Tesla Model Y RWD vs Toyota RAV4 Plug-in Hybrid SE: 5-year cost to own in Oregon

Q: Is the Tesla Model Y RWD or the Toyota RAV4 Plug-in Hybrid SE cheaper to own over 5 years in Oregon?

The Toyota RAV4 Plug-in Hybrid SE stays the cheaper car to own — about $44,066 vs $56,658 for the Tesla Model Y RWD, a $12,592 difference over 5 years.

Q: How much more does the Tesla Model Y RWD cost to buy than the Toyota RAV4 Plug-in Hybrid SE?

The Tesla Model Y RWD starts at $44,990 — $1,125 more than the Toyota RAV4 Plug-in Hybrid SE ($43,865). Over 5 years the ownership gap is $12,592 in favor of the Toyota RAV4 Plug-in Hybrid SE.

Q: Which costs less per mile — the Tesla Model Y RWD or the Toyota RAV4 Plug-in Hybrid SE?

The Toyota RAV4 Plug-in Hybrid SE: $0.73 vs $0.94 per mile all-in ($734 vs $944 per month) in Oregon.

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 Oregon, the Toyota RAV4 Plug-in Hybrid SE stays the cheaper car to own — about $44,066 vs $56,658 for the Tesla Model Y RWD, a $12,592 difference over 5 years. Oregon's electricity (15.8¢/kWh, 16% below the U.S. average) and $4.71/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 · OregonToyota RAV4 Plug-in Hybrid SE · $44,066 total · $12,592 less than the Tesla Model Y RWD

Tesla Model Y RWD vs Toyota RAV4 Plug-in Hybrid SE — where the money goes

5-year total cost of ownership by component, by vehicle (USD). Estimates; sources dated in the methodology.
Cost component	Electric · Tesla Model Y RWD	Plug-in hybrid · Toyota RAV4 Plug-in Hybrid
Depreciation (estimated)	$26,544 (47%)	$13,160 (30%)
Charging / fuel	$3,916 (7%)	$5,601 (13%)
↳ of which charging loss	12% (~$470)	—
Maintenance	$3,660 (6%)	$4,980 (11%)
Insurance	$13,750 (24%)	$11,750 (27%)
Financing interest	$7,897 (14%)	$7,686 (17%)
Registration & fees	$890 (2%)	$890 (2%)
Total cost of ownership	$56,658	$44,066

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 Tesla Model Y RWD win?

Even at 30,000+ mi/yr or a 15-year hold, the Toyota RAV4 Plug-in Hybrid SE stays cheaper here — its lower price and slower depreciation dominate. The Tesla Model Y RWD is the pick mainly for reasons beyond 5-year cost (performance, emissions, HOV access, home-charging convenience).

Tesla Model Y RWD vs Toyota RAV4 Plug-in Hybrid SE, side by side

Electric

Tesla Model Y RWD

5-yr total cost: $56,658
Cost / month: $944
Cost / mile: $0.94
MSRP: $44,990
Powertrain: Electric
Efficiency: 28 kWh/100mi

Plug-in hybrid Lower 5-yr cost

Toyota RAV4 Plug-in Hybrid SE

5-yr total cost: $44,066
Cost / month: $734
Cost / mile: $0.73
MSRP: $43,865
Powertrain: Plug-in hybrid
Efficiency: 40 mpg

Oregon electricity: 15.8¢/kWh EIA
Gas price (Oregon): $4.71/gal AAA

Change the miles, your state & either car

Full cost breakdowns

← Tesla Model Y RWD vs Toyota RAV4 Plug-in Hybrid SE (U.S. average)

FAQ

Is the Tesla Model Y RWD or the Toyota RAV4 Plug-in Hybrid SE cheaper to own over 5 years in Oregon?

The Toyota RAV4 Plug-in Hybrid SE stays the cheaper car to own — about $44,066 vs $56,658 for the Tesla Model Y RWD, a $12,592 difference over 5 years.

When does the Tesla Model Y RWD become cheaper than the Toyota RAV4 Plug-in Hybrid SE?

How much more does the Tesla Model Y RWD cost to buy than the Toyota RAV4 Plug-in Hybrid SE?

The Tesla Model Y RWD starts at $44,990 — $1,125 more than the Toyota RAV4 Plug-in Hybrid SE ($43,865). Over 5 years the ownership gap is $12,592 in favor of the Toyota RAV4 Plug-in Hybrid SE.

Which costs less per mile — the Tesla Model Y RWD or the Toyota RAV4 Plug-in Hybrid SE?

The Toyota RAV4 Plug-in Hybrid SE: $0.73 vs $0.94 per mile all-in ($734 vs $944 per month) in Oregon.