Kia Niro EV vs Toyota bZ: cost to own

Verdict, over 6 years

The Toyota bZ costs about $2,183 less

That's $30 a month. Closest matching trims: same fuel and drive where possible.

Niro EV Wind$1,085/moTrue cost

bZ XLE FWD✓ $1,054/moTrue cost

2026 Kia Niro EV

Closest matching trim: Niro EV Wind

Sticker (MSRP)$45,595

+$4,176→↓Freight, fees, HST

Drive away$49,771

+ running costs→↓− $15,520 resale

True cost$1,085/moA month to own, after resale

2027 Toyota bZ

Closest matching trim: bZ XLE FWD

Sticker (MSRP)$45,985

+$4,460→↓Freight, fees, HST

Drive away$50,445

+ running costs→↓− $18,414 resale

True cost$1,054/moA month to own, after resale

Line by line


Price
Sticker (MSRP)	✓ $45,595	$45,985	Niro EV by $390
Freight and fees, before tax	✓ $2,875	$3,081	Niro EV by $206
Sales tax (HST)	✓ $6,301	$6,379	Niro EV by $78
EV rebate	−$5,000	−$5,000	—
Drive-away price	✓ $49,771	$50,445	Niro EV by $674
Running costs, 6 years
Fuel or charging	$3,128	✓ $2,707	bZ by $421
Insurance (estimate)	✓ $15,111	$15,177	Niro EV by $66
Maintenance (estimate)	✓ $5,750	$5,872	Niro EV by $122
Loan rate	6.5%	6.5%	—
Loan interest	✓ $9,416	$9,558	Niro EV by $142
Lost return on your money	✓ $10,338	$10,468	Niro EV by $130
Resale after 6 yrs	−$15,520	✓ −$18,414	bZ by $2,894
Total
True cost	$78,086	✓ $75,904	bZ by $2,182
True cost a month	$1,085/mo	✓ $1,054/mo	bZ by $31
You pay each month	✓ $1,087/mo	$1,095/mo	Niro EV by $8
Practical
Fuel type	Electric	Electric	—
Seats	5	5	—
Carry-ons, 2 people	5	7	—
Fast charge, minutes	43 (10-80%)	30 (10-80%)	—
Cargo behind row 2, litres	646	✓ 784	—
Range, km (winter about 70%)	✓ 407 (285)	380 (266)	—
Length	4.42 m	4.69 m	—
Ground clearance	15 cm	✓ 21 cm	—
Resale % after 6 yrs	34%	✓ 40%	—
US crash test	Not rated yet	✓ 5★	—
European crash test	✓ 4★ (2022); 5★ with pack	5★ (2025)	—

Price

Sticker (MSRP)

Niro EV Wind ✓ $45,595bZ XLE FWD $45,985Cheaper by Niro EV by $390

Freight and fees, before tax

Niro EV Wind ✓ $2,875bZ XLE FWD $3,081Cheaper by Niro EV by $206

Sales tax (HST)

Niro EV Wind ✓ $6,301bZ XLE FWD $6,379Cheaper by Niro EV by $78

EV rebate

Niro EV Wind −$5,000bZ XLE FWD −$5,000Cheaper by —

Drive-away price

Niro EV Wind ✓ $49,771bZ XLE FWD $50,445Cheaper by Niro EV by $674

Running costs, 6 years

Fuel or charging

Niro EV Wind $3,128bZ XLE FWD ✓ $2,707Cheaper by bZ by $421

Insurance (estimate)

Niro EV Wind ✓ $15,111bZ XLE FWD $15,177Cheaper by Niro EV by $66

Maintenance (estimate)

Niro EV Wind ✓ $5,750bZ XLE FWD $5,872Cheaper by Niro EV by $122

Loan rate

Niro EV Wind 6.5%bZ XLE FWD 6.5%Cheaper by —

Loan interest

Niro EV Wind ✓ $9,416bZ XLE FWD $9,558Cheaper by Niro EV by $142

Lost return on your money

Niro EV Wind ✓ $10,338bZ XLE FWD $10,468Cheaper by Niro EV by $130

Resale after 6 yrs

Niro EV Wind −$15,520bZ XLE FWD ✓ −$18,414Cheaper by bZ by $2,894

Total

True cost

Niro EV Wind $78,086bZ XLE FWD ✓ $75,904Cheaper by bZ by $2,182

True cost a month

Niro EV Wind $1,085/mobZ XLE FWD ✓ $1,054/moCheaper by bZ by $31

You pay each month

Niro EV Wind ✓ $1,087/mobZ XLE FWD $1,095/moCheaper by Niro EV by $8

Practical

Fuel type

Niro EV Wind ElectricbZ XLE FWD ElectricCheaper by —

Seats

Niro EV Wind 5bZ XLE FWD 5Cheaper by —

Carry-ons, 2 people

Niro EV Wind 5bZ XLE FWD 7Cheaper by —

Fast charge, minutes

Niro EV Wind 43 (10-80%)bZ XLE FWD 30 (10-80%)Cheaper by —

Cargo behind row 2, litres

Niro EV Wind 646bZ XLE FWD ✓ 784Cheaper by —

Range, km (winter about 70%)

Niro EV Wind ✓ 407 (285)bZ XLE FWD 380 (266)Cheaper by —

Length

Niro EV Wind 4.42 mbZ XLE FWD 4.69 mCheaper by —

Ground clearance

Niro EV Wind 15 cmbZ XLE FWD ✓ 21 cmCheaper by —

Resale % after 6 yrs

Niro EV Wind 34%bZ XLE FWD ✓ 40%Cheaper by —

US crash test

Niro EV Wind Not rated yetbZ XLE FWD ✓ 5★Cheaper by —

European crash test

Niro EV Wind ✓ 4★ (2022); 5★ with packbZ XLE FWD 5★ (2025)Cheaper by —

✓ marks the better figure. Resale is from used prices: the Niro EV from its own, the bZ typical for its type and brand. Their stickers differ by $390.