2026 BMW X3: real cost in Ontario
See the X3 on BMW's site ↗Prices read 2026-11-06
Cheapest trim, 30 xDrive · Toronto · age 35–59 · 6 years · 18,000 km a yearChange
Sticker$60,400the advertised price
Drive away$72,428with fees and HST
Loan payment$1,133/mo72-month loan at 6.5%, $5,000 down
True cost$1,644/moeverything, after resale
$72,428 to drive away + $75,557 to run it for 6 years − $29,596 back at resale = $118,390, or $1,644 a month.
Where the money goes
Drive away$72,428
Running it, 6 yrs+$75,557
Back at resale−$29,596
Sticker pricethe advertised MSRP
+$60,400Feesfreight $2,955 · dealer $595 · levies $146
+$3,696HST, 13%Ontario
+$8,332Insuranceestimate, age 35–59, Toronto
+$16,431Fuel18,000 km a year at 8.1 L/100 km
+$16,184Lost return on your money5% a year on the down payment and each payment
+$14,709Loan interest6.5% over 72 months
+$14,181Maintenanceestimate
+$13,961Registration and plates6 years in Ontario
+$91Resale after 6 years49% of MSRP, you get this back
−$29,596True cost $118,390 ÷ 72 months$1,644 a month
The car
Size and space
BodySport Utility4.75 m long
Seats5
CargoNot published
Engine and fuel
Engine255–393 hp premium gas, AWD
0–100 km/h4.6–6.3 sBMW's figure
Fuel use8.1–8.6 L/100 kmNatural Resources Canada
TowingUp to 4,850 lb
Tires19" or 20"by trim
Safety and cover
US crash test4 of 5 starsNHTSA · see the test ↗
Insurance claimsAbove averagecollision 191 · theft 126 · injury 60 (100 = avg)
Resale at 6 years49% of MSRPaverage for its type
Every trim
All trims: AWD, 5 seats.| 30 xDrive | $60,400 | $72,428 | $118,390 | ✓ $1,644/mo | 4,000 | 8.1 L/100 km |
| M50 xDrive | $77,900 | $92,203 | $140,476 | $1,951/mo | 4,850 | 8.6 L/100 km |
30 xDrive
✓ $1,644/mo
True cost
M50 xDrive
$1,951/mo
True cost
Features, trim by trim
Cheapest on the left. Each bar starts at the trim that adds it. + $ is the cheapest factory option or package that adds it (hover for its name).Feature
30 xDrive$60,400
M50 xDrive$77,900
Safety and driver assist
Automatic braking
✓ Every trim
Blind-spot monitor
✓ Every trim
Parking sensors
✓ Every trim
Comfort
Heated seats
✓ Every trim
Cooled seats
+ $900 on every trim
Heated rear seats
+ $1,000 on every trim
Convenience
Push-button start
✓ Every trim
Wireless phone charging
✓ Every trim
Power driver's seat
✓ Every trim
Memory seat
✓ Every trim
Tech and audio
Premium sound system
+ $5,250 on every trim
Capability and looks
AWD or 4WD
✓ Every trim
Tow hitch included
+ $750 on every trim
Not listed on any trimRear cross-traffic alertAdaptive cruiseLane centeringHands-free driving360° cameraHeated steering wheelDual-zone climateMassaging seatsRemote startPower liftgateApple CarPlay and Android AutoWireless CarPlayBuilt-in navigationHead-up displayLarge touchscreen (12 in+)SunroofPanoramic roofLED headlights
Full standard equipment on the 30 xDrive (28 items)
- Additional Exterior Designation Removal
- Black Roofliner
- SiriusXM Satellite Radio
- C02 Scope
- 48V Mild Hybrid System
- Driving Assistant
- Automatic Transmission w/ Paddle Shifters
- Decoding for High-Beam Assistance
- Radio Control Code
- Sport Seats
- Parking Assistant
- Wireless Device Charging
- HiFi Sound System
- 19" Wheels, 903, A/S Non-RFT
- Visible VIN
- Emissions Technology, SULEV20
- Tire Pressure Monitoring System
- A/C Refrigerant
- Alarm System
- Hot-Climate Version
- English Language Version
- Power Front Seats w/ Driver Memory
- Intelligent Emergency Call
- Teleservices
- Country-Specific Brake System Equipment
- Cold-Climate Version
- Dark Graphite Trim
- Comfort Access
Quick answers
- How much is a 2026 X3 in Ontario?
- $72,428 to drive away for the 30 xDrive, from a $60,400 sticker.
- What does it cost a month?
- A $1,133 loan payment, about $1,782 a month with insurance, fuel and upkeep ($5,000 down); about $1,644 a month all in, after resale.
- How much can it tow?
- 4,000 lb for the 30 xDrive; 4,850 lb for every other trim.
Colours
Vegas Red Metallic+$900Frozen Deep Grey+$6,000Frozen Pure Grey+$6,000Brooklyn Grey Metallic+$900Dark Graphite Metallic+$900Arctic Race Blue Metallic+$900Black Sapphire Metallic+$900Tanzanite Blue Metallic+$1,500Alpine White Non-MetallicDune Grey Metallic+$900Skyscraper Grey Metallic+$900Mineral White Metallic+$900
Similar SUVs
Prices from BMW's BMW Canada configurator (Ontario pricing); may have changed, so confirm with a dealer. Insurance and maintenance are estimates. How we count.