Ford Mustang Mach-E Select cost to own in Kentucky — the true 5-year total
The Ford Mustang Mach-E Select starts at $39,995. As of July 1, 2026, over 5 years, owning one (EV) costs about $53,893 in Kentucky — $898/month, $0.90/mile — including depreciation, charging (with the ~12% AC charging loss most calculators ignore), maintenance, insurance, financing and fees. That's $14,480 more than a comparable Toyota RAV4 LE (gas) over the same 5 years. Kentucky's electricity (15.0¢/kWh) is 20% below the U.S. average, and gas runs $3.46/gal here — both fed straight into the numbers above. The federal $7,500 EV credit expired Sept 30, 2025 and is not applied.
Ford Mustang Mach-E Select · Kentucky · 5-year estimate$53,893 total · $898/mo · $0.90/mi
Where the money goes
| Cost component | Electric · Ford Mustang Mach-E Select | Gas · Toyota RAV4 LE |
|---|---|---|
| Depreciation (estimated) | $24,397 (45%) | $10,800 (27%) |
| Charging / fuel | $4,393 (8%) | $6,910 (18%) |
| ↳ of which charging loss | 12% (~$527) | — |
| Maintenance | $3,660 (7%) | $5,520 (14%) |
| Insurance | $13,750 (26%) | $11,000 (28%) |
| Financing interest | $6,958 (13%) | $5,078 (13%) |
| Registration & fees | $735 (1%) | $105 (0%) |
| Total cost of ownership | $53,893 | $39,413 |
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.
Ford Mustang Mach-E Select specs & assumptions
- Starting MSRP
- $39,995manufacturer base
- Powertrain
- Electric
- Efficiency
- 33 kWh/100miEPA
- Range
- 250 miEPA
- Kentucky electricity
- 15.0¢/kWhEIA
- Annual miles (assumed)
- 12,000adjustable in tool
Compare the Ford Mustang Mach-E Select against any car, your miles & your state
What else moves your Ford Mustang Mach-E Select cost
The 5-year total already folds in depreciation, charging, insurance, maintenance and financing. Here's how the biggest levers work — and the ones that sit outside the total.
- Financing. Borrow the full $39,995 at a typical 7.2% new-car APR over 60 months and interest alone adds about $7,749. Lower the APR or add a down payment in the calculator and the total drops — financing is in the 5-year figure above.
- Insurance. This model averages about $2,750/yr to insure — roughly $550/yr more than a comparable gas car ($2,200/yr), as EV parts and repairs tend to cost more — our own estimate, calibrated to Insurify/Bankrate 2026, and already in the total above.
- Home charger. A Level 2 home charger is a one-time $500–$2,000 installed (depends on your panel and wiring) — not in the total above, but it pays back fast versus public fast-charging.
- Tires. EVs are heavier and make instant torque, so tires can wear ~20% faster — a real running cost most comparisons skip. We fold a higher maintenance rate for EVs into the total.
- Where you charge. Public DC fast-charging can cost 2–3× your home rate. The total assumes 80% home charging; if you can't charge at home, lower that share in the calculator to see the real cost.
Ford Mustang Mach-E Select battery — replacement cost & lifespan
Most EVs never need a battery replacement inside the 8-year / 100,000-mile warranty, so this is not in the 5-year total above — but it's the cost buyers worry about most, so here it is transparently.
- Out-of-warranty replacement
- $12,000–$25,000estimate
- Battery warranty
- 8 yr / 100,000 mimanufacturer
- Typical lifespan
- ~13 yrindustry est.
Cost to charge the Ford Mustang Mach-E Select at home
A full charge of the Ford Mustang Mach-E Select costs about $12, and it runs about $5.63 per 100 mi at home — versus about $11.52 for a typical 30 mpg gas car. Home charging only (the ~12% AC charging loss is included); public DC fast-charging is billed per session by each network — often 2–3× the home rate — and isn't in these figures.
- Full charge (70 kWh usable)
- $12pack ÷ (1 − 12% loss) × $0.15/kWh
- Per 100 mi at home
- $5.6333 kWh/100mi + 12% charging loss × $0.15/kWh
- A typical 30 mpg gas car
- $11.52/100miat $3.46/gal — for comparison
Recalls & reliability record — Mustang Mach-E
Official U.S. National Highway Traffic Safety Administration (NHTSA) safety record for the Mustang Mach-E, MY 2021–2026. Figures cover all powertrains and trims sold under the Mustang Mach-E nameplate for the model years shown. A recall means a free remedy is available at no cost. Source: NHTSA (nhtsa.gov), data as of .
Recalls (20)
- Power Train
Dealers will repair or replace the rear differential assembly as necessary, free of charge.
- Exterior Lighting
Ford will release an over-the-air (OTA) update or dealers will update the LDCMB software, free of charge.
- Power Train
The park module software will be updated over-the-air (OTA) or by a dealer, free of charge.
- Service Brakes
Dealers will update the ABS calibration software, free of charge.
- Exterior Lighting
Dealers will inspect and replace the LED Driver Modules, as necessary, free of charge.
- Electrical System
Dealers will replace the high voltage battery junction box, free of charge.
- Electrical System
Dealers will update the Powertrain Control Module (PCM) and the Secondary On-Board Diagnostic Control Module C (SOBDMC) software, free of charge.
- Power Train
Dealers will replace the transmission park rod assembly, free of charge.
Full recall history: every Mustang Mach-E campaign → — all 20 campaigns, grouped by year.
Consumer complaints
NHTSA has 460 consumer complaints on file for the Mustang Mach-E (MY 2021–2026). The most-reported areas: Electrical System, Forward Collision Avoidance, Power Train. Complaints are unverified reports submitted by consumers to NHTSA.
Ford Mustang Mach-E Select head-to-head comparisons
The 5-year cost gap against the cars buyers cross-shop:
← Ford Mustang Mach-E Select cost (U.S. average)