Ford F-150 XLT (gas) cost to own in Maryland — the true 5-year total
The Ford F-150 XLT (gas) starts at $42,000. As of July 1, 2026, over 5 years, owning one (gas car) costs about $52,785 in Maryland — $880/month, $0.88/mile — including depreciation, fuel, maintenance, insurance, financing and fees. That's $988 more than a comparable Ram 1500 Tradesman Quad Cab over the same 5 years. Maryland's electricity (22.1¢/kWh) is 17% above the U.S. average, and gas runs $3.74/gal here — both fed straight into the numbers above.
Ford F-150 XLT (gas) · Maryland · 5-year estimate$52,785 total · $880/mo · $0.88/mi
Where the money goes
| Cost component | Gas · Ford F-150 XLT | Gas · Ram 1500 Tradesman Quad |
|---|---|---|
| Depreciation (estimated) | $16,800 (32%) | $16,916 (33%) |
| Charging / fuel | $10,208 (19%) | $10,208 (20%) |
| ↳ of which charging loss | — | — |
| Maintenance | $6,840 (13%) | $6,060 (12%) |
| Insurance | $11,000 (21%) | $11,000 (21%) |
| Financing interest | $7,335 (14%) | $7,010 (14%) |
| Registration & fees | $603 (1%) | $603 (1%) |
| Total cost of ownership | $52,785 | $51,797 |
Ford F-150 XLT (gas) specs & assumptions
- Starting MSRP
- $42,000manufacturer base
- Powertrain
- Gas
- Efficiency
- 22 mpgEPA
- Maryland gas
- $3.74/galAAA
- Annual miles (assumed)
- 12,000adjustable in tool
Compare the Ford F-150 XLT (gas) against any car, your miles & your state
What else moves your Ford F-150 XLT (gas) cost
The 5-year total already folds in depreciation, fuel, insurance, maintenance and financing. Here's how the biggest levers work — and the ones that sit outside the total.
- Financing. Borrow the full $42,000 at a typical 7.2% new-car APR over 60 months and interest alone adds about $8,137. Lower the APR or add a down payment in the calculator and the total drops — financing is in the 5-year figure above.
- Insurance. Budget about $2,200/yr to insure this class — our own estimate, calibrated to Insurify/Bankrate 2026, included in the total above. Quotes vary widely by driver and ZIP, so get your own before deciding.
- Fuel price. The total uses Maryland's pump price of $3.74/gal. Enter your local price in the calculator — at high-mileage driving it's the biggest single lever.
Recalls & reliability record — F-150
Official U.S. National Highway Traffic Safety Administration (NHTSA) safety record for the F-150, MY 2017–2026. Figures cover all powertrains and trims sold under the F-150 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 (90)
- Power Train
Dealers will update the powertrain control module software, and inspect and replace any damaged transmission components as necessary, free of charge.
- Electrical System
Dealers will update the Instrument Panel Cluster Assembly (IPC) software, free of charge.
- Exterior Lighting
Dealers will reprogram the body control module software, free of charge.
- Power Train
Dealers will update the powertrain control module software, free of charge.
- Power Train
Dealers will update the powertrain control module software, free of charge.
- Electrical System
The integrated trailer module software will be updated by a dealer, or through an over-the-air (OTA) update, free of charge.
- Service Brakes
Dealers will replace the electronic brake booster, free of charge.
- Visibility
Dealers will inspect and repair the moonroof wind deflector as necessary, free of charge.
Full recall history: every F-150 campaign → — all 90 campaigns, grouped by year.
Consumer complaints
NHTSA has 10,834 consumer complaints on file for the F-150 (MY 2017–2026). The most-reported areas: Power Train, Engine, Electrical System. Complaints are unverified reports submitted by consumers to NHTSA. Counts here are from NHTSA’s complaint flat-file export, which lists this nameplate under records the model-lookup API omits.
Ford F-150 XLT (gas) head-to-head comparisons
The 5-year cost gap against the cars buyers cross-shop:
← Ford F-150 XLT (gas) cost (U.S. average)