Ford F-150 Lightning Pro vs Ford F-150 XLT (gas): 5-year cost to own in Connecticut

Q: Is the Ford F-150 Lightning Pro or the Ford F-150 XLT (gas) cheaper to own over 5 years in Connecticut?

The Ford F-150 XLT (gas) stays the cheaper car to own — about $52,958 vs $72,290 for the Ford F-150 Lightning Pro, a $19,332 difference over 5 years.

Q: How much more does the Ford F-150 Lightning Pro cost to buy than the Ford F-150 XLT (gas)?

The Ford F-150 Lightning Pro starts at $54,780 — $12,780 more than the Ford F-150 XLT (gas) ($42,000). Over 5 years the ownership gap is $19,332 in favor of the Ford F-150 XLT (gas).

Q: Which costs less per mile — the Ford F-150 Lightning Pro or the Ford F-150 XLT (gas)?

The Ford F-150 XLT (gas): $0.88 vs $1.21 per mile all-in ($883 vs $1,205 per month) in Connecticut.

By the EVCostIQ research desk · reviewed against our public methodology · every source dated on this page

As of July 1, 2026, over 5 years in Connecticut, the Ford F-150 XLT (gas) stays the cheaper car to own — about $52,958 vs $72,290 for the Ford F-150 Lightning Pro, a $19,332 difference over 5 years. Connecticut's electricity (32.2¢/kWh, 71% above the U.S. average) and $3.95/gal gas are fed straight into both totals. The expired federal $7,500 EV credit is not applied to either total.

Cheaper to own over 5 years · ConnecticutFord F-150 XLT (gas) · $52,958 total · $19,332 less than the Ford F-150 Lightning Pro

Ford F-150 Lightning Pro vs Ford F-150 XLT (gas) — where the money goes

5-year total cost of ownership by component, by vehicle (USD). Estimates; sources dated in the methodology.
Cost component	Electric · Ford F-150 Lightning Pro	Gas · Ford F-150 XLT
Depreciation (estimated)	$31,225 (43%)	$16,800 (32%)
Charging / fuel	$13,717 (19%)	$10,784 (20%)
↳ of which charging loss	12% (~$1,646)	—
Maintenance	$3,660 (5%)	$6,840 (13%)
Insurance	$13,750 (19%)	$11,000 (21%)
Financing interest	$9,738 (13%)	$7,335 (14%)
Registration & fees	$200 (0%)	$200 (0%)
Total cost of ownership	$72,290	$52,958

The charging-loss row is the ~10–15% of electricity lost to AC charging that you pay for but never reaches the battery — we include it; most calculators don't.

When does the Ford F-150 Lightning Pro win?

Even at 30,000+ mi/yr or a 15-year hold, the Ford F-150 XLT (gas) stays cheaper here — its lower price and slower depreciation dominate. The Ford F-150 Lightning Pro is the pick mainly for reasons beyond 5-year cost (performance, emissions, HOV access, home-charging convenience).

Ford F-150 Lightning Pro vs Ford F-150 XLT (gas), side by side

Electric

Ford F-150 Lightning Pro

5-yr total cost: $72,290
Cost / month: $1,205
Cost / mile: $1.21
MSRP: $54,780
Powertrain: Electric
Efficiency: 48 kWh/100mi

Gas Lower 5-yr cost

Ford F-150 XLT (gas)

5-yr total cost: $52,958
Cost / month: $883
Cost / mile: $0.88
MSRP: $42,000
Powertrain: Gas
Efficiency: 22 mpg

Connecticut electricity: 32.2¢/kWh EIA
Gas price (Connecticut): $3.95/gal AAA

Change the miles, your state & either car

Full cost breakdowns

← Ford F-150 Lightning Pro vs Ford F-150 XLT (gas) (U.S. average)

FAQ

Is the Ford F-150 Lightning Pro or the Ford F-150 XLT (gas) cheaper to own over 5 years in Connecticut?

The Ford F-150 XLT (gas) stays the cheaper car to own — about $52,958 vs $72,290 for the Ford F-150 Lightning Pro, a $19,332 difference over 5 years.

When does the Ford F-150 Lightning Pro become cheaper than the Ford F-150 XLT (gas)?

How much more does the Ford F-150 Lightning Pro cost to buy than the Ford F-150 XLT (gas)?

The Ford F-150 Lightning Pro starts at $54,780 — $12,780 more than the Ford F-150 XLT (gas) ($42,000). Over 5 years the ownership gap is $19,332 in favor of the Ford F-150 XLT (gas).

Which costs less per mile — the Ford F-150 Lightning Pro or the Ford F-150 XLT (gas)?

The Ford F-150 XLT (gas): $0.88 vs $1.21 per mile all-in ($883 vs $1,205 per month) in Connecticut.