2026 Volvo XC40: real cost in Ontario
See the XC40 on Volvo's site ↗Prices read 2026-11-06
Cheapest trim, Core B5 AWD Mild hybrid (Gas) · Toronto · age 35–59 · 6 years · 18,000 km a yearChange
Sticker$45,650the advertised price
Drive away$55,640with fees and HST
Loan payment$851/mo72-month loan at 6.5%, $5,000 down
True cost$1,307/moeverything, after resale
$55,640 to drive away + $62,127 to run it for 6 years − $23,668 back at resale = $94,099, or $1,307 a month.
Where the money goes
Drive away$55,640
Running it, 6 yrs+$62,127
Back at resale−$23,668
Sticker pricethe advertised MSRP
+$45,650Feesfreight $2,770 · dealer $699 · levies $120
+$3,589HST, 13%Ontario
+$6,401Fuel18,000 km a year at 9.1 L/100 km
+$15,233Insuranceestimate, age 35–59, Toronto
+$13,594Lost return on your money5% a year on the down payment and each payment
+$11,470Maintenanceestimate
+$11,088Loan interest6.5% over 72 months
+$10,650Registration and plates6 years in Ontario
+$91Resale after 6 years52% of MSRP, you get this back
−$23,668True cost $94,099 ÷ 72 months$1,307 a month
The car
Size and space
BodySport Utility4.44 m long
Seats5
Cargo569 Lbehind row 2
Engine and fuel
Engine247 hp hybrid
0–100 km/h6.4 sVolvo's figure
Fuel use9.1 L/100 kmNatural Resources Canada
TowingUp to 3,550 lb
Tires18", 19" or 20"by trim
Safety and cover
US crash test✓ 5 of 5 starsNHTSA · see the test ↗
Highway assistSteers and brakeshands on the wheel · some trims or an option
Insurance claimsAbout averagecollision 93 · theft 38 · injury 98 (100 = avg)
Resale at 6 years52% of MSRPaverage for its type
Every trim
All trims: 247 hp, 9.1 L/100 km, 5 seats.| Core B5 AWD Mild hybrid (Gas) | $45,650 | $55,640 | $94,099 | ✓ $1,307/mo |
| Plus B5 AWD Mild hybrid (Gas) | $51,450 | $62,194 | $102,178 | $1,419/mo |
| Ultra B5 AWD Mild hybrid (Gas) | $56,000 | $67,336 | $106,762 | $1,483/mo |
| Black Edition B5 AWD Mild hybrid (Gas) | $57,000 | $68,466 | $107,983 | $1,500/mo |
Core B5 AWD Mild hybrid (Gas)
✓ $1,307/mo
True cost
Plus B5 AWD Mild hybrid (Gas)
$1,419/mo
True cost
Ultra B5 AWD Mild hybrid (Gas)
$1,483/mo
True cost
Black Edition B5 AWD Mild hybrid (Gas)
$1,500/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
Core B5 AWD Mild hybrid (Gas)$45,650
Plus B5 AWD Mild hybrid (Gas)$51,450
Ultra B5 AWD Mild hybrid (Gas)$56,000
Safety and driver assist
Automatic braking
✓ Every trim
Blind-spot monitor
✓ Every trim
Adaptive cruise
✓ Every trim
Lane centering
✓ from Ultra B5 AWD Mild hybrid (Gas)
360° camera
✓ Every trim
Parking sensors
✓ Every trim
Comfort
Heated seats
✓ Every trim
Heated rear seats
+ $1,100
Convenience
Power liftgate
✓ Every trim
Wireless phone charging
✓ Every trim
Power driver's seat
✓ Every trim
Memory seat
✓ Every trim
Tech and audio
Built-in navigation
✓ Every trim
Premium sound system
+ $1,250
✓ from Ultra B5 AWD Mild hybrid (Gas)
Capability and looks
Tow hitch included
+ $2,065 on every trim
Sunroof
✓ Every trim
Panoramic roof
✓ Every trim
Volvo lists only a few items for this model, so features not shown above may still be fitted; check with the dealer.
Full standard equipment on the Core B5 AWD Mild hybrid (Gas) (12 items)
- Power driver seat with memory
- Keyless entry with hands-free power tailgate
- Wireless phone charging
- Power 4-way lumbar support
- BLIS (Blind Spot Information System)
- Adaptive cruise control
- High Performance audio system
- Google built-in
- Park assist, rear and front
- Tinted rear windows
- Panoramic roof
- 360° camera
Quick answers
- How much is a 2026 XC40 in Ontario?
- $55,640 to drive away for the Core B5 AWD Mild hybrid (Gas), from a $45,650 sticker.
- What does it cost a month?
- A $851 loan payment, about $1,407 a month with insurance, fuel and upkeep ($5,000 down); about $1,307 a month all in, after resale.
- How much can it tow?
- 3,550 lb for every trim.
Colours
Onyx BlackCrystal WhiteDenim BlueVapour GreyCloud BlueAurora Silver+$900Sand Dune+$900
Similar SUVs
Prices from Volvo's Volvo Cars Canada configurator (Ontario, N9V 1A1; prices include fees, MSRP = total - fee lines); may have changed, so confirm with a dealer. Insurance and maintenance are estimates. How we count.