
$55,3485-year estimate · $922/mo · Luxury · real avg. price $50,632Full breakdown →#5 — 2026 Lexus RX
$55,4445-year estimate · $924/mo · Luxury · real avg. price $61,975Full breakdown →#6 — 2026 BMW X1
$56,5795-year estimate · $943/mo · Luxury · real avg. price $49,932Full breakdown →#7 — 2026 Audi Q3
$56,7005-year estimate · $945/mo · Luxury · real avg. price $49,929Full breakdown →#8 — 2026 Infiniti QX50
$57,1515-year estimate · $953/mo · Luxury · real avg. price $49,338Full breakdown →#9 — 2026 BMW 3 Series
$58,6105-year estimate · $977/mo · Luxury · real avg. price $56,634Full breakdown →#10 — 2026 Cadillac CT5
$59,3755-year estimate · $990/mo · Luxury · real avg. price $57,644Full breakdown →Ranked using real market pricing across our 152-vehicle database. See the full methodology on how these numbers are calculated.
See the full methodology →