What a Ford F‑150 really costs per month
By Mihir · Updated November 2026 · Numbers from the CarBudgetFit calculator
The sticker price is the start. Here is what a Ford F-150 costs each month once you add the loan, insurance, gas and upkeep, new or 3 years old.
A new Ford F‑150 costs about $1,254 a month to own; a 3-year-old one about $1,115
The Ford F-150 is the #1 best-selling vehicle in the US this year, with 561,508 sold from January to September (counting all F-Series trucks). At about 22 mpg combined, gas comes to around $141 a month at 12,000 miles a year. Pickups hold their value well; a 3-year-old F-150 is estimated at about 78% of its new price. Of the 9 full-size pickups we track, it is the 5th cheapest to own new; the Ford Maverick costs about $302 a month less.
Monthly cost breakdown, new vs used
| New | Used, 3 yrs old | |
|---|---|---|
| Price (mid-level trim) | $44,900 | $35,000 |
| Loan payment | $873 | $708 |
| Insurance | $170 | $157 |
| Gas | $141 | $141 |
| Maintenance and repairs | $70 | $110 |
| All-in per month | $1,254 | $1,115 |
| Interest over the loan | $8,187 | $8,766 |
Assumes good credit (9.5% APR used, 6.9% new), a 5-year loan, $4,000 down, 6% sales tax plus $600 in fees, 12,000 miles a year, gas at $3.10 and full-coverage insurance at typical rates. Your numbers will differ; the calculator lets you change every one of these.
What salary do you need for a Ford F-150?
Keeping all car costs under 20% of take-home pay, a new F-150 needs a salary of roughly $100,000 and a 3-year-old one roughly $87,000. For the more comfortable 15% target, it's about $138,000 for new and $120,000 for used.
Estimated for a single filer after federal tax, Social Security, Medicare and about 3.5% state tax.
By trim level
Going from the base trim to the top trim adds about $255 a month, mostly in the loan payment.
| Trim | New price | All-in / month |
|---|---|---|
| Base | $40,100 | $1,145 |
| Mid-level | $44,900 | $1,254 |
| Top | $51,300 | $1,400 |
Base is the published starting price. Mid-level and top are estimated at about 12% and 28% more.
How your credit changes the cost
On a new F-150, the difference between excellent and rebuilding credit is about $179 a month, or $10,740 over a 5-year loan.
| Credit | New | Used |
|---|---|---|
| Excellent5.2% / 7% APR | $1,219 | $1,075 |
| Good6.9% / 9.5% APR | $1,254 | $1,115 |
| Fair9.8% / 13.8% APR | $1,316 | $1,188 |
| Rebuilding13.5% / 18.5% APR | $1,398 | $1,272 |
Loan length, new Ford F-150
A longer loan lowers the payment but raises the interest. A 6-year loan costs about $3,398 more in interest than a 4-year loan.
| Loan length | Payment | All-in | Total interest |
|---|---|---|---|
| 3 years | $1,363 | $1,744 | $4,858 |
| 4 years | $1,056 | $1,437 | $6,505 |
| 5 years | $873 | $1,254 | $8,187 |
| 6 years | $751 | $1,132 | $9,903 |
Compared with other full-size pickups
Mid-level trims, all-in monthly cost. Click any model for its full breakdown, or see all 59 models.
| Model | New, all-in | Used, all-in |
|---|---|---|
| Ford Maverick | $952 | $854 |
| Toyota Tacoma | $1,116 | $1,045 |
| Chevrolet Colorado | $1,120 | $1,005 |
| Nissan Frontier | $1,123 | $1,010 |
| Ford F-150 this page | $1,254 | $1,115 |
| Chevrolet Silverado 1500 | $1,259 | $1,122 |
| GMC Sierra 1500 | $1,302 | $1,159 |
| Toyota Tundra | $1,355 | $1,256 |
More full-size pickups: Ram 1500.
Reviews
What reviewers and owners say about the Ford F-150
Brand reliability from Consumer Reports' predicted reliability survey, published December 2025. Links open each site's latest coverage.
Safety
How safe is the Ford F-150?
IIHS awards for 2026 from IIHS releases through October 22, 2026. NHTSA is the federal safety agency; IIHS is funded by insurers and runs tougher tests. Always check a used car's VIN for open recalls.
Put in your own down payment, credit and insurance for the Ford F-150.
Open the calculator →Common questions
How much does a Ford F-150 cost per month?
About $1,254 a month new and $1,115 for a 3-year-old one, counting the loan payment, insurance, gas and maintenance. That assumes a mid-level trim, $4,000 down, a 5-year loan and good credit. The loan payment alone is about $873 new.
What salary do you need to afford a Ford F-150?
Roughly $100,000 a year for a new one and $87,000 for a 3-year-old one, if you keep all car costs under 20% of take-home pay.
Is it cheaper to buy a used Ford F-150?
A 3-year-old F-150 costs about $139 a month less to own than a new one, mainly from a lower price. Used-car loans carry higher interest (9.5% vs 6.9% with good credit) and upkeep is higher, which eats into the savings.
Guides by price, salary and payment
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