2026 Honda Pilot FWD cost to own in New Mexico — the true 5-year total
The 2026 Honda Pilot FWD starts at $42,195. As of July 1, 2026, over 5 years, owning one (gas car) costs about $51,572 in New Mexico — $860/month, $0.86/mile — including depreciation, fuel, maintenance, insurance, financing and fees. That's $11,279 more than a comparable Toyota RAV4 LE (gas) over the same 5 years. New Mexico's electricity (15.2¢/kWh) is 20% below the U.S. average, and gas runs $3.83/gal here — both fed straight into the numbers above.
2026 Honda Pilot FWD · New Mexico · 5-year estimate$51,572 total · $860/mo · $0.86/mi
Where the money goes
| Cost component | Gas · 2026 Honda Pilot FWD | Gas · Toyota RAV4 LE |
|---|---|---|
| Depreciation (estimated) | $16,456 (32%) | $10,800 (27%) |
| Charging / fuel | $10,459 (20%) | $7,670 (19%) |
| ↳ of which charging loss | — | — |
| Maintenance | $6,060 (12%) | $5,520 (14%) |
| Insurance | $11,000 (21%) | $11,000 (27%) |
| Financing interest | $7,371 (14%) | $5,078 (13%) |
| Registration & fees | $225 (0%) | $225 (1%) |
| Total cost of ownership | $51,572 | $40,293 |
2026 Honda Pilot FWD specs & assumptions
- Starting MSRP
- $42,195manufacturer base
- Powertrain
- Gas
- Efficiency
- 22 mpgEPA
- New Mexico gas
- $3.83/galAAA
- Annual miles (assumed)
- 12,000adjustable in tool
Compare the 2026 Honda Pilot FWD against any car, your miles & your state
What else moves your 2026 Honda Pilot FWD 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 $42,195 at a typical 7.2% new-car APR over 60 months and interest alone adds about $8,175. 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 New Mexico's pump price of $3.83/gal. Enter your local price in the calculator — at high-mileage driving it's the biggest single lever.
Recalls & reliability record — Pilot
Official U.S. National Highway Traffic Safety Administration (NHTSA) safety record for the Pilot, MY 2017–2026. Figures cover all powertrains and trims sold under the Pilot 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 (27)
- Suspension
Dealers will inspect and replace the rear subframe bolts as necessary, free of charge.
- Structure
Dealers will inspect the rear subframe and install a rear subframe reinforcement kit and, as necessary, repair or replace the rear subframe components, free of charge.
- Air Bags
Dealers will replace the seat weight sensors, free of charge.
- Seats
Dealers will replace the driver's seat cushion frame, free of charge.
- Service Brakes
Dealers will inspect and replace the brake pedal assembly as necessary, free of charge.
- Seat Belts
Dealers will inspect and repair the seat belt routing as necessary, free of charge.
- Fuel System
Dealers will reprogram the FI-ECU software, free of charge.
- Fuel System
Dealers will inspect and repair the fuel filler neck tube and pipe as necessary, free of charge.
Full recall history: every Pilot campaign → — all 27 campaigns, grouped by year.
Consumer complaints
NHTSA has 3,543 consumer complaints on file for the Pilot (MY 2017–2026). The most-reported areas: Engine, Electrical System, Forward Collision Avoidance. Complaints are unverified reports submitted by consumers to NHTSA.
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