Hyundai Tucson Cost to Own
By CarWhere Research · Updated
A 2026 Hyundai Tucson costs about $36,307 over 5 years and 75,000 miles in depreciation, fuel and insurance. Depreciation is the biggest share at $18,345 (51.2% of the median new price); fuel $11,552 and national-average insurance $6,410 make up the rest. Scheduled maintenance, repairs and registration fees come on top.
5-year total
$36,307
depreciation + fuel + insurance
Depreciation
$18,345
51.2% of new price
Fuel
$11,552
$2,310/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.
| Line | 5 years | Per year | How it’s calculated | Source |
|---|---|---|---|---|
| Depreciation | $18,345 | $3,669 | $35,830 median new price (2026) × 51.2% below new for 5-year-old (2021) listings | CarWhere depreciation study |
| Fuel | $11,552 | $2,310 | 75,000 mi ÷ 27 MPG × $4.153/gal regular (median of 2 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 Tucson. | NAIC, by state |
| Scheduled maintenance | See note | — | Hyundai Complimentary Maintenance (HCM) (3 years or 36,000 miles) is included; beyond its terms, the Hyundai schedule below applies. No manufacturer-published service prices. | Hyundai schedule |
| Registration and fees | Varies by state | — | State registration, title and taxes. | State title guides |
| Total | $36,307 | $7,261 | Depreciation + fuel + national-average insurance. Maintenance, repairs and fees not included. | |
Depreciation
New Tucsons list for a median $35,830 (45,243 listings). In CarWhere’s used-market study, 2021 models (5 years old) list 51.2% below that, so a Tucson loses about $18,345 in its first five years.
| Model year | Age | Median listing | Below new | Listings |
|---|---|---|---|---|
| 2021 | 5 | $17,499 | 51.2% | 711 |
Fuel
The EPA rates the 2026 Tucson at 27 MPG combined; 26–28 MPG across 2 EPA-listed versions. At $4.153/gal regular (EIA, week of November 2, 2026), 75,000 miles cost about $11,552, or $2,310 a year. The hybrid version (38 MPG) works out to about $8,197 over the same miles.
EPA versions included: Tucson AWD, Tucson FWD.
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 Tucson expensive to maintain?
Hyundai's published oil-change interval: 8,000 miles or 12 months. Hyundai Complimentary Maintenance (HCM): 3 years or 36,000 miles. For the Tucson: 2026 manual: oil 8,000 mi/12 mo, SAE 0W-20, full synthetic; spark plugs every 96,000 miles. We list the schedule rather than a dollar figure because Hyundai doesn't publish service prices.
For repair patterns owners report, see Tucson known issues.
Hyundai Complimentary Maintenance (HCM)
Term: 3 years or 36,000 miles, whichever comes first. Hyundai's pages list new 2020–2025 model years; 2026 terms are not stated on the pages opened.
Covers: For MY2025, four basic services within 3 years/36,000 miles, each with Hyundai-approved oil and filter change (not for EVs/FCEVs), tire rotation and a multi-point inspection. Air filters, cabin filter, wipers, brake pads, severe-schedule extras and 'inspect' items are excluded. It goes to the original owner only (spouse transfer allowed) at authorized Hyundai dealers, and each service must be within 1,000 miles or 1 month of the Owner's Manual interval.
Source: Hyundai Complimentary Maintenance (hyundaiusa.com Assurance)
Oil changes
Normal: 8,000 miles or 12 months
Severe or special conditions: 5,000 miles or 6 months (short trips, extensive idling, dusty/rough or salted roads, heavy traffic, mountain driving, towing, commercial use, frequent high speed or stop-and-go, or non-recommended oil)
Oil: API SN PLUS (or higher) full synthetic required for the normal interval. SAE 0W-20 for Palisade 3.5L, Tucson and Elantra 2.0L; SAE 0W-30 for Santa Fe 2.5T. With lower-grade oil, follow the severe schedule.
The Elantra manual also has an Oil Life Management System and says to use the severe schedule after 10 years or 100,000 miles.
| Interval | Items | Source |
|---|---|---|
| Every 8,000 miles or 12 months |
| 2026 Hyundai Tucson Owner's Manual (full PDF) |
| Every 16,000 miles or 24 months |
| 2026 Hyundai Tucson Owner's Manual (full PDF) |
| Every 24,000 miles or 36 months |
| 2026 Hyundai Tucson Owner's Manual (full PDF) |
| 48,000 miles or 48 months |
| 2026 Hyundai Tucson Owner's Manual (full PDF) |
| Spark plugs |
| 2026 Hyundai Elantra Owner's Manual (full PDF) |
| 120,000 miles or 120 months (first) |
| 2026 Hyundai Tucson Owner's Manual (full PDF) |
| Automatic transmission / IVT fluid |
| 2026 Hyundai Tucson Owner's Manual (full PDF) |
| AWD transfer case and rear differential |
| 2026 Hyundai Tucson Owner's Manual (full PDF) |
Tucson-specific notes
- 2026 manual: oil 8,000 mi/12 mo, SAE 0W-20, full synthetic
- Spark plugs every 96,000 miles
- Severe ATF every 60,000 miles
Prices the manufacturer publishes
- Hyundai Complimentary Maintenance scheduled services: NO COST (service.hyundaiusa.com wording) (Hyundai Complimentary Maintenance (service.hyundaiusa.com))
More Tucson research
Frequently asked questions
How much does it cost to own a Hyundai Tucson?
A 2026 Hyundai Tucson costs about $36,307 over 5 years and 75,000 miles in depreciation, fuel and insurance. Depreciation is the biggest share at $18,345 (51.2% of the median new price); fuel $11,552 and national-average insurance $6,410 make up the rest. Scheduled maintenance, repairs and registration fees come on top.
Is the Tucson expensive to maintain?
Hyundai's published oil-change interval: 8,000 miles or 12 months. Hyundai Complimentary Maintenance (HCM): 3 years or 36,000 miles. For the Tucson: 2026 manual: oil 8,000 mi/12 mo, SAE 0W-20, full synthetic; spark plugs every 96,000 miles. We list the schedule rather than a dollar figure because Hyundai doesn't publish service prices.
Is the Tucson 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 Tucson depreciate in 5 years?
In CarWhere's used-market study, 5-year-old Tucsons (model year 2021) list for 51.2% below the median new price of $35,830, about $18,345 of lost value.
How much does a Tucson cost to fuel per year?
About $2,310 a year at 15,000 miles, based on the EPA rating of 27 MPG combined; 26–28 MPG across 2 EPA-listed versions and $4.153/gal regular (EIA, week of November 2, 2026). The hybrid version (38 MPG) works out to about $1,639 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)
- 2026 Hyundai Palisade Owner's Manual (full PDF, ownersmanual.hyundai.com) — Hyundai (opened 2026-11-06)
- 2026 Hyundai Tucson Owner's Manual (full PDF) — Hyundai (opened 2026-11-06)
- 2026 Hyundai Santa Fe Owner's Manual (full PDF) — Hyundai (opened 2026-11-06)
- 2026 Hyundai Elantra Owner's Manual (full PDF) — Hyundai (opened 2026-11-06)
- Hyundai Complimentary Maintenance (hyundaiusa.com Assurance) — Hyundai (opened 2026-11-06)
- Hyundai Complimentary Maintenance (service.hyundaiusa.com) — Hyundai (opened 2026-11-06)