2027 BMW XM: real cost in Ontario
See the XM on BMW's site ↗Prices read 2026-11-06
Cheapest trim, Label · Toronto · age 35–59 · 6 years · 18,000 km a yearChange
Sticker$220,000the advertised price
Drive away$277,636with fees and HST
Loan payment$4,583/mo72-month loan at 6.5%, $5,000 down
True cost$4,876/moeverything, after resale
$277,636 to drive away + $172,526 to run it for 6 years − $99,113 back at resale = $351,049, or $4,876 a month.
Where the money goes
Drive away$277,636
Running it, 6 yrs+$172,526
Back at resale−$99,113
Sticker pricethe advertised MSRP
+$220,000Feesfreight $2,955 · dealer $595 · levies $146 · luxury tax $22,000
+$25,696HST, 13%Ontario
+$31,940Loan interest6.5% over 72 months
+$57,340Lost return on your money5% a year on the down payment and each payment
+$54,300Insuranceestimate, age 35–59, Toronto
+$34,710Maintenanceestimate
+$13,961Fuel and charging18,000 km a year at 17 L/100 km
+$12,125Registration and plates6 years in Ontario
+$91Resale after 6 years45% of MSRP, you get this back
−$99,113True cost $351,049 ÷ 72 months$4,876 a month
The car
Size and space
BodySport Utility5.11 m long
Seats5
CargoNot published
Engine and fuel
Engine738 hp plug-in hybrid, RWD
0–100 km/h4.0 sour estimate from power and weight
Fuel use17.0 L/100 km · 44.5 kWh/100 kmNatural Resources Canada
TowingUp to 5,950 lb
Tires21"275/45R21
Safety and cover
US crash testNot rated yet
Resale at 6 years45% of MSRPaverage for its type
Every trim
All trims: RWD, 738 hp, 17 L/100 km, 5 seats.| Label | $220,000 | $277,636 | $351,049 | $4,876/mo |
Label
$4,876/mo
True cost
Features, trim by trim
Cheapest on the left. Each bar starts at the trim that adds it.Feature
Label$220,000
Safety and driver assist
360° camera
✓ Every trim
Parking sensors
✓ Every trim
Comfort
Heated seats
✓ Every trim
Convenience
Push-button start
✓ Every trim
Tech and audio
Premium sound system
✓ Every trim
Not listed on any trimAutomatic brakingBlind-spot monitorRear cross-traffic alertAdaptive cruiseLane centeringHands-free drivingCooled seatsHeated steering wheelHeated rear seatsDual-zone climateMassaging seatsRemote startPower liftgateWireless phone chargingPower driver's seatMemory seatApple CarPlay and Android AutoWireless CarPlayBuilt-in navigationHead-up displayLarge touchscreen (12 in+)AWD or 4WDTow hitch includedSunroofPanoramic roofLED headlights
Full standard equipment on the Label (38 items)
- BMW Iconic Exterior Illumination
- Black Exterior Contents
- M Sport Differential
- Travel and Comfort System
- Heated Seats, Front
- C02 Scope
- Sport Automatic Transmission w/ Paddle Shifters
- Parking Assistant Plus incl. Surround View
- Universal Garage Door Opener
- Alarm System
- Heated and Cooled Cupholders
- BMW IconicSounds Electric
- Ambient Lighting
- Harman/Kardon Surround Sound System
- Acoustic Protection for Pedestrians
- Comfort Access
- Soft Close Doors
- High-Beam Assistant
- M Sport Brakes, Black
- SiriusXM Satellite Radio
- Active Protection
- Radio Control Code
- Digital Cockpit Professional
- Charging Socket
- Preparation for Trailer Tow Hitch
- Visible VIN
- Emissions Technology, SULEV30
- Tire Repair Kit
- A/C Refrigerant
- Hot-Climate Version
- Adaptive M Suspension Pro w/ Active Roll Stabilization
- M Multifunction Seats
- 21" M Lt/Aly wheels double spoke 918 M /MT
- Signature M Carbon Fibre Trim
- English Language Version
- Intelligent Emergency Call
- Teleservices
- Cold-Climate Version
Quick answers
- How much is a 2027 XM in Ontario?
- $277,636 to drive away for the Label, from a $220,000 sticker.
- What does it cost a month?
- A $4,583 loan payment, about $5,429 a month with insurance, fuel and upkeep ($5,000 down); about $4,876 a month all in, after resale.
- How much can it tow?
- 5,950 lb for every trim.
Colours
BMW Individual Manufaktur PaintworkCape York Green MetallicBrooklyn Grey MetallicIsle of Man Green MetallicSao Paulo Yellow Non-MetallicBlack Sapphire MetallicToronto Red MetallicDravit Grey MetallicCarbon Black MetallicMineral White MetallicMarina Bay Blue Metallic
Head to head
vs Land Rover Defender OCTASimilar 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.