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There is no supported, like-for-like 10-year cost ranking for ten new pickup trucks in the available figures. The published estimates here cover five years, and they use different truck configurations and methods. Treat them as examples—not as ten-year bills or a fair ranking. A credible 10-year comparison needs a specified model and configuration for each truck, shared driving and cost assumptions, and an explicit estimate of resale value at year 10.
What does a 10-year pickup ownership cost include?
A truck’s purchase price or monthly payment is only part of what ownership costs. A useful total cost of ownership (TCO) adds the expenses of keeping and using the truck, then accounts for the value recovered when it is sold or traded in.
- Depreciation: purchase price minus estimated resale value at the end of the period.
- Financing: interest paid over the loan term. If the comparison counts the purchase price in full, count interest—not the loan principal again—or the truck’s cost is double-counted.
- Taxes and fees: sales tax, registration, and other applicable charges.
- Insurance: premiums for a stated driver profile and location.
- Fuel: annual miles divided by fuel economy, multiplied by the assumed fuel price.
- Maintenance and repairs: scheduled service and estimated unscheduled work, shown separately where possible.
The total depends on choices that vary from owner to owner. Annual mileage, fuel prices, financing terms, insurance, local taxes, and repair needs can all change the result. A national estimate is a comparison under stated assumptions, not a promise of what a particular owner will pay.
What the available five-year estimates actually say
Edmunds describes True Cost to Own as a five-year comparison tool and says, “True Cost to Own is a comparative tool, not a predictive tool.” For mileage-dependent costs, its methodology assumes 15,000 miles per year. Edmunds also cautions that actual costs vary with circumstances such as mileage and driving history. Its estimate includes depreciation, financing interest, taxes and fees, insurance, fuel, maintenance, and repairs.
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| Source and configuration | Period and reported total | What the figure means |
|---|---|---|
| Edmunds, selected 2025 Ford F-150 SuperCrew XLT, 4WD, 5.5-foot bed, 2.7-liter turbocharged engine | Five years; $60,231 | Edmunds’ estimate for this specific configuration, accessed in 2026. It is not a 10-year estimate or a figure for every F-150. |
| Kelley Blue Book, 2025 Ford F-150 Super Cab | Five years; $60,989 | KBB’s Cost to Own estimate for this different configuration, accessed in 2026. KBB describes its measure as out-of-pocket costs such as fuel, insurance, service, and financing, plus depreciation. |
These two totals are not a controlled head-to-head test. The body configurations differ, and the publishers’ measures should not be assumed to use identical definitions. A headline total without its source, period, and configuration can make unlike estimates look directly comparable.
Edmunds’ itemized F-150 example
For its selected 2025 F-150 configuration, Edmunds displays this five-year breakdown. These are the publisher’s estimates for that configuration, not universal costs or a forecast of years six through ten.
| Cost category | Edmunds five-year estimate |
|---|---|
| Depreciation | $19,751 |
| Taxes and fees | $4,366 |
| Financing | $12,027 |
| Fuel | $13,857 |
| Insurance | $4,015 |
| Repairs | $992 |
| Maintenance | $5,223 |
| Total | $60,231 |
Edmunds’ developer documentation also defines its estimate as a measure of the first five years and lists the same core categories. Kelley Blue Book’s 2026 resale-value announcement says depreciation often is the greatest expense incurred during the first five years of vehicle ownership; that observation does not establish how much any particular pickup will lose over ten years.
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Why a five-year total cannot simply become a 10-year cost
Doubling a five-year total assumes that years six through ten cost the same as years one through five. That is not established by the cited estimates. Fuel and insurance recur, but depend on mileage, prices, and the owner. Maintenance and repairs may change with age and use. Depreciation is not a flat annual charge: the eventual resale value is a major unknown, and a five-year estimate does not supply a 10-year residual.
A defensible 10-year model would need to set out its assumptions rather than present a single figure as an observed fact. At minimum, specify:
- Model year and exact trim, cab, bed, drivetrain, and engine for every truck.
- Purchase or transaction price and whether taxes, fees, and financing are included.
- Annual mileage and the fuel-economy and fuel-price assumptions used.
- Insurance profile and geography, plus local tax and registration assumptions.
- Maintenance and repair estimates over the full ten years.
- Financing amount, term, and rate, with a clear method that avoids counting loan principal twice.
- Estimated resale proceeds at year 10 and any inflation or discount rate applied to costs in later years.
Show both category totals and the combined result. If future expenses are adjusted for inflation—or if future dollars are discounted to today’s value—state the rate and calculation. Without shared assumptions, two totals may reflect different methods or owners rather than a meaningful difference between trucks.
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Does pickup ownership commonly last long enough for a 10-year comparison?
iSeeCars reports an average pickup ownership duration of 8.7 years, compared with 8.4 years for vehicles overall. Its listed averages for light-duty pickups are:
| Pickup model | Average ownership duration reported by iSeeCars |
|---|---|
| Nissan Frontier | 9.1 years |
| Toyota Tacoma | 9.0 years |
| Nissan Titan | 8.9 years |
| Toyota Tundra | 8.8 years |
| Ram 1500 | 8.7 years |
| Chevrolet Silverado 1500 | 8.6 years |
| GMC Sierra 1500 | 8.5 years |
| Ford F-150 | 8.5 years |
These figures describe average ownership duration; they do not measure repair bills, survival rates, or total cost. They also do not supply the missing 10-year costs for these models, much less for ten specified new-truck configurations.
What resale information can—and cannot—tell you
Resale value matters because it changes depreciation, but a broad award or five-year projection is not a 10-year resale estimate. Kelley Blue Book named the Toyota Tundra the full-size pickup category winner in its 2026 Best Resale Value announcement. Separately, KBB projected that vehicles in its overall 2026 Top 10 for Best Resale Value would retain around 55% or more of MSRP after five years. The overall Top 10 projection is not a Tundra-specific residual percentage, a pickup-wide result, or an estimate for year ten.
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For an individual comparison, use resale assumptions tied to the exact vehicle and time horizon, and identify them as estimates. A model’s five-year resale signal can inform discussion, but it cannot establish its sale price a decade after purchase.
How to compare 10 new pickups without overstating the numbers
- Choose the ten vehicles and configurations. Name the model year, trim, cab, bed, drivetrain, and engine. A model name alone is not enough to reproduce a cost estimate.
- Set one ownership scenario. Use the same ten-year period, annual mileage, geography, fuel-price basis, insurance profile, and financing assumptions for every truck.
- Use a consistent category definition. State whether the total includes depreciation, interest, taxes and registration, insurance, fuel, maintenance, and repairs. Keep sale proceeds in the depreciation calculation rather than treating them as an unexplained discount.
- Estimate years six through ten explicitly. Use an identified method for later maintenance, repairs, and resale; do not silently extend a five-year estimate or assume a linear depreciation curve.
- Publish the assumptions beside the results. Show each category and the total, label modeled values as estimates, and explain how inflation or discounting is handled. If a value is not available, say so instead of filling it with a guess.
Until those choices and a reproducible ten-year dataset are available, the fairest answer is that the cited sources establish selected five-year examples, not the real 10-year cost of ten new pickups. For a shopper, the practical use of the figures is to inspect the cost categories and assumptions—not to treat either five-year total as a personal quote or ten-year prediction.
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