MINI Countryman vs Volvo XC40: cost to own

Verdict, over 6 years

The Volvo XC40 costs about $2,063 less

That's $29 a month. Closest matching trims: same fuel and drive where possible.

Countryman S All4$1,336/moTrue cost

XC40 Core B5 AWD Mild hybrid (Gas)✓ $1,307/moTrue cost

2026 MINI Countryman

Closest matching trim: Countryman S All4

Sticker (MSRP)$45,990

+$10,200→↓Freight, fees, HST

Drive away$56,190

+ running costs→↓− $21,236 resale

True cost$1,336/moA month to own, after resale

2026 Volvo XC40

Closest matching trim: XC40 Core B5 AWD Mild hybrid (Gas)

Sticker (MSRP)$45,650

+$9,990→↓Freight, fees, HST

Drive away$55,640

+ running costs→↓− $23,668 resale

True cost$1,307/moA month to own, after resale

Line by line


Price
Sticker (MSRP)	$45,990	✓ $45,650	XC40 by $340
Freight and fees, before tax	$3,736	✓ $3,589	XC40 by $147
Sales tax (HST)	$6,464	✓ $6,401	XC40 by $63
Drive-away price	$56,190	✓ $55,640	XC40 by $550
Running costs, 6 years
Fuel or charging	$17,383	✓ $15,233	XC40 by $2,150
Insurance (estimate)	$14,055	✓ $13,594	XC40 by $461
Maintenance (estimate)	✓ $7,336	$11,088	Countryman by $3,752
Loan rate	6.5%	6.5%	—
Loan interest	$10,766	✓ $10,650	XC40 by $116
Lost return on your money	$11,577	✓ $11,470	XC40 by $107
Resale after 6 yrs	−$21,236	✓ −$23,668	XC40 by $2,432
Total
True cost	$96,162	✓ $94,099	XC40 by $2,063
True cost a month	$1,336/mo	✓ $1,307/mo	XC40 by $29
You pay each month	✓ $1,400/mo	$1,407/mo	Countryman by $7
Practical
Fuel type	Premium gas	Hybrid	—
Seats	5	5	—
Carry-ons, 2 people	4	5	—
Towing, lb	3,500	✓ 3,550	—
Cargo behind row 2, litres	505	✓ 569	—
Length	4.44 m	4.44 m	—
Resale % after 6 yrs	46%	✓ 52%	—
US crash test	Not rated yet	✓ 5★ (closest version)	—
European crash test	✓ 5★ (2024)	—	—

Price

Sticker (MSRP)

Countryman S All4 $45,990XC40 Core B5 AWD Mild hybrid (Gas) ✓ $45,650Cheaper by XC40 by $340

Freight and fees, before tax

Countryman S All4 $3,736XC40 Core B5 AWD Mild hybrid (Gas) ✓ $3,589Cheaper by XC40 by $147

Sales tax (HST)

Countryman S All4 $6,464XC40 Core B5 AWD Mild hybrid (Gas) ✓ $6,401Cheaper by XC40 by $63

Drive-away price

Countryman S All4 $56,190XC40 Core B5 AWD Mild hybrid (Gas) ✓ $55,640Cheaper by XC40 by $550

Running costs, 6 years

Fuel or charging

Countryman S All4 $17,383XC40 Core B5 AWD Mild hybrid (Gas) ✓ $15,233Cheaper by XC40 by $2,150

Insurance (estimate)

Countryman S All4 $14,055XC40 Core B5 AWD Mild hybrid (Gas) ✓ $13,594Cheaper by XC40 by $461

Maintenance (estimate)

Countryman S All4 ✓ $7,336XC40 Core B5 AWD Mild hybrid (Gas) $11,088Cheaper by Countryman by $3,752

Loan rate

Countryman S All4 6.5%XC40 Core B5 AWD Mild hybrid (Gas) 6.5%Cheaper by —

Loan interest

Countryman S All4 $10,766XC40 Core B5 AWD Mild hybrid (Gas) ✓ $10,650Cheaper by XC40 by $116

Lost return on your money

Countryman S All4 $11,577XC40 Core B5 AWD Mild hybrid (Gas) ✓ $11,470Cheaper by XC40 by $107

Resale after 6 yrs

Countryman S All4 −$21,236XC40 Core B5 AWD Mild hybrid (Gas) ✓ −$23,668Cheaper by XC40 by $2,432

Total

True cost

Countryman S All4 $96,162XC40 Core B5 AWD Mild hybrid (Gas) ✓ $94,099Cheaper by XC40 by $2,063

True cost a month

Countryman S All4 $1,336/moXC40 Core B5 AWD Mild hybrid (Gas) ✓ $1,307/moCheaper by XC40 by $29

You pay each month

Countryman S All4 ✓ $1,400/moXC40 Core B5 AWD Mild hybrid (Gas) $1,407/moCheaper by Countryman by $7

Practical

Fuel type

Countryman S All4 Premium gasXC40 Core B5 AWD Mild hybrid (Gas) HybridCheaper by —

Seats

Countryman S All4 5XC40 Core B5 AWD Mild hybrid (Gas) 5Cheaper by —

Carry-ons, 2 people

Countryman S All4 4XC40 Core B5 AWD Mild hybrid (Gas) 5Cheaper by —

Towing, lb

Countryman S All4 3,500XC40 Core B5 AWD Mild hybrid (Gas) ✓ 3,550Cheaper by —

Cargo behind row 2, litres

Countryman S All4 505XC40 Core B5 AWD Mild hybrid (Gas) ✓ 569Cheaper by —

Length

Countryman S All4 4.44 mXC40 Core B5 AWD Mild hybrid (Gas) 4.44 mCheaper by —

Resale % after 6 yrs

Countryman S All4 46%XC40 Core B5 AWD Mild hybrid (Gas) ✓ 52%Cheaper by —

US crash test

Countryman S All4 Not rated yetXC40 Core B5 AWD Mild hybrid (Gas) ✓ 5★ (closest version)Cheaper by —

European crash test

Countryman S All4 ✓ 5★ (2024)XC40 Core B5 AWD Mild hybrid (Gas) —Cheaper by —

✓ marks the better figure. Resale for both is typical for their type and brand (unless you lease). These trims differ in fuel (premium gas vs hybrid), which drives part of the gap. Their stickers differ by $340.