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

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

The Ford F-150 XLT (gas) stays the cheaper car to own — about $53,684 vs $69,534 for the Ford F-150 Lightning Pro, a $15,850 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 $15,850 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): $0.90 vs $1.16 per mile all-in ($895 vs $1,159 per month) in District of Columbia.

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 District of Columbia, the Ford F-150 XLT (gas) stays the cheaper car to own — about $53,684 vs $69,534 for the Ford F-150 Lightning Pro, a $15,850 difference over 5 years. District of Columbia's electricity (25.4¢/kWh, 35% above the U.S. average) and $4.17/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 · District of ColumbiaFord F-150 XLT (gas) · $53,684 total · $15,850 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 (45%)	$16,800 (31%)
Charging / fuel	$10,811 (16%)	$11,359 (21%)
↳ of which charging loss	12% (~$1,297)	—
Maintenance	$3,660 (5%)	$6,840 (13%)
Insurance	$13,750 (20%)	$11,000 (20%)
Financing interest	$9,738 (14%)	$7,335 (14%)
Registration & fees	$350 (1%)	$350 (1%)
Total cost of ownership	$69,534	$53,684

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: $69,534
Cost / month: $1,159
Cost / mile: $1.16
MSRP: $54,780
Powertrain: Electric
Efficiency: 48 kWh/100mi

Gas Lower 5-yr cost

Ford F-150 XLT (gas)

5-yr total cost: $53,684
Cost / month: $895
Cost / mile: $0.90
MSRP: $42,000
Powertrain: Gas
Efficiency: 22 mpg

District of Columbia electricity: 25.4¢/kWh EIA
Gas price (District of Columbia): $4.17/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 District of Columbia?

The Ford F-150 XLT (gas) stays the cheaper car to own — about $53,684 vs $69,534 for the Ford F-150 Lightning Pro, a $15,850 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 $15,850 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): $0.90 vs $1.16 per mile all-in ($895 vs $1,159 per month) in District of Columbia.