GMC Sierra 3500HD vs Ram 3500: cost to own

Verdict, over 6 years

The Ram 3500 costs about $7,999 less

That's $111 a month. Closest matching trims: same fuel and drive where possible.

Sierra 3500HD Pro 2WD$1,682/moTrue cost

3500 Tradesman✓ $1,571/moTrue cost

2026 GMC Sierra 3500HD

Closest matching trim: Sierra 3500HD Pro 2WD

Sticker (MSRP)$68,799

+$12,948→↓Freight, fees, HST

Drive away$81,747

+ running costs→↓− $38,835 resale

True cost$1,682/moA month to own, after resale

2026 Ram 3500

Closest matching trim: 3500 Tradesman

Sticker (MSRP)$66,945

+$12,651→↓Freight, fees, HST

Drive away$79,596

+ running costs→↓− $37,789 resale

True cost$1,571/moA month to own, after resale

Line by line


Price
Sticker (MSRP)	$68,799	✓ $66,945	3500 by $1,854
Freight and fees, before tax	$3,544	✓ $3,494	3500 by $50
Sales tax (HST)	$9,405	✓ $9,157	3500 by $248
Drive-away price	$81,747	✓ $79,596	3500 by $2,151
Running costs, 6 years
Fuel or charging	$23,938	✓ $15,066	3500 by $8,872
Insurance (estimate)	✓ $12,736	$16,167	Sierra 3500HD by $3,431
Maintenance (estimate)	$8,815	✓ $8,228	3500 by $587
Loan rate	6.5%	6.5%	—
Loan interest	$16,141	✓ $15,689	3500 by $452
Lost return on your money	$16,507	✓ $16,092	3500 by $415
Resale after 6 yrs	✓ −$38,835	−$37,789	Sierra 3500HD by $1,046
Total
True cost	$121,139	✓ $113,140	3500 by $7,999
True cost a month	$1,682/mo	✓ $1,571/mo	3500 by $111
You pay each month	$1,923/mo	✓ $1,803/mo	3500 by $120
Practical
Fuel type	Gas	Gas	—
Seats	3	3	—
Carry-ons, 2 people	Open bed	Open bed	—
Towing, lb	14,500	✓ 15,500	—
Cargo behind row 2, litres	Not published	Not published	—
Length	—	5.89 m	—
Ground clearance	—	20 cm	—
Resale % after 6 yrs	56%	56%	—
US crash test	Not rated yet	Not rated yet	—

Price

Sticker (MSRP)

Sierra 3500HD Pro 2WD $68,7993500 Tradesman ✓ $66,945Cheaper by 3500 by $1,854

Freight and fees, before tax

Sierra 3500HD Pro 2WD $3,5443500 Tradesman ✓ $3,494Cheaper by 3500 by $50

Sales tax (HST)

Sierra 3500HD Pro 2WD $9,4053500 Tradesman ✓ $9,157Cheaper by 3500 by $248

Drive-away price

Sierra 3500HD Pro 2WD $81,7473500 Tradesman ✓ $79,596Cheaper by 3500 by $2,151

Running costs, 6 years

Fuel or charging

Sierra 3500HD Pro 2WD $23,9383500 Tradesman ✓ $15,066Cheaper by 3500 by $8,872

Insurance (estimate)

Sierra 3500HD Pro 2WD ✓ $12,7363500 Tradesman $16,167Cheaper by Sierra 3500HD by $3,431

Maintenance (estimate)

Sierra 3500HD Pro 2WD $8,8153500 Tradesman ✓ $8,228Cheaper by 3500 by $587

Loan rate

Sierra 3500HD Pro 2WD 6.5%3500 Tradesman 6.5%Cheaper by —

Loan interest

Sierra 3500HD Pro 2WD $16,1413500 Tradesman ✓ $15,689Cheaper by 3500 by $452

Lost return on your money

Sierra 3500HD Pro 2WD $16,5073500 Tradesman ✓ $16,092Cheaper by 3500 by $415

Resale after 6 yrs

Sierra 3500HD Pro 2WD ✓ −$38,8353500 Tradesman −$37,789Cheaper by Sierra 3500HD by $1,046

Total

True cost

Sierra 3500HD Pro 2WD $121,1393500 Tradesman ✓ $113,140Cheaper by 3500 by $7,999

True cost a month

Sierra 3500HD Pro 2WD $1,682/mo3500 Tradesman ✓ $1,571/moCheaper by 3500 by $111

You pay each month

Sierra 3500HD Pro 2WD $1,923/mo3500 Tradesman ✓ $1,803/moCheaper by 3500 by $120

Practical

Fuel type

Sierra 3500HD Pro 2WD Gas3500 Tradesman GasCheaper by —

Seats

Sierra 3500HD Pro 2WD 33500 Tradesman 3Cheaper by —

Carry-ons, 2 people

Sierra 3500HD Pro 2WD Open bed3500 Tradesman Open bedCheaper by —

Towing, lb

Sierra 3500HD Pro 2WD 14,5003500 Tradesman ✓ 15,500Cheaper by —

Cargo behind row 2, litres

Sierra 3500HD Pro 2WD Not published3500 Tradesman Not publishedCheaper by —

Length

Sierra 3500HD Pro 2WD —3500 Tradesman 5.89 mCheaper by —

Ground clearance

Sierra 3500HD Pro 2WD —3500 Tradesman 20 cmCheaper by —

Resale % after 6 yrs

Sierra 3500HD Pro 2WD 56%3500 Tradesman 56%Cheaper by —

US crash test

Sierra 3500HD Pro 2WD Not rated yet3500 Tradesman Not rated yetCheaper by —

✓ marks the better figure. Resale for both is typical for their type and brand (unless you lease). Their stickers differ by $1,854.