2026 Cadillac XT5: real cost in California
See the XT5 on Cadillac's US site ↗US prices read 2026-11-09
Cheapest trim, Luxury · California · age 35–59 · 6 years · 13,500 mi a yearChange
Sticker$44,800the advertised price
Drive away$50,877with fees and tax
Loan payment$782/mo72-month loan at 7%, $5,000 down
True cost$1,452/moeverything, after resale
$50,877 to drive away + $72,292 to run it for 6 years − $18,595 back at resale = $104,574, or $1,452 a month.
Where the money goes
Drive away$50,877
Running it, 6 yrs+$72,292
Back at resale−$18,595
Sticker pricethe advertised MSRP
+$44,800Feesfreight $1,795 · doc fee $85 (typical)
+$1,880Sales and use tax, 8.99%California
+$4,197Fuel13,500 mi a year at 25 MPG
+$18,621Insuranceestimate, age 35–59, California
+$17,787Maintenanceestimate
+$11,627Lost return on your money5% a year on the down payment and each payment
+$10,677Loan interest7% over 72 months
+$10,438Title, registration and plates6 years in California, incl. 0.65% value tax a year
+$3,143Resale after 6 years42% of MSRP, you get this back
−$18,595True cost $104,574 ÷ 72 months$1,452 a month
The car
Size and space
BodyCrossover189.6 in long
Seats5
Cargo30.0 cu ftbehind row 2
Engine and fuel
Engine235–310 hp gas, FWD, AWD
0–60 mph5.6–7.1 sour estimate from power and weight
Fuel economy21–25 MPGEPA combined
TowingUp to 3,500 lb
Tires18"235/60R18
Safety and cover
Crash test✓ 5 of 5 starsNHTSA · see the test ↗
Resale at 6 years42% of MSRPaverage for its type
Every trim
All trims: 5 seats.| Luxury FWD | $44,800 | $50,877 | $104,574 | ✓ $1,452/mo | 1,000 | 25 MPG | — No | — No | — No |
| Luxury AWD | $46,800 | $53,056 | $108,522 | $1,507/mo | 1,000 | 23 MPG | — No | — No | ✓ Yes |
| Premium Luxury FWD | $53,500 | $60,359 | $115,002 | $1,597/mo | 1,000 | 25 MPG | ✓ Yes | ✓ Yes | — No |
| Premium Luxury AWD | $55,600 | $62,647 | $119,066 | $1,654/mo | 1,000 | 23 MPG | ✓ Yes | ✓ Yes | ✓ Yes |
| Premium Luxury 3.6L V6, FWD | $57,575 | $64,800 | $122,273 | $1,698/mo | 3,500 | 22 MPG | — No | ✓ Yes | — No |
| Premium Luxury 3.6L V6, AWD | $59,675 | $67,089 | $125,724 | $1,746/mo | 3,500 | 21 MPG | — No | ✓ Yes | ✓ Yes |
| Sport | $62,800 | $70,495 | $129,470 | $1,798/mo | 3,500 | 21 MPG | — No | — No | ✓ Yes |
LuxuryFWD
✓ $1,452/mo
True cost
LuxuryAWD
$1,507/mo
True cost
Premium LuxuryFWD
$1,597/mo
True cost
Premium LuxuryAWD
$1,654/mo
True cost
Premium Luxury3.6L V6, FWD
$1,698/mo
True cost
Premium Luxury3.6L V6, AWD
$1,746/mo
True cost
Sport
$1,798/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
Luxury FWD$44,800
Luxury AWD$46,800
Premium Luxury FWD$53,500
Premium Luxury AWD$55,600
Premium Luxury 3.6L V6, FWD$57,575
Premium Luxury 3.6L V6, AWD$59,675
Sport$62,800
Safety and driver assist
Automatic braking
✓ Every trim
Adaptive cruise
+ $1,300
360° camera
✓ Premium Luxury FWD to Premium Luxury 3.6L V6, AWD
Parking sensors
✓ Luxury FWD to Luxury AWD
Comfort
Heated seats
✓ Every trim
Cooled seats
✓ from Sport
Dual-zone climate
✓ Luxury FWD to Luxury AWD
+ $1,200
✓ from Sport
Convenience
Push-button start
✓ Every trim
Remote start
✓ Every trim
Power liftgate
✓ Luxury FWD to Luxury AWD
Power driver's seat
✓ Luxury FWD to Luxury AWD
Tech and audio
Apple CarPlay and Android Auto
✓ Every trim
Wireless CarPlay
✓ Every trim
Premium sound system
✓ Luxury FWD to Premium Luxury 3.6L V6, AWD
Head-up display
✓ Premium Luxury FWD to Premium Luxury 3.6L V6, AWD
Capability and looks
AWD or 4WD
✓
✓
✓ from Premium Luxury 3.6L V6, AWD
Tow hitch included
+ $550
Sunroof
✓ Premium Luxury FWD to Premium Luxury 3.6L V6, AWD
LED headlights
✓ Every trim
Not listed on any trimBlind-spot monitorRear cross-traffic alertLane centeringHands-free drivingHeated steering wheelHeated rear seatsMassaging seatsWireless phone chargingMemory seatBuilt-in navigationLarge touchscreen (12 in+)Panoramic roof
Full standard equipment on the Luxury Luxury FWD (88 items)
- 18" Multi-Spoke alloy wheels with Bright Silver finish
- Bose premium 8-speaker audio system
- Wireless Apple CarPlay/Wireless Android Auto capability for compatible phones
- Heated driver and front passenger seats
- HD Rear Vision Camera
- 2.0L Turbo 4-cylinder engine
- 9-speed automatic transmission with 2.0L Turbo engine
- Axle, 3.47 ratio
- Automatic Stop/Start disable switch
- Electronic Precision Shift
- Driver Mode Selector
- Front-wheel drive
- 170-amp alternator
- 4-wheel independent suspension
- Electric Power Steering (EPS) Assist
- Brakes, active control
- 4-wheel antilock disc brakes
- Electronic parking brake
- Capless Fuel Fill
- 18" all-season tires
- 18" spare steel wheel
- Compact spare tire
- Bright brushed aluminum roof rails
- Rear spoiler
- Active aero shutters
- Automatic on/off headlamps
- LED headlamps
- IntelliBeam
- Front cornering lamps
- Rear side marker lamp
- Deep-tinted glass
- Body-color heated power outside mirrors with integrated turn signal indicators
- Windshield, acoustic laminated, windshield and front door glass
- Front intermittent wipers
- Rear intermittent wiper
- Body-color door handles with chrome strip
- Power liftgate
- Cadillac user experience
- Antenna, roof-mounted
- SiriusXM with 360L Trial Subscription
- Wi-Fi Hotspot capable
- Front bucket seats
- Seat trim, Inteluxe seating surfaces
- 6-way power front passenger seat adjuster
- Second row 60/40 seat with slide and recline
- Color-keyed floor mats
- Manual tilt and telescoping steering column
- Wrapped steering wheel
- Remote Start
- Compass display
- Cruise control
- Power door locks
- Dual diagonal color Driver Information Center
- Keyless Open
- Power windows
- Cabin humidity sensor
- Universal Home Remote
- USB ports
- Dual-zone automatic climate control
- Cabin Air Filter
- Rear air vents
- Rear window defogger
- Glovebox, lockable
- Inside rearview manual day/night mirror
- Bumper-to-Bumper Limited Warranty 1
- Corrosion Protection
- Powertrain Limited Warranty 1
- Roadside Assistance Program 1
- Automatic Emergency Braking
- Electronic traction control
- LED Daytime Running Lamps
- Passenger Sensing System
- 7 airbags
- OnStar services capable
- OnStar Basics
- 3 Years OnStar One
- Front and Rear Park Assist
- Following Distance Indicator
- Forward Collision Alert
- Lane Keep Assist with Lane Departure Warning
- Front Pedestrian Braking
- Safety Alert Seat
- Rear Seat Reminder
- Rear child security door locks
- Teen Driver
- Tire Pressure Monitoring System
- Road emergency tool kit
- Horn, dual note tone
Recalls
3 NHTSA recalls for 2024 to 2026 XT5 models. Dealers fix them free; a new car should have them done before delivery. Ask the dealer to check the VIN.
Electrical system2024, 2025 · 6,942 vehicles
The instrument panel may not illuminate when the hazard warning lights, high beams, or turn signals are activated.Recall 24V459000 at NHTSA ↗Air bags2024 · 74 vehicles
The driver's front air bag cushion may tear during deployment, resulting in the air bag not deploying as intended.Recall 24V311000 at NHTSA ↗Visibility2024 · 42 vehicles
The windshield may have been assembled without the proper urethane sealant required to bond the windshield to the vehicle body.Recall 23V681000 at NHTSA ↗Quick answers
- How much is a 2026 XT5 in California?
- $50,877 to drive away for the Luxury, from a $44,800 sticker.
- What does it cost a month?
- A $782 loan payment, about $1,493 a month with insurance, fuel and upkeep ($5,000 down); about $1,452 a month all in, after resale.
- How much can it tow?
- From 1,000 lb to 3,500 lb, depending on the trim.
Colors
Argent Silver MetallicStellar Black Metallic+$625Opulent Blue Metallic+$625Emerald Lake Metallic+$625Crystal White Tricoat+$1,225Radiant Red Tintcoat+$1,225
Similar SUVs
US prices in US dollars from Cadillac's US website, read 2026-11-09; destination as the brand lists it. Taxes, registration and the dealer doc fee follow your state. Insurance and maintenance are estimates. How we count.