Ford F-150 Cost to Own

Name: Ford F-150 5-year cost to own
Creator: CarWhere Research
License: https://creativecommons.org/licenses/by/4.0/

By CarWhere Research · Updated November 6, 2026

A 2026 Ford F-150 costs about $57,166 over 5 years and 75,000 miles in depreciation, fuel and insurance. Depreciation is the biggest share at $34,363 (51.8% of the median new price); fuel $16,393 and national-average insurance $6,410 make up the rest. Scheduled maintenance, repairs and registration fees come on top.

5-year total

$57,166

depreciation + fuel + insurance

Depreciation

$34,363

51.8% of new price

Fuel

$16,393

$3,279/yr

Insurance

$6,410

national average

5-year cost-to-own breakdown

Assumptions: 5 years, 15,000 miles a year (75,000 total), bought new. Every line shows its formula and source.

Ford F-150: 5-year cost lines
Line	5 years	Per year	How it’s calculated	Source
Depreciation	$34,363	$6,873	$66,338 median new price (2026) × 51.8% below new for 5-year-old (2021) listings	CarWhere depreciation study
Fuel	$16,393	$3,279	75,000 mi ÷ 19 MPG × $4.153/gal regular (median of 8 EPA versions)	EPA × EIA November 2, 2026
Insurance	$6,410	$1,282	U.S. average expenditure per insured car (2023) × 5 years. Not specific to the F-150.	NAIC, by state
Scheduled maintenance	Not priced	—	Intervals and items from the Ford schedule below. No manufacturer-published service prices.	Ford schedule
Registration and fees	Varies by state	—	State registration, title and taxes.	State title guides
Total	$57,166	$11,433	Depreciation + fuel + national-average insurance. Maintenance, repairs and fees not included.

Depreciation

New F-150s list for a median $66,338 (105,025 listings). In CarWhere’s used-market study, 2021 models (5 years old) list 51.8% below that, so a F-150 loses about $34,363 in its first five years.

Model years used
Model year	Age	Median listing	Below new	Listings
2021	5	$31,977	51.8%	6,320

Fuel

The EPA rates the 2026 F-150 at 19 MPG combined; 17–21 MPG across 8 EPA-listed versions. At $4.153/gal regular (EIA, week of November 2, 2026), 75,000 miles cost about $16,393, or $3,279 a year. The hybrid version (23.5 MPG) works out to about $13,260 over the same miles.

EPA versions included: F150 Pickup 2WD, F150 Pickup 4WD, F150 Pickup Tremor 4WD.

Insurance

Insurance varies by driver, location and coverage. Across all insured cars, U.S. drivers spent an average of $1,282 a year in 2023 (NAIC); see car insurance cost by state for your state’s average.

Is the F-150 expensive to maintain?

Ford's published oil-change interval: condition-based: Intelligent Oil-Life Monitor shows a message when an oil change is due; do it within two weeks or 500 mi of the message. We list the schedule rather than a dollar figure because Ford doesn't publish service prices.

For repair patterns owners report, see F-150 known issues.

Oil changes

Normal: Condition-based: Intelligent Oil-Life Monitor shows a message when an oil change is due; do it within two weeks or 500 mi of the message. Never exceed 1 year or 10,000 mi between oil changes. If the monitor resets early or fails, change at 6 months or 5,000 mi.

Severe or special conditions: Same monitor; it shortens the interval with severe use (short trips under 5–10 mi, extreme temperatures, dust, extended idling, heavy loads/towing). Ford gives no separate fixed severe mileage for oil.

Oil: Explorer: Motorcraft SAE 5W-30 meeting WSS-M2C971-A1 (2.3L EcoBoost and 3.0L); SAE 0W-30 (WSS-M2C973-A1) alternative in extreme cold

Source: Ford Explorer Owner's Manual (edition July 2025, file labeled 2026) — Scheduled Maintenance

Ford scheduled maintenance (manufacturer schedule; items paraphrased)
Interval	Items	Source
Every oil change (per Intelligent Oil-Life Monitor, max 1 yr/10,000 mi)	Change engine oil and filter Rotate tires Multi-point inspection (recommended) Inspect brakes, cooling system, exhaust, axles/U-joints, half-shaft boots, steering/suspension, tires and wheels Inspect cabin and engine air filters	Ford Explorer Owner's Manual (edition July 2025, file labeled 2026) — Scheduled Maintenance
Every 3 years	Change brake fluid	Ford Explorer Owner's Manual (edition July 2025, file labeled 2026) — Scheduled Maintenance
Every 20,000 miles	Replace cabin air filter	Ford Explorer Owner's Manual (edition July 2025, file labeled 2026) — Scheduled Maintenance
Every 30,000 miles	Replace engine air filter	Ford Explorer Owner's Manual (edition July 2025, file labeled 2026) — Scheduled Maintenance
Every 60,000 miles (severe service)	Replace spark plugs	Ford Explorer Owner's Manual (edition July 2025, file labeled 2026) — Scheduled Maintenance
Every 100,000 miles	Replace spark plugs (normal service) Inspect accessory drive belt(s), then every other oil change	Ford Explorer Owner's Manual (edition July 2025, file labeled 2026) — Scheduled Maintenance
Every 150,000 miles	Change automatic transmission fluid Replace accessory drive belt(s) if not replaced in last 100,000 mi	Ford Explorer Owner's Manual (edition July 2025, file labeled 2026) — Scheduled Maintenance
At 200,000 miles or 10 years	First engine coolant change, then every 5 years / 100,000 mi	Ford Explorer Owner's Manual (edition July 2025, file labeled 2026) — Scheduled Maintenance
No scheduled interval	Transfer case and front/rear axles need no scheduled service unless submerged, leaking, or used in extended severe duty	Ford Explorer Owner's Manual (edition July 2025, file labeled 2026) — Scheduled Maintenance

More F-150 research

Frequently asked questions

How much does it cost to own a Ford F-150?

Is the F-150 expensive to maintain?

Is the F-150 expensive to insure?

Insurance varies by driver, location and coverage, and CarWhere doesn't publish model-specific premiums. Across all insured cars, U.S. drivers spent an average of $1,282 a year (NAIC, 2023), or $6,410 over 5 years; our state-by-state study shows the average where you live.

How much does a F-150 depreciate in 5 years?

In CarWhere's used-market study, 5-year-old F-150s (model year 2021) list for 51.8% below the median new price of $66,338, about $34,363 of lost value.

How much does a F-150 cost to fuel per year?

About $3,279 a year at 15,000 miles, based on the EPA rating of 19 MPG combined; 17–21 MPG across 8 EPA-listed versions and $4.153/gal regular (EIA, week of November 2, 2026). The hybrid version (23.5 MPG) works out to about $2,652 a year.

Sources and method

Formula: 5-year total = depreciation (median new price × % below new at age 5) + fuel (75,000 mi ÷ EPA combined MPG × EIA national price, or kWh/100 mi × EIA residential rate for EVs) + insurance (NAIC national average expenditure × 5). Lines without a citable source are left blank.

CarWhere car depreciation by model study — CarWhere Research (data as of 2026-10-25)
Fuel economy data (vehicles.csv) — U.S. EPA / DOE, fueleconomy.gov
Weekly U.S. retail gasoline and diesel prices — U.S. Energy Information Administration (week of November 2, 2026)
Auto Insurance Database Report (average expenditure) — NAIC, via CarWhere state study (2023 data)
Ford Explorer Owner's Manual (edition July 2025, file labeled 2026) — Scheduled Maintenance — Ford (opened 2026-11-06)
Ford — What is the Intelligent Oil-Life Monitor System? — Ford (opened 2026-11-06)
Ford Protect — FAQ (paid maintenance plans) — Ford (opened 2026-11-06)