What a Toyota Camry really costs per month
By Mihir · Updated November 2026 · Numbers from the CarBudgetFit calculator
The sticker price is the start. Here is what a Toyota Camry costs each month once you add the loan, insurance, gas and upkeep, new or 3 years old.
A new Toyota Camry costs about $946 a month to own; a 3-year-old one about $846
The Toyota Camry is the #6 best-selling vehicle in the US this year, with 260,684 sold from January to September. At about 47 mpg combined it is one of the cheapest cars here to fuel, around $66 a month at 12,000 miles a year. Toyota models hold their value better than most, so a 3-year-old Camry still sells for about 79% of new. Good for resale, but it means used ones are not much of a bargain. Of the 2 midsize sedans we track, it is the cheapest to own new.
Monthly cost breakdown, new vs used
| New | Used, 3 yrs old | |
|---|---|---|
| Price (mid-level trim) | $34,600 | $27,300 |
| Loan payment | $657 | $536 |
| Insurance | $173 | $159 |
| Gas | $66 | $66 |
| Maintenance and repairs | $50 | $85 |
| All-in per month | $946 | $846 |
| Interest over the loan | $6,164 | $6,643 |
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 Toyota Camry?
Keeping all car costs under 20% of take-home pay, a new Camry needs a salary of roughly $72,000 and a 3-year-old one roughly $64,000. For the more comfortable 15% target, it's about $100,000 for new and $88,000 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 $202 a month, mostly in the loan payment.
| Trim | New price | All-in / month |
|---|---|---|
| Base | $30,900 | $859 |
| Mid-level | $34,600 | $946 |
| Top | $39,500 | $1,061 |
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 Camry, the difference between excellent and rebuilding credit is about $135 a month, or $8,100 over a 5-year loan.
| Credit | New | Used |
|---|---|---|
| Excellent5.2% / 7% APR | $920 | $816 |
| Good6.9% / 9.5% APR | $946 | $846 |
| Fair9.8% / 13.8% APR | $993 | $902 |
| Rebuilding13.5% / 18.5% APR | $1,055 | $966 |
Loan length, new Toyota Camry
A longer loan lowers the payment but raises the interest. A 6-year loan costs about $2,558 more in interest than a 4-year loan.
| Loan length | Payment | All-in | Total interest |
|---|---|---|---|
| 3 years | $1,026 | $1,315 | $3,658 |
| 4 years | $795 | $1,084 | $4,898 |
| 5 years | $657 | $946 | $6,164 |
| 6 years | $566 | $855 | $7,456 |
Compared with other midsize sedans
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 |
|---|---|---|
| Toyota Camry this page | $946 | $846 |
| Honda Accord | $947 | $852 |
Reviews
What reviewers and owners say about the Toyota Camry
Brand reliability from Consumer Reports' predicted reliability survey, published December 2025. Links open each site's latest coverage.
Safety
How safe is the Toyota Camry?
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 Toyota Camry.
Open the calculator →Common questions
How much does a Toyota Camry cost per month?
About $946 a month new and $846 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 $657 new.
What salary do you need to afford a Toyota Camry?
Roughly $72,000 a year for a new one and $64,000 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 Toyota Camry?
A 3-year-old Camry costs about $100 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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