Kia Niro EV vs Toyota C-HR: cost to own

Verdict, over 6 years

The Toyota C-HR costs about $3,598 less

That's $50 a month. Closest matching trims: same fuel and drive where possible.

Niro EV Wind$1,085/moTrue cost

C-HR SE FWD✓ $1,035/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 C-HR

Closest matching trim: C-HR SE FWD

Sticker (MSRP)$44,895

+$4,318→↓Freight, fees, HST

Drive away$49,213

+ running costs→↓− $17,978 resale

True cost$1,035/moA month to own, after resale

Line by line


Price
Sticker (MSRP)	$45,595	✓ $44,895	C-HR by $700
Freight and fees, before tax	✓ $2,875	$3,081	Niro EV by $206
Sales tax (HST)	$6,301	✓ $6,237	C-HR by $64
EV rebate	−$5,000	−$5,000	—
Drive-away price	$49,771	✓ $49,213	C-HR by $558
Running costs, 6 years
Fuel or charging	$3,128	✓ $2,724	C-HR by $404
Insurance (estimate)	$15,111	✓ $15,045	C-HR by $66
Maintenance (estimate)	✓ $5,750	$5,863	Niro EV by $113
Loan rate	6.5%	6.5%	—
Loan interest	$9,416	✓ $9,299	C-HR by $117
Lost return on your money	$10,338	✓ $10,230	C-HR by $108
Resale after 6 yrs	−$15,520	✓ −$17,978	C-HR by $2,458
Total
True cost	$78,086	✓ $74,488	C-HR by $3,598
True cost a month	$1,085/mo	✓ $1,035/mo	C-HR by $50
You pay each month	$1,087/mo	✓ $1,073/mo	C-HR by $14
Practical
Fuel type	Electric	Electric	—
Seats	5	5	—
Carry-ons, 2 people	5	6	—
Fast charge, minutes	43 (10-80%)	30 (10-80%)	—
Cargo behind row 2, litres	646	✓ 716	—
Range, km (winter about 70%)	407 (285)	✓ 496 (347)	—
Length	4.42 m	4.52 m	—
Ground clearance	15 cm	✓ 20 cm	—
Resale % after 6 yrs	34%	✓ 40%	—
US crash test	Not rated yet	Not rated yet	—
European crash test	✓ 4★ (2022); 5★ with pack	5★ (2025)	—

Price

Sticker (MSRP)

Niro EV Wind $45,595C-HR SE FWD ✓ $44,895Cheaper by C-HR by $700

Freight and fees, before tax

Niro EV Wind ✓ $2,875C-HR SE FWD $3,081Cheaper by Niro EV by $206

Sales tax (HST)

Niro EV Wind $6,301C-HR SE FWD ✓ $6,237Cheaper by C-HR by $64

EV rebate

Niro EV Wind −$5,000C-HR SE FWD −$5,000Cheaper by —

Drive-away price

Niro EV Wind $49,771C-HR SE FWD ✓ $49,213Cheaper by C-HR by $558

Running costs, 6 years

Fuel or charging

Niro EV Wind $3,128C-HR SE FWD ✓ $2,724Cheaper by C-HR by $404

Insurance (estimate)

Niro EV Wind $15,111C-HR SE FWD ✓ $15,045Cheaper by C-HR by $66

Maintenance (estimate)

Niro EV Wind ✓ $5,750C-HR SE FWD $5,863Cheaper by Niro EV by $113

Loan rate

Niro EV Wind 6.5%C-HR SE FWD 6.5%Cheaper by —

Loan interest

Niro EV Wind $9,416C-HR SE FWD ✓ $9,299Cheaper by C-HR by $117

Lost return on your money

Niro EV Wind $10,338C-HR SE FWD ✓ $10,230Cheaper by C-HR by $108

Resale after 6 yrs

Niro EV Wind −$15,520C-HR SE FWD ✓ −$17,978Cheaper by C-HR by $2,458

Total

True cost

Niro EV Wind $78,086C-HR SE FWD ✓ $74,488Cheaper by C-HR by $3,598

True cost a month

Niro EV Wind $1,085/moC-HR SE FWD ✓ $1,035/moCheaper by C-HR by $50

You pay each month

Niro EV Wind $1,087/moC-HR SE FWD ✓ $1,073/moCheaper by C-HR by $14

Practical

Fuel type

Niro EV Wind ElectricC-HR SE FWD ElectricCheaper by —

Seats

Niro EV Wind 5C-HR SE FWD 5Cheaper by —

Carry-ons, 2 people

Niro EV Wind 5C-HR SE FWD 6Cheaper by —

Fast charge, minutes

Niro EV Wind 43 (10-80%)C-HR SE FWD 30 (10-80%)Cheaper by —

Cargo behind row 2, litres

Niro EV Wind 646C-HR SE FWD ✓ 716Cheaper by —

Range, km (winter about 70%)

Niro EV Wind 407 (285)C-HR SE FWD ✓ 496 (347)Cheaper by —

Length

Niro EV Wind 4.42 mC-HR SE FWD 4.52 mCheaper by —

Ground clearance

Niro EV Wind 15 cmC-HR SE FWD ✓ 20 cmCheaper by —

Resale % after 6 yrs

Niro EV Wind 34%C-HR SE FWD ✓ 40%Cheaper by —

US crash test

Niro EV Wind Not rated yetC-HR SE FWD Not rated yetCheaper by —

European crash test

Niro EV Wind ✓ 4★ (2022); 5★ with packC-HR SE FWD 5★ (2025)Cheaper by —

✓ marks the better figure. Resale is from used prices: the Niro EV from its own, the C-HR typical for its type and brand. Their stickers differ by $700.