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What a five-year cost-to-own estimate includes
Kelley Blue Book frames its calculation as “Out of Pocket + Depreciation = Cost to Own.” That distinction matters: out-of-pocket expenses are modeled cash costs, while depreciation is the estimated loss in the vehicle’s value. The total is therefore not the same as either the sticker price or the amount you will pay in cash.
For the 2025 BMW X5 M, KBB displays an MSRP of $128,375 alongside its five-year ownership estimate. The MSRP is the vehicle’s listed price; the ownership estimate also accounts for projected expenses and lost value. Neither number necessarily matches a buyer’s transaction price or final personal cost. Kelley Blue Book’s 2025 BMW X5 M cost-to-own estimate identifies fuel, insurance, financing, state fees, maintenance, repairs, and depreciation as components.
2025 BMW X5 M: KBB’s displayed five-year estimate
| Cost category | Five-year estimate |
|---|---|
| Fuel | $11,770 |
| Insurance | $27,315 |
| Financing | $14,968 |
| State fees | $23,907 |
| Maintenance | $6,588 |
| Repairs | $2,119 |
| Out-of-pocket total | $86,667 |
| Depreciation | $77,562 |
| Five-year cost to own | $164,229 |
These are KBB projections for this model year, not a personalized quote. Depreciation makes up nearly half of the displayed total, so a budget that counts only fuel, insurance, and service misses a substantial part of the estimated economic cost.
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How much can the estimate vary by vehicle?
KBB’s displayed figures differ across the example vehicles below. They are useful as comparison points, not as an apples-to-apples ranking: the models differ, and the cited pages do not establish identical driver, location, mileage, purchase, insurance, or financing assumptions.
| 2025 vehicle | Out-of-pocket estimate | Depreciation estimate | Five-year total |
|---|---|---|---|
| BMW X5 M | $86,667 | $77,562 | $164,229 |
| Audi Q7 55 TFSI Premium Plus | $56,716 | $47,876 | $104,592 |
| Lexus RX | $39,937 | $25,454 | $65,391 |
Sources: KBB’s BMW X5 M estimate, KBB’s Audi Q7 estimate, and KBB’s Lexus RX estimate. The Lexus RX is a general luxury-SUV comparison, not a direct high-performance counterpart. For a useful shortlist comparison, set the same ownership period, annual mileage, geography, transaction-price assumptions, financing terms, and insurance profile for each vehicle.
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Why depreciation deserves its own line
Depreciation is the difference between what you pay and what you can later sell the vehicle for, expressed in the estimate as an expected loss in value. It may not appear as a monthly bill, but it affects the cost of owning the vehicle. For a buyer who plans to sell or trade in after a few years, the expected resale value can materially change the ownership calculation.
In a March 19, 2026 announcement, Kelley Blue Book projected that an average 2026 model-year vehicle would retain about 45% of its original value after five years; vehicles in its 2026 Best Resale Value top 10 were projected to retain around 55% or more. These are broad KBB projections, not a forecast for a particular performance SUV. KBB describes its residuals as projected auction values for vehicles in average condition with 75,000 miles at the end of five years, based on statistical models using millions of transactions reviewed by analysts. Kelley Blue Book’s 2026 resale-value announcement explains the scope of those estimates.
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What changes your personal cost?
Insurance and driver profile
The X5 M’s displayed $27,315 insurance estimate over five years is not a standard rate. KBB says its estimate varies with driver age, driving record, credit rating, location, trim, and insurer. Request quotes for the actual driver, address, and vehicle configuration; a general model estimate cannot substitute for those quotes.
Mileage, fuel, and driving conditions
Annual mileage and local fuel prices affect fuel spending. Use the specific model year and trim’s fuel-economy information rather than applying a generic performance-SUV assumption. The U.S. Environmental Protection Agency’s 2025 Automotive Trends Report provides industry context, but a buyer’s estimate should use vehicle-specific data and their own expected driving.
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Price, financing, taxes, and fees
Use the transaction price you expect to pay, not only MSRP. Include the down payment, loan or lease terms, and financing cost, then account for applicable state and local taxes, registration, and other fees. KBB’s state-fee and financing figures are estimates tied to its calculation; they do not establish what a particular buyer will owe.
Service, tires, repairs, and warranty
Estimate scheduled maintenance, tire replacement, likely repairs, and what the warranty covers during your intended ownership period. A vehicle’s service history matters for a used purchase, while warranty coverage can affect which repairs you pay for yourself. The KBB X5 M estimate separates maintenance from repairs, which is a useful distinction to preserve in your own budget.
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How to build an estimate for your own shortlist
- Choose the exact vehicle. Identify model year and trim, and use a realistic transaction price rather than assuming MSRP is the purchase price.
- Set your ownership period and mileage. Estimate annual miles and total planned miles so fuel use, wear items, and resale expectations align with your plans.
- Price the cash and financing costs. Enter your down payment and loan or lease terms, and include financing cost, taxes, registration, and local fees applicable to your situation.
- Get insurance quotes. Quote the actual driver, address, and trim from insurers; do not treat a published model estimate as your premium.
- Estimate operating and service costs. Use vehicle-specific fuel-economy data and account for maintenance, tires, repairs, and warranty coverage.
- Estimate resale value at the end of ownership. Subtract expected resale value from your purchase cost to represent depreciation, keeping that figure separate from cash expenses.
- Compare candidates on matching assumptions. Apply the same ownership period, mileage, location, financing approach, and insurance profile to every vehicle in the shortlist.
The IRS lists maintenance, repairs, insurance, fuel, registrations, licenses, inspections, parking, and tolls among vehicle operating costs in its transportation standards. Those standards are for federal tax administration and took effect June 29, 2026; they are not a consumer ownership-cost calculator or a personalized budget. The IRS transportation standards are useful as a reminder that operating costs can extend beyond a car payment and fuel.
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Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.
