2026 Chevrolet Silverado 3500 HD: real cost in California

Cheapest trim, WT · California · age 35–59 · 6 years · 13,500 mi a yearChange
Sticker$47,400the advertised price
Drive away$54,800with fees and tax
Loan payment$849/mo72-month loan at 7%, $5,000 down
True cost$1,522/moeverything, after resale
Car, fees and tax $54,800Insurance $16,905Fuel $27,901Interest and lost return $22,776Maintenance and plates $12,169

$54,800 to drive away + $79,751 to run it for 6 years − $24,962 back at resale = $109,589, or $1,522 a month.

Where the money goes

Drive away$54,800
Running it, 6 yrs+$79,751
Back at resale−$24,962
Sticker pricethe advertised MSRP
+$47,400
Feesfreight $2,795 · doc fee $85 (typical)
+$2,880
Sales and use tax, 8.99%California
+$4,520
Fuel13,500 mi a year at 17 MPG
+$27,901
Insuranceestimate, age 35–59, California
+$16,905
Lost return on your money5% a year on the down payment and each payment
+$11,445
Loan interest7% over 72 months
+$11,331
Maintenanceestimate
+$8,816
Title, registration and plates6 years in California, incl. 0.65% value tax a year
+$3,353
Resale after 6 years53% of MSRP, you get this back
−$24,962
True cost $109,589 ÷ 72 months$1,522 a month

The car

Size and space
BodyRegular Cab, Long Bed, Double Cab, Long Bed, Crew Cab, Standard Bed
Seats3, 6
Cargo98.27" bed
Engine and fuel
Engine401–470 hp gas or diesel, 2WD, 4WD
0–60 mph5.9–6.6 sour estimate from power and weight
TowingUp to 20,000 lb
Tires18" or 20"by trim
Safety and cover
Crash testNot rated yet
Resale at 6 years53% of MSRPaverage for its type

Every trim

Every trim: auto braking.
WT 2WD$47,400$54,800$109,589✓ $1,522/mo314,50017 MPG✓ Yes✓ Yes— No— No— No
WT 2WD$49,300$56,871$111,592$1,550/mo616,00017 MPG✓ Yes✓ Yes— No— No— No
WT 2WD$50,900$58,615$113,301$1,574/mo616,00017 MPG✓ Yes✓ Yes— No— No— No
WT 2WD$51,100$58,833$113,512$1,577/mo616,00017 MPG✓ Yes✓ Yes— No— No— No
LT 4WD$54,100$62,103$117,360$1,630/mo314,50017 MPG✓ Yes✓ Yes— No— No✓ Yes
LT 4WD$56,300$64,500$119,777$1,664/mo616,00017 MPG✓ Yes✓ Yes— No— No✓ Yes
LT 4WD$57,900$66,244$121,570$1,688/mo616,00017 MPG✓ Yes✓ Yes— No— No✓ Yes
LT 4WD$58,100$66,462$121,781$1,691/mo616,00017 MPG✓ Yes✓ Yes— No— No✓ Yes
WT 6.6L Duramax Turbo-Diesel V8, 2WD$58,415$66,805$123,320$1,713/mo314,50022 MPG✓ Yes✓ Yes— No— No— No
WT 6.6L Duramax Turbo-Diesel V8, 2WD$59,290$67,759$124,243$1,726/mo620,00022 MPG✓ Yes✓ Yes— No— No— No
WT 6.6L Duramax Turbo-Diesel V8, 2WD$60,890$69,503$126,053$1,751/mo620,00022 MPG✓ Yes✓ Yes— No— No— No
WT 6.6L Duramax Turbo-Diesel V8, 2WD$61,090$69,721$126,263$1,754/mo620,00022 MPG✓ Yes✓ Yes— No— No— No
LT 6.6L Duramax Turbo-Diesel V8, 10-speed automatic, 4WD$64,090$72,991$129,677$1,801/mo314,50022 MPG✓ Yes✓ Yes— No— No✓ Yes
LTZ 4WD$64,800$73,764$129,328$1,796/mo616,00017 MPG✓ Yes✓ Yes✓ Yes✓ Yes✓ Yes
LTZ 4WD$65,000$73,982$129,539$1,799/mo616,00017 MPG✓ Yes✓ Yes✓ Yes✓ Yes✓ Yes
LT 6.6L Duramax Turbo-Diesel V8, 10-speed automatic transmission with integrated Power Take-Off (PTO), 4WD$65,085$74,075$130,799$1,817/mo314,50022 MPG✓ Yes✓ Yes— No— No✓ Yes
LT 6.6L Duramax Turbo-Diesel V8, 10-speed automatic, 4WD$66,290$75,388$132,143$1,835/mo620,00022 MPG✓ Yes✓ Yes— No— No✓ Yes
LT 6.6L Duramax Turbo-Diesel V8, 10-speed automatic transmission with integrated Power Take-Off (PTO), 4WD$67,285$76,473$133,192$1,850/mo620,00022 MPG✓ Yes✓ Yes— No— No✓ Yes
LT 6.6L Duramax Turbo-Diesel V8, 10-speed automatic, 4WD$67,890$77,132$133,830$1,859/mo620,00022 MPG✓ Yes✓ Yes— No— No✓ Yes
LT 6.6L Duramax Turbo-Diesel V8, 10-speed automatic, 4WD$68,090$77,350$134,041$1,862/mo620,00022 MPG✓ Yes✓ Yes— No— No✓ Yes
LT 6.6L Duramax Turbo-Diesel V8, 10-speed automatic transmission with integrated Power Take-Off (PTO), 4WD$68,885$78,217$134,952$1,874/mo620,00022 MPG✓ Yes✓ Yes— No— No✓ Yes
LT 6.6L Duramax Turbo-Diesel V8, 10-speed automatic transmission with integrated Power Take-Off (PTO), 4WD$69,085$78,435$135,163$1,877/mo620,00022 MPG✓ Yes✓ Yes— No— No✓ Yes
LTZ 6.6L Duramax Turbo-Diesel V8, 4WD$74,790$84,653$141,398$1,964/mo620,00022 MPG✓ Yes✓ Yes✓ Yes✓ Yes✓ Yes
LTZ 6.6L Duramax Turbo-Diesel V8, 4WD$74,990$84,871$141,608$1,967/mo620,00022 MPG✓ Yes✓ Yes✓ Yes✓ Yes✓ Yes
High Country 4WD$75,200$85,099$140,807$1,956/mo616,00017 MPG— No— No— No✓ Yes✓ Yes
High Country 4WD$75,400$85,317$141,018$1,959/mo616,00017 MPG— No— No— No✓ Yes✓ Yes
High Country 6.6L Duramax Turbo-Diesel V8, 4WD$85,190$95,987$152,729$2,121/mo620,00022 MPG— No— No— No✓ Yes✓ Yes
High Country 6.6L Duramax Turbo-Diesel V8, 4WD$85,390$96,205$153,013$2,125/mo620,00022 MPG— No— No— No✓ Yes✓ Yes
WT2WD
✓ $1,522/mo
True cost
Sticker $47,400Drive-away $54,8006 yrs $109,589Seats 3Tows 14,500Fuel use 17 MPGBlind spot ✓ YesAdaptive cruise ✓ YesHeated seats — NoSunroof — NoAWD/4WD — No
WT2WD
$1,550/mo
True cost
Sticker $49,300Drive-away $56,8716 yrs $111,592Seats 6Tows 16,000Fuel use 17 MPGBlind spot ✓ YesAdaptive cruise ✓ YesHeated seats — NoSunroof — NoAWD/4WD — No
WT2WD
$1,574/mo
True cost
Sticker $50,900Drive-away $58,6156 yrs $113,301Seats 6Tows 16,000Fuel use 17 MPGBlind spot ✓ YesAdaptive cruise ✓ YesHeated seats — NoSunroof — NoAWD/4WD — No
WT2WD
$1,577/mo
True cost
Sticker $51,100Drive-away $58,8336 yrs $113,512Seats 6Tows 16,000Fuel use 17 MPGBlind spot ✓ YesAdaptive cruise ✓ YesHeated seats — NoSunroof — NoAWD/4WD — No
LT4WD
$1,630/mo
True cost
Sticker $54,100Drive-away $62,1036 yrs $117,360Seats 3Tows 14,500Fuel use 17 MPGBlind spot ✓ YesAdaptive cruise ✓ YesHeated seats — NoSunroof — NoAWD/4WD ✓ Yes
LT4WD
$1,664/mo
True cost
Sticker $56,300Drive-away $64,5006 yrs $119,777Seats 6Tows 16,000Fuel use 17 MPGBlind spot ✓ YesAdaptive cruise ✓ YesHeated seats — NoSunroof — NoAWD/4WD ✓ Yes
LT4WD
$1,688/mo
True cost
Sticker $57,900Drive-away $66,2446 yrs $121,570Seats 6Tows 16,000Fuel use 17 MPGBlind spot ✓ YesAdaptive cruise ✓ YesHeated seats — NoSunroof — NoAWD/4WD ✓ Yes
LT4WD
$1,691/mo
True cost
Sticker $58,100Drive-away $66,4626 yrs $121,781Seats 6Tows 16,000Fuel use 17 MPGBlind spot ✓ YesAdaptive cruise ✓ YesHeated seats — NoSunroof — NoAWD/4WD ✓ Yes
WT6.6L Duramax Turbo-Diesel V8, 2WD
$1,713/mo
True cost
Sticker $58,415Drive-away $66,8056 yrs $123,320Seats 3Tows 14,500Fuel use 22 MPGBlind spot ✓ YesAdaptive cruise ✓ YesHeated seats — NoSunroof — NoAWD/4WD — No
WT6.6L Duramax Turbo-Diesel V8, 2WD
$1,726/mo
True cost
Sticker $59,290Drive-away $67,7596 yrs $124,243Seats 6Tows 20,000Fuel use 22 MPGBlind spot ✓ YesAdaptive cruise ✓ YesHeated seats — NoSunroof — NoAWD/4WD — No
WT6.6L Duramax Turbo-Diesel V8, 2WD
$1,751/mo
True cost
Sticker $60,890Drive-away $69,5036 yrs $126,053Seats 6Tows 20,000Fuel use 22 MPGBlind spot ✓ YesAdaptive cruise ✓ YesHeated seats — NoSunroof — NoAWD/4WD — No
WT6.6L Duramax Turbo-Diesel V8, 2WD
$1,754/mo
True cost
Sticker $61,090Drive-away $69,7216 yrs $126,263Seats 6Tows 20,000Fuel use 22 MPGBlind spot ✓ YesAdaptive cruise ✓ YesHeated seats — NoSunroof — NoAWD/4WD — No
LT6.6L Duramax Turbo-Diesel V8, 10-speed automatic, 4WD
$1,801/mo
True cost
Sticker $64,090Drive-away $72,9916 yrs $129,677Seats 3Tows 14,500Fuel use 22 MPGBlind spot ✓ YesAdaptive cruise ✓ YesHeated seats — NoSunroof — NoAWD/4WD ✓ Yes
LTZ4WD
$1,796/mo
True cost
Sticker $64,800Drive-away $73,7646 yrs $129,328Seats 6Tows 16,000Fuel use 17 MPGBlind spot ✓ YesAdaptive cruise ✓ YesHeated seats ✓ YesSunroof ✓ YesAWD/4WD ✓ Yes
LTZ4WD
$1,799/mo
True cost
Sticker $65,000Drive-away $73,9826 yrs $129,539Seats 6Tows 16,000Fuel use 17 MPGBlind spot ✓ YesAdaptive cruise ✓ YesHeated seats ✓ YesSunroof ✓ YesAWD/4WD ✓ Yes
LT6.6L Duramax Turbo-Diesel V8, 10-speed automatic transmission with integrated Power Take-Off (PTO), 4WD
$1,817/mo
True cost
Sticker $65,085Drive-away $74,0756 yrs $130,799Seats 3Tows 14,500Fuel use 22 MPGBlind spot ✓ YesAdaptive cruise ✓ YesHeated seats — NoSunroof — NoAWD/4WD ✓ Yes
LT6.6L Duramax Turbo-Diesel V8, 10-speed automatic, 4WD
$1,835/mo
True cost
Sticker $66,290Drive-away $75,3886 yrs $132,143Seats 6Tows 20,000Fuel use 22 MPGBlind spot ✓ YesAdaptive cruise ✓ YesHeated seats — NoSunroof — NoAWD/4WD ✓ Yes
LT6.6L Duramax Turbo-Diesel V8, 10-speed automatic transmission with integrated Power Take-Off (PTO), 4WD
$1,850/mo
True cost
Sticker $67,285Drive-away $76,4736 yrs $133,192Seats 6Tows 20,000Fuel use 22 MPGBlind spot ✓ YesAdaptive cruise ✓ YesHeated seats — NoSunroof — NoAWD/4WD ✓ Yes
LT6.6L Duramax Turbo-Diesel V8, 10-speed automatic, 4WD
$1,859/mo
True cost
Sticker $67,890Drive-away $77,1326 yrs $133,830Seats 6Tows 20,000Fuel use 22 MPGBlind spot ✓ YesAdaptive cruise ✓ YesHeated seats — NoSunroof — NoAWD/4WD ✓ Yes
LT6.6L Duramax Turbo-Diesel V8, 10-speed automatic, 4WD
$1,862/mo
True cost
Sticker $68,090Drive-away $77,3506 yrs $134,041Seats 6Tows 20,000Fuel use 22 MPGBlind spot ✓ YesAdaptive cruise ✓ YesHeated seats — NoSunroof — NoAWD/4WD ✓ Yes
LT6.6L Duramax Turbo-Diesel V8, 10-speed automatic transmission with integrated Power Take-Off (PTO), 4WD
$1,874/mo
True cost
Sticker $68,885Drive-away $78,2176 yrs $134,952Seats 6Tows 20,000Fuel use 22 MPGBlind spot ✓ YesAdaptive cruise ✓ YesHeated seats — NoSunroof — NoAWD/4WD ✓ Yes
LT6.6L Duramax Turbo-Diesel V8, 10-speed automatic transmission with integrated Power Take-Off (PTO), 4WD
$1,877/mo
True cost
Sticker $69,085Drive-away $78,4356 yrs $135,163Seats 6Tows 20,000Fuel use 22 MPGBlind spot ✓ YesAdaptive cruise ✓ YesHeated seats — NoSunroof — NoAWD/4WD ✓ Yes
LTZ6.6L Duramax Turbo-Diesel V8, 4WD
$1,964/mo
True cost
Sticker $74,790Drive-away $84,6536 yrs $141,398Seats 6Tows 20,000Fuel use 22 MPGBlind spot ✓ YesAdaptive cruise ✓ YesHeated seats ✓ YesSunroof ✓ YesAWD/4WD ✓ Yes
LTZ6.6L Duramax Turbo-Diesel V8, 4WD
$1,967/mo
True cost
Sticker $74,990Drive-away $84,8716 yrs $141,608Seats 6Tows 20,000Fuel use 22 MPGBlind spot ✓ YesAdaptive cruise ✓ YesHeated seats ✓ YesSunroof ✓ YesAWD/4WD ✓ Yes
High Country4WD
$1,956/mo
True cost
Sticker $75,200Drive-away $85,0996 yrs $140,807Seats 6Tows 16,000Fuel use 17 MPGBlind spot — NoAdaptive cruise — NoHeated seats — NoSunroof ✓ YesAWD/4WD ✓ Yes
High Country4WD
$1,959/mo
True cost
Sticker $75,400Drive-away $85,3176 yrs $141,018Seats 6Tows 16,000Fuel use 17 MPGBlind spot — NoAdaptive cruise — NoHeated seats — NoSunroof ✓ YesAWD/4WD ✓ Yes
High Country6.6L Duramax Turbo-Diesel V8, 4WD
$2,121/mo
True cost
Sticker $85,190Drive-away $95,9876 yrs $152,729Seats 6Tows 20,000Fuel use 22 MPGBlind spot — NoAdaptive cruise — NoHeated seats — NoSunroof ✓ YesAWD/4WD ✓ Yes
High Country6.6L Duramax Turbo-Diesel V8, 4WD
$2,125/mo
True cost
Sticker $85,390Drive-away $96,2056 yrs $153,013Seats 6Tows 20,000Fuel use 22 MPGBlind spot — NoAdaptive cruise — NoHeated seats — NoSunroof ✓ YesAWD/4WD ✓ Yes

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
WT 2WD$47,400
LT 4WD$54,100
LT 4WD$56,300
LT 4WD$57,900
WT 6.6L Duramax Turbo-Diesel V8, 2WD$58,415
LT 6.6L Duramax Turbo-Diesel V8, 10-speed automatic, 4WD$64,090
LTZ 4WD$64,800
LT 6.6L Duramax Turbo-Diesel V8, 10-speed automatic transmission with integrated Power Take-Off (PTO), 4WD$65,085
LT 6.6L Duramax Turbo-Diesel V8, 10-speed automatic, 4WD$66,290
LT 6.6L Duramax Turbo-Diesel V8, 10-speed automatic transmission with integrated Power Take-Off (PTO), 4WD$67,285
LT 6.6L Duramax Turbo-Diesel V8, 10-speed automatic, 4WD$67,890
LT 6.6L Duramax Turbo-Diesel V8, 10-speed automatic transmission with integrated Power Take-Off (PTO), 4WD$68,885
LTZ 6.6L Duramax Turbo-Diesel V8, 4WD$74,790
High Country 4WD$75,200
High Country 6.6L Duramax Turbo-Diesel V8, 4WD$85,190
Safety and driver assist
Automatic braking
✓ Every trim
Blind-spot monitor
+ $795
+ $735
+ $1,335
+ $795
+ $735
+ $1,245
+ $735
+ $1,335
+ $1,245
Rear cross-traffic alert
+ $795
+ $735
+ $1,335
+ $795
+ $735
+ $1,245
+ $735
+ $1,335
+ $1,245
✓ from High Country 4WD
Adaptive cruise
+ $500
+ $1,050
+ $500
+ $1,050
360° camera
+ $1,335
+ $1,245
+ $1,335
+ $1,245
✓ from High Country 4WD
Parking sensors
+ $795
+ $735
+ $1,335
+ $795
+ $735
+ $1,245
+ $735
+ $1,335
+ $1,245
✓ from High Country 4WD
Comfort
Heated seats
✓
✓
Cooled seats
+ $1,815
+ $1,815
Heated steering wheel
+ $400
+ $400
+ $400
Heated rear seats
+ $1,050
+ $1,050
Dual-zone climate
+ $985
+ $985
✓
+ $985
✓
Convenience
Push-button start
✓ Every trim
Remote start
+ $525
+ $525
+ $525
Power liftgate
+ $335
+ $335
+ $1,815
+ $335
+ $1,815
Wireless phone charging
+ $1,815
+ $1,815
Power driver's seat
+ $985
+ $985
+ $985
Tech and audio
Apple CarPlay and Android Auto
✓ Every trim
Wireless CarPlay
✓ Every trim
Built-in navigation
✓ LT 4WD to LT 4WD
✓ LT 6.6L Duramax Turbo-Diesel V8, 10-speed automatic, 4WD to LT 6.6L Duramax Turbo-Diesel V8, 10-speed automatic transmission with integrated Power Take-Off (PTO), 4WD
Premium sound system
+ $1,815
+ $1,815
✓ from High Country 4WD
Head-up display
+ $1,340
+ $1,340
Large touchscreen (12 in+)
✓ LT 4WD to LT 4WD
✓ LT 6.6L Duramax Turbo-Diesel V8, 10-speed automatic, 4WD to LT 6.6L Duramax Turbo-Diesel V8, 10-speed automatic transmission with integrated Power Take-Off (PTO), 4WD
Capability and looks
AWD or 4WD
✓ LT 4WD to LT 4WD
✓ from LT 6.6L Duramax Turbo-Diesel V8, 10-speed automatic, 4WD
Tow hitch included
✓ Every trim
Sunroof
+ $995
+ $995
LED headlights
+ $3,530
✓
+ $3,530
✓
Not listed on any trimLane centeringHands-free drivingMassaging seatsMemory seatPanoramic roof
Full standard equipment on the WT WT 2WD (94 items)
  • 6.6L V8 Gas engine
  • Durabed
  • Chevrolet Infotainment 3 System with 7" diagonal color touchscreen
  • Charge / Data USB ports
  • Trailering Package
  • 10-speed automatic transmission
  • 3.73 rear axle ratio
  • 10,950 lbs. GVWR
  • Push Button Start
  • Heavy-Duty Air Filter
  • Air filtration monitoring
  • Automatic locking rear differential
  • Rear wheel drive
  • External engine oil cooler
  • External auxiliary transmission oil cooler
  • Heavy-duty 720 cold-cranking amps battery
  • 170-amp alternator
  • Integrated trailer brake controller
  • Black recovery hooks
  • Fully boxed frame
  • Suspension Package
  • Steering
  • 4-wheel antilock disc brakes
  • Brake pad wear indicator
  • Capless fuel fill
  • Single-outlet exhaust
  • 18" steel painted Silver wheels
  • 18" LT275/70R18E all-terrain, blackwall tires
  • 18" LT275/70R18 all-terrain, blackwall spare tire
  • Single Rear Wheels (STD)
  • Spare tire carrier lock
  • Black front bumper
  • Black rear bumper
  • Side BedStep
  • CornerStep rear bumper
  • Black beltline moldings
  • Cargo tie-downs
  • Halogen headlamps
  • IntelliBeam
  • Incandescent taillamps with stop and reverse lights
  • Cab-mounted cargo area lamps
  • Black outside power-adjustable vertical trailering mirrors
  • Black mirror caps
  • Solar-absorbing glass
  • Black door handles
  • Standard tailgate
  • Tailgate and bed rail protection caps
  • Locking tailgate
  • Tailgate without EZ Lift
  • 2-speaker audio system
  • Bluetooth
  • Wireless Phone Projection for Apple CarPlay and Android Auto
  • Wi-Fi Hotspot capable
  • 40/20/40 split-bench front seat with under-seat storage
  • Seat trim, Vinyl
  • 4-way manual driver seat
  • 4-way manual front passenger seat
  • Rubberized vinyl floor covering
  • Steering wheel
  • Manual tilt steering column
  • Instrumentation
  • 3.5" diagonal monochromatic Driver Information Center
  • Outside temperature display
  • Compass
  • Power windows with driver express-up/down
  • Power windows with front passenger express-down
  • Power door locks
  • Remote Keyless Entry
  • Cruise control
  • 12-volt auxiliary front power outlet
  • Single-zone climate control
  • Inside rearview manual day/night mirror
  • Assist handles
  • Chevrolet Connected Access capable
  • 1 Scheduled Maintenance Visit 1
  • Bumper-to-Bumper Limited Warranty 1
  • Corrosion Limited Warranty 1
  • Powertrain/Drivetrain Limited Warranty 1
  • Roadside Assistance Program and Available Courtesy Transportation 1
  • Automatic Emergency Braking
  • Front Pedestrian Braking
  • StabiliTrak, electronic stability control system with traction control
  • Daytime Running Lamps
  • 6 airbags
  • OnStar services capable
  • OnStar Basics
  • HD Rear Vision Camera
  • Hitch Guidance
  • Lane Departure Warning
  • Following Distance Indicator
  • Forward Collision Alert
  • Teen Driver
  • Buckle to Drive
  • Tire Pressure Monitoring System with Tire Fill Alert

Recalls

6 NHTSA recalls for 2024 to 2026 Silverado 3500 HD models. Dealers fix them free; a new car should have them done before delivery. Ask the dealer to check the VIN.

Quick answers
How much is a 2026 Silverado 3500 HD in California?
$54,800 to drive away for the WT, from a $47,400 sticker.
What does it cost a month?
A $849 loan payment, about $1,640 a month with insurance, fuel and upkeep ($5,000 down); about $1,522 a month all in, after resale.
How much can it tow?
From 14,500 lb to 20,000 lb, depending on the trim.

Colors

Red HotSummit WhiteBlackSterling Gray MetallicLakeshore Blue MetallicCypress Gray+$395Radiant Red Tintcoat+$495Polar White Tricoat+$995

Similar pickups

US prices in US dollars from Chevrolet'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.