2026 Toyota Camry: real cost in Ontario
See the Camry on Toyota's site ↗Prices read 2026-10-29
Cheapest trim, Hybrid SE FWD · Toronto · age 35–59 · 6 years · 18,000 km a yearChange
Sticker$35,075the advertised price
Drive away$43,039with fees and HST
Loan payment$639/mo72-month loan at 6.5%, $5,000 down
True cost$1,064/moeverything, after resale
$43,039 to drive away + $53,794 to run it for 6 years − $20,205 back at resale = $76,628, or $1,064 a month.
Where the money goes
Drive away$43,039
Running it, 6 yrs+$53,794
Back at resale−$20,205
Sticker pricethe advertised MSRP
+$35,075Feesfreight $1,860 · dealer $999 · levies $154
+$3,013HST, 13%Ontario
+$4,951Insuranceestimate, age 35–59, Toronto
+$21,116Lost return on your money5% a year on the down payment and each payment
+$9,039Fuel18,000 km a year at 5 L/100 km
+$8,370Loan interest6.5% over 72 months
+$8,000Maintenanceestimate
+$7,177Registration and plates6 years in Ontario
+$91Resale after 6 years58% of MSRP, you get this back
−$20,205True cost $76,628 ÷ 72 months$1,064 a month
The car
Size and space
Body4Dr. Sedan4.92 m long
Seats5
Cargo428 Lbehind row 2
Ground clearance14 cmlow; watch steep driveways
Engine and fuel
Engine225–232 hp hybrid, FWD, AWD
0–100 km/h6.9–7.2 sour estimate from power and weight
Fuel use5.0–5.5 L/100 kmNatural Resources Canada
TowingNot published
Tires16", 18" or 19"by trim
Safety and cover
US crash test✓ 5 of 5 starsNHTSA · see the test ↗
Highway assistHands-free in traffic jamsunder about 40 km/h · some trims or an option
Insurance claimsWell above averagecollision 222 · theft 149 · injury 172 (100 = avg)
Warranty3 yrs / 60,000 kmpowertrain 5 yrs / 100,000 km · battery 10 yrs / 240,000 km
Resale at 6 years58% of MSRPaverage for its type
Every trim
All trims: 5 seats.| Hybrid SE FWD | $35,075 | $43,039 | $76,628 | ✓ $1,064/mo | 5 L/100 km | — No | — No |
| Hybrid SE FWD | $35,560 | $43,587 | $77,254 | $1,073/mo | 5 L/100 km | — No | — No |
| Hybrid SE FWD SE Upgrade FWD | $37,125 | $45,356 | $79,339 | $1,102/mo | 5 L/100 km | ✓ Yes | — No |
| Hybrid SE FWD SE Upgrade FWD | $37,610 | $45,904 | $79,965 | $1,111/mo | 5 L/100 km | ✓ Yes | — No |
| Hybrid SE Upgrade AWD | $38,770 | $47,215 | $82,530 | $1,146/mo | 5.1 L/100 km | ✓ Yes | ✓ Yes |
| Hybrid SE Upgrade AWD | $39,255 | $47,763 | $83,090 | $1,154/mo | 5.1 L/100 km | ✓ Yes | ✓ Yes |
| Hybrid SE Upgrade AWD Nightshade | $39,897 | $48,488 | $85,080 | $1,182/mo | 5.1 L/100 km | ✓ Yes | ✓ Yes |
| Hybrid SE Upgrade AWD Nightshade | $40,382 | $49,036 | $85,641 | $1,189/mo | 5.1 L/100 km | ✓ Yes | ✓ Yes |
| Hybrid XLE AWD | $45,725 | $55,074 | $91,076 | $1,265/mo | 5.1 L/100 km | ✓ Yes | ✓ Yes |
| Hybrid XLE AWD | $45,795 | $55,153 | $91,148 | $1,266/mo | 5.1 L/100 km | ✓ Yes | ✓ Yes |
| Hybrid XSE AWD | $45,830 | $55,192 | $92,990 | $1,292/mo | 5.5 L/100 km | ✓ Yes | ✓ Yes |
| Hybrid XSE AWD | $45,900 | $55,272 | $93,128 | $1,293/mo | 5.5 L/100 km | ✓ Yes | ✓ Yes |
Hybrid SE FWD
✓ $1,064/mo
True cost
Hybrid SE FWD
$1,073/mo
True cost
Hybrid SE FWDSE Upgrade FWD
$1,102/mo
True cost
Hybrid SE FWDSE Upgrade FWD
$1,111/mo
True cost
Hybrid SE Upgrade AWD
$1,146/mo
True cost
Hybrid SE Upgrade AWD
$1,154/mo
True cost
Hybrid SE Upgrade AWDNightshade
$1,182/mo
True cost
Hybrid SE Upgrade AWDNightshade
$1,189/mo
True cost
Hybrid XLE AWD
$1,265/mo
True cost
Hybrid XLE AWD
$1,266/mo
True cost
Hybrid XSE AWD
$1,292/mo
True cost
Hybrid XSE AWD
$1,293/mo
True cost
Features, trim by trim
Cheapest on the left. Each bar starts at the trim that adds it.Feature
Hybrid SE FWD$35,075
Hybrid SE FWD$35,560
Hybrid SE FWD SE Upgrade FWD$37,125
Hybrid SE FWD SE Upgrade FWD$37,610
Hybrid SE Upgrade AWD$38,770
Hybrid SE Upgrade AWD$39,255
Hybrid SE Upgrade AWD Nightshade$39,897
Hybrid SE Upgrade AWD Nightshade$40,382
Hybrid XLE AWD$45,725
Hybrid XSE AWD$45,830
Safety and driver assist
Automatic braking
✓ Every trim
Blind-spot monitor
✓ Every trim
Rear cross-traffic alert
✓ Every trim
Adaptive cruise
✓ Every trim
Lane centering
✓ Every trim
360° camera
✓ from Hybrid XLE AWD
Comfort
Heated seats
✓ Every trim
Cooled seats
✓ from Hybrid XLE AWD
Heated steering wheel
✓ Hybrid SE FWD to Hybrid SE Upgrade AWD
✓ from Hybrid XLE AWD
Dual-zone climate
✓ Every trim
Convenience
Push-button start
✓ Every trim
Remote start
✓
✓
✓
✓ from Hybrid SE Upgrade AWD Nightshade
Wireless phone charging
✓ Every trim
Power driver's seat
✓ Every trim
Memory seat
✓ from Hybrid XLE AWD
Tech and audio
Apple CarPlay and Android Auto
✓ Every trim
Wireless CarPlay
✓ Every trim
Premium sound system
✓ from Hybrid XLE AWD
Head-up display
✓ from Hybrid XLE AWD
Large touchscreen (12 in+)
✓ from Hybrid XLE AWD
Capability and looks
AWD or 4WD
✓ from Hybrid SE Upgrade AWD
Sunroof
✓ from Hybrid SE FWD SE Upgrade FWD
Panoramic roof
✓ from Hybrid XLE AWD
LED headlights
✓ Every trim
Not listed on any trimHands-free drivingParking sensorsHeated rear seatsMassaging seatsPower liftgateBuilt-in navigationTow hitch included
Full standard equipment on the Hybrid SE FWD (55 items)
- Mudguards
- LED Headlamps
- Heated Side Mirrors
- Drive Mode Select (Sport, Eco and Normal Modes)
- Temporary Spare Tire
- 16" Alloy Wheels
- 5 USB Charging Ports
- 6-speaker Audio System
- Wireless Apple CarPlay Compatibility
- Wireless Android Auto Compatibility
- Bluetooth Capability
- HD Radio
- SiriusXM Audio
- 8" Toyota Multimedia w/ Service/Safety Connect (min 5yr trial), Remote Con.(3yr trial), Drive Con. capable (Sub. Required)
- Dual-zone Automatic Climate Control
- Carpet Floor Mats
- All Season Floor Mats
- 7" Digital Gauge Cluster
- Day and Night Mechanical Rear View Mirror
- 6-way Manual Passenger Seat
- Heated Front Seats
- SofTex/Fabric Seats
- 8-way Power Adjustable Driver Seat With Lumbar Support
- Tilt & Telescopic Steering Wheel
- Heated Leather Wrapped Steering Wheel
- Leather Wrapped Shift Knob
- Cargo Net
- Antilock Braking System (ABS)
- Electric Parking Brake (EPB)
- 2.5-Liter Dynamic Force 4-Cylinder DOHC 16-Valve D-4S Dual-Injection with VVT-iE and VVT-i
- Toyota Hybrid System 5th Generation (THS 5)
- Sport-tuned Suspension
- Paddle Shifters
- Electronically Controlled Continuously Variable Transmission (ECVT)
- Push Button Start
- Wireless Charger
- Front Seat Side Airbags
- Driver and Front Passenger Knee Airbags
- Side Curtain Shield Airbags
- Total Number of Airbags: 8
- Dual Stage Driver & Passenger Airbags
- Vehicle Stability Control (VSC)
- Blind Spot Monitoring System (BSM) with Rear Cross Traffic Alert (RCTA) and Safe Exit Alert (SEA)
- Backup Guide Monitor (BGM)
- Engine Immobilizer
- Anti-Theft Alarm System
- Automatic High Beam (AHB)
- Lane Tracing Assist (LTA)
- Lane Departure Alert (LDA)
- Dynamic Radar Cruise Control (DRCC)
- Road Sign Assist (RSA)
- Pre-Collision System (PCS)
- Proactive Driving Assist (PDA)
- Tire Pressure Monitoring System with Auto Location
- Tire Pressure Monitor System
Recalls in Canada
3 Transport Canada recalls for 2025 to 2027 Camry models. Most are fixed free by a dealer; a new car should have them done before delivery. Ask the dealer to check the VIN.
Visual system2025, 2026 · 11,159 vehicles
On certain vehicles, a software problem could cause the combination meter in the instrument cluster not to display when the vehicle is started.Recall 2026383 at Transport Canada ↗Visual system2025, 2026 · 99,178 vehicles
Under certain conditions, a software problem could cause the rearview camera image to freeze or not to display.Recall 2025594 at Transport Canada ↗Visual system2025 · 70,480 vehicles
On certain vehicles, a software problem could cause the combination meter in the instrument panel not to display when the vehicle is started.Recall 2025469 at Transport Canada ↗Quick answers
- How much is a 2026 Camry in Ontario?
- $43,039 to drive away for the Hybrid SE FWD, from a $35,075 sticker.
- What does it cost a month?
- A $639 loan payment, about $1,150 a month with insurance, fuel and upkeep ($5,000 down); about $1,064 a month all in, after resale.
- How much can it tow?
- The brand doesn't publish a towing capacity.
Colours
WhiteUndergroundHeavy Metal+$350Midnight Black MetallicSupersonic Red+$350Wind Chill Pearl+$350Ocean GemCosmos Blue+$350Wind Chill Pearl with Black Roof+$905Heavy Metal with Black Roof+$905Ocean Gem with Black Roof+$555
Similar cars
Prices from Toyota's Ontario build-and-price page, read 2026-10-29. Insurance and maintenance are estimates. How we count.