2027 BMW X5: real cost in Ontario
See the X5 on BMW's site ↗Prices read 2026-11-06
Cheapest trim, 40 xDrive · Toronto · age 35–59 · 6 years · 18,000 km a yearChange
Sticker$95,500the advertised price
Drive away$112,091with fees and HST
Loan payment$1,800/mo72-month loan at 6.5%, $5,000 down
True cost$2,423/moeverything, after resale
$112,091 to drive away + $98,636 to run it for 6 years − $36,299 back at resale = $174,428, or $2,423 a month.
Where the money goes
Drive away$112,091
Running it, 6 yrs+$98,636
Back at resale−$36,299
Sticker pricethe advertised MSRP
+$95,500Feesfreight $2,955 · dealer $595 · levies $146
+$3,696HST, 13%Ontario
+$12,895Loan interest6.5% over 72 months
+$22,523Lost return on your money5% a year on the down payment and each payment
+$22,361Insuranceestimate, age 35–59, Toronto
+$20,918Fuel18,000 km a year at 9.4 L/100 km
+$18,781Maintenanceestimate
+$13,961Registration and plates6 years in Ontario
+$91Resale after 6 years38% of MSRP, you get this back
−$36,299True cost $174,428 ÷ 72 months$2,423 a month
The car
Size and space
BodySport Utility5.01 m long
Seats5
CargoNot published
Engine and fuel
Engine394 hp premium gas, AWD
0–100 km/h5.5 sour estimate from power and weight
Fuel use9.4 L/100 kmNatural Resources Canada
TowingUp to 7,700 lb
Tires20"265/55R20
Safety and cover
US crash test4 of 5 starsNHTSA · see the test ↗
Insurance claimsWell above averagecollision 197 · theft 287 · injury 44 (100 = avg)
Resale at 6 years38% of MSRPthis model's own record
Every trim
All trims: AWD, 394 hp, 9.4 L/100 km, 5 seats.| 40 xDrive | $95,500 | $112,091 | $174,428 | $2,423/mo |
40 xDrive
$2,423/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
40 xDrive$95,500
Safety and driver assist
Automatic braking
✓ Every trim
Blind-spot monitor
✓ Every trim
Adaptive cruise
✓ Every trim
Parking sensors
+ $6,500
Comfort
Heated seats
✓ Every trim
Cooled seats
+ $6,500
Heated steering wheel
✓ Every trim
Heated rear seats
+ $6,500
Dual-zone climate
+ $600
Massaging seats
+ $6,500
Tech and audio
Premium sound system
+ $6,500
Head-up display
✓ Every trim
Capability and looks
AWD or 4WD
✓ Every trim
Tow hitch included
+ $750
Sunroof
✓ Every trim
Panoramic roof
✓ Every trim
LED headlights
✓ Every trim
Not listed on any trimRear cross-traffic alertLane centeringHands-free driving360° cameraPush-button startRemote startPower liftgateWireless phone chargingPower driver's seatMemory seatApple CarPlay and Android AutoWireless CarPlayBuilt-in navigationLarge touchscreen (12 in+)
Full standard equipment on the 40 xDrive (23 items)
- BMW Panoramic Vision
- SiriusXM Satellite Radio
- C02 Scope
- 48V Mild Hybrid System
- Driving Assistant Plus Incl. Stop-and-Go
- Automatic Transmission w/ Paddle Shifters
- Heated Steering Wheel
- Panoramic Glass Sunroof
- Radio Control Code
- Sport Seats
- HiFi Sound System
- Adaptive LED Headlights
- Visible VIN
- Emissions Technology, Tier 4
- Alarm System
- Hot-Climate Version
- English Language Version
- Intelligent Emergency Call
- Teleservices
- BMW 3D Head-Up Display
- Satin Aluminum Roof Rails
- Cold-Climate Version
- Acoustic Protection for Pedestrians
Quick answers
- How much is a 2027 X5 in Ontario?
- $112,091 to drive away for the 40 xDrive, from a $95,500 sticker.
- What does it cost a month?
- A $1,800 loan payment, about $2,547 a month with insurance, fuel and upkeep ($5,000 down); about $2,423 a month all in, after resale.
- How much can it tow?
- 7,700 lb for every trim.
Colours
Carbon Black MetallicSpace Silver MetallicMineral White MetallicBlack Sapphire MetallicTanzanite Blue Metallic+$1,000Dravit Grey Metallic+$1,000Pine Grey MetallicVancouver Green MetallicAlpine White Non-Metallic
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.