What a Honda HR‑V really costs per month
By Mihir · Updated November 2026 · Numbers from the CarBudgetFit calculator
The sticker price is the start. Here is what a Honda HR-V costs each month once you add the loan, insurance, gas and upkeep, new or 3 years old.
A new Honda HR‑V costs about $921 a month to own; a 3-year-old one about $828
The Honda HR-V is the #32 best-selling vehicle in the US this year, with 108,609 sold from January to September. At about 27 mpg combined, gas comes to around $115 a month at 12,000 miles a year. Honda models hold their value better than most, so a 3-year-old HR-V still sells for about 79% of new. Good for resale, but it means used ones are not much of a bargain. Of the 7 small crossovers we track, it is the 5th cheapest to own new; the Chevrolet Trax costs about $135 a month less.
Monthly cost breakdown, new vs used
| New | Used, 3 yrs old | |
|---|---|---|
| Price (mid-level trim) | $31,500 | $24,900 |
| Loan payment | $592 | $483 |
| Insurance | $164 | $150 |
| Gas | $115 | $115 |
| Maintenance and repairs | $50 | $80 |
| All-in per month | $921 | $828 |
| Interest over the loan | $5,555 | $5,981 |
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 Honda HR-V?
Keeping all car costs under 20% of take-home pay, a new HR-V needs a salary of roughly $70,000 and a 3-year-old one roughly $62,000. For the more comfortable 15% target, it's about $97,000 for new and $86,000 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 $183 a month, mostly in the loan payment.
| Trim | New price | All-in / month |
|---|---|---|
| Base | $28,200 | $843 |
| Mid-level | $31,500 | $921 |
| Top | $36,000 | $1,026 |
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 HR-V, the difference between excellent and rebuilding credit is about $121 a month, or $7,260 over a 5-year loan.
| Credit | New | Used |
|---|---|---|
| Excellent5.2% / 7% APR | $897 | $801 |
| Good6.9% / 9.5% APR | $921 | $828 |
| Fair9.8% / 13.8% APR | $963 | $878 |
| Rebuilding13.5% / 18.5% APR | $1,018 | $935 |
Loan length, new Honda HR-V
A longer loan lowers the payment but raises the interest. A 6-year loan costs about $2,306 more in interest than a 4-year loan.
| Loan length | Payment | All-in | Total interest |
|---|---|---|---|
| 3 years | $925 | $1,253 | $3,297 |
| 4 years | $717 | $1,045 | $4,414 |
| 5 years | $592 | $921 | $5,555 |
| 6 years | $510 | $838 | $6,720 |
Compared with other small crossovers
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 |
|---|---|---|
| Chevrolet Trax | $786 | $684 |
| Nissan Kicks | $807 | $698 |
| Chevrolet Trailblazer | $829 | $717 |
| Toyota Corolla Cross | $872 | $785 |
| Honda HR-V this page | $921 | $828 |
| Subaru Crosstrek | $922 | $815 |
| Ford Bronco Sport | $1,075 | $916 |
Reviews
What reviewers and owners say about the Honda HR-V
Brand reliability from Consumer Reports' predicted reliability survey, published December 2025. Links open each site's latest coverage.
Safety
How safe is the Honda HR-V?
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 Honda HR-V.
Open the calculator →Common questions
How much does a Honda HR-V cost per month?
About $921 a month new and $828 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 $592 new.
What salary do you need to afford a Honda HR-V?
Roughly $70,000 a year for a new one and $62,000 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 Honda HR-V?
A 3-year-old HR-V costs about $93 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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