Toyota Tacoma SR price & real 5-year cost in the U.S.
The Toyota Tacoma SR starts at $32,145. As of August 6, 2026, over 5 years, owning one (gas car) costs about $43,863 in the U.S. — $731/month, $0.73/mile — including depreciation, fuel, maintenance, insurance, financing and fees. That's $9,604 less than a comparable Ford F-150 XLT (gas) over the same 5 years.
Toyota Tacoma SR · U.S. average · 5-year estimate$43,863 total · $731/mo · $0.73/mi
Where the money goes
| Cost component | Gas · Toyota Tacoma SR | Gas · Ford F-150 XLT |
|---|---|---|
| Depreciation (estimated) | $10,286 (23%) | $16,800 (31%) |
| Charging / fuel | $10,036 (23%) | $10,492 (20%) |
| ↳ of which charging loss | — | — |
| Maintenance | $6,060 (14%) | $6,840 (13%) |
| Insurance | $11,000 (25%) | $11,000 (21%) |
| Financing interest | $5,481 (12%) | $7,335 (14%) |
| Registration & fees | $1,000 (2%) | $1,000 (2%) |
| Total cost of ownership | $43,863 | $53,467 |
Toyota Tacoma SR specs & assumptions
- Starting MSRP
- $32,145manufacturer base
- Powertrain
- Gas
- Efficiency
- 23 mpgEPA
- Gas (US avg)
- $3.85/galAAA
- Annual miles (assumed)
- 12,000adjustable in tool
Compare the Toyota Tacoma SR against any car, your miles & your state
What else moves your Toyota Tacoma SR cost
The 5-year total already folds in depreciation, fuel, insurance, maintenance and financing. These are the levers that actually move money on this car, biggest first — each figure re-run through the same kernel with one input changed. Levers that don't move $400+ here aren't listed.
- Insurance. On a car this cheap to buy, insurance is the quiet giant: $11,000 over 5 years, 25% of the whole total and more than the fuel bill. Quotes swing widely by driver and ZIP, so get your own before deciding.
- Financing. The total finances $29,145 of the $32,145 price at 7.0% over 60 months: $5,481 of pure interest, 12% of everything above. Paying cash or shopping the rate removes it outright — both are inputs in the calculator.
- Fuel price. The total runs on the U.S. average $3.85/gal. Add a dollar to the pump price and this car's 5-year total rises $2,609 to $46,472 — at 23 mpg and 12,000 mi/yr, fuel is the lever your own driving moves most.
- Depreciation curve. We cost the Toyota Tacoma SR on its own residual curve, not the gas car average: it holds 68% of its $32,145 after 5 years against 61% for a typical gas car. That is about $2,251 less depreciation than the class curve would give it — and depreciation is $10,286 of the $43,863 above (23%).
Toyota Tacoma SR cost anatomy — where the money concentrates
The Toyota Tacoma SR costs about $43,863 to own over 5 years in the U.S. — $731/month, $0.73/mi at 12,000 mi/yr — and insurance is the biggest line: $11,000, 25% of the total (as of August 6, 2026).
- Where the Toyota Tacoma SR's $43,863 actually goes: insurance $11,000 (25%), depreciation $10,286 (23%), gas $10,036 (23%), maintenance $6,060 (14%), financing interest $5,481 (12%), registration & fees $1,000 (2%).
- Per mile, that is $0.17 of depreciation and $0.17 of gas, with $0.39 for everything else — $0.73/mile all-in.
- Gas vs the fleet: the Toyota Tacoma SR's 5-year gas bill ($10,036) runs $803 above the $9,233 median of the 37 gas and hybrid models we price at the same rates.
What we assume for maintenance
Maintenance & repairs for the Toyota Tacoma SR are costed at $0.101/mi (our standard gas car rate) — about $1,212/yr at 12,000 mi/yr, and $6,060 of the 5-year total above. That's about $156/yr less than the $0.114/mi we cost for the gas Ford F-150 XLT it is compared against above ($6,840 over 5 years).
Rates are anchored to U.S. DOE 2025 per-mile figures (AAA-calibrated) — full sourcing in the methodology. The total scales with the annual-miles input in the calculator.
Recalls & reliability record — Tacoma
Official U.S. National Highway Traffic Safety Administration (NHTSA) safety record for the Tacoma, MY 2017–2026. Figures cover all powertrains and trims sold under the Tacoma 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 (18)
- Equipment
Dealers will replace the load carrying capacity modification label, free of charge.
- Power Train
Dealers will inspect and replace both front driveshaft assemblies as necessary, free of charge.
- Electrical System
Dealers will update the instrument panel software over-the-air (OTA) for non-PHEV vehicles, free of charge.
- Service Brakes
Dealers will replace both rear brake hoses, free of charge.
- Steering
Dealers will inspect and replace the spiral cable assembly as necessary, free of charge.
- Equipment
GST will mail new labels to owners, free of charge.
- Power Train
Dealers will inspect the rear axle assembly, tighten the axle retaining nuts as necessary, and repair or replace any damaged components, free of charge.
- Steering
Dealers will inspect and replace the spiral cable assembly, if necessary, free of charge.
Full recall history: every Tacoma campaign → — all 18 campaigns, grouped by year.
Consumer complaints
NHTSA has 1,559 consumer complaints on file for the Tacoma (MY 2017–2026). The most-reported areas: Power Train, Service Brakes, Fuel/Propulsion 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.
Where the Toyota Tacoma SR numbers change most
Same car, same 5-year horizon, 51 different state rate sets: the total runs from $41,324 in Indiana to $47,428 in California — a $6,104 swing, 14% of its U.S.-average $43,863. Every 10¢/gal at the pump moves this car's total by about $261; state registration fees stack on top of that. Each link opens that state's cost table at the Toyota Tacoma SR row.
Cheapest states for the Toyota Tacoma SR
Most expensive states for the Toyota Tacoma SR
- California $47,428
- Hawaii $47,403
- Washington $46,514
- Alaska $45,743
- Oregon $45,424
- Nevada $45,149
Does any state change the verdict? No. Against the Ford F-150 XLT (gas) — the segment rival we price it against — the Toyota Tacoma SR is cheaper in all 51 state rate sets, by $9,604 at the U.S. average. No state's mix of electricity, pump price and fees closes that gap, so there is no "it depends on where you live" story here.