2026 Ford Ranger: real cost in California
See the Ranger on Ford's US site ↗US prices read 2026-11-09
Cheapest trim, XL 4x2 · California · age 35–59 · 6 years · 13,500 mi a yearChange
Sticker$33,550the advertised price
Drive away$38,724with fees and tax
Loan payment$575/mo72-month loan at 7%, $5,000 down
True cost$1,214/moeverything, after resale
$38,724 to drive away + $66,333 to run it for 6 years − $17,668 back at resale = $87,389, or $1,214 a month.
Where the money goes
Drive away$38,724
Running it, 6 yrs+$66,333
Back at resale−$17,668
Sticker pricethe advertised MSRP
+$33,550Feesfreight $1,895 · doc fee $85 (typical)
+$1,980Sales and use tax, 8.99%California
+$3,194Fuel13,500 mi a year at 21 MPG
+$22,163Insuranceestimate, age 35–59, California
+$17,346Lost return on your money5% a year on the down payment and each payment
+$8,299Maintenanceestimate
+$7,910Loan interest7% over 72 months
+$7,673Title, registration and plates6 years in California, incl. 0.65% value tax a year
+$2,943Resale after 6 years53% of MSRP, you get this back
−$17,668True cost $87,389 ÷ 72 months$1,214 a month
The car
Size and space
BodySupercrew
Seats5
CargoNot published
Ground clearance9.3–10.7 inhigh; good for snow and trails
Engine and fuel
Fuel economy17–21 MPGEPA combined
TowingUp to 7,500 lb
Tires17" or 18"by trim
Safety and cover
Crash test4 of 5 starsNHTSA · see the test ↗
Warranty3 yrspowertrain 5 yrs
Resale at 6 years53% of MSRPaverage for its type
Every trim
All trims: 5 seats.| XL 4x2 | $33,550 | $38,724 | $87,389 | ✓ $1,214/mo | 7,500 | 21 MPG | — No | — No | — No | — No |
| XLT 4x2 | $35,575 | $40,931 | $89,718 | $1,246/mo | 7,500 | 21 MPG | ✓ Yes | ✓ Yes | ✓ Yes | — No |
| XL 4x4 | $37,050 | $42,539 | $91,079 | $1,265/mo | 7,500 | 21 MPG | — No | — No | — No | ✓ Yes |
| XLT 4x4 | $39,075 | $44,746 | $93,408 | $1,297/mo | 7,500 | 21 MPG | ✓ Yes | ✓ Yes | ✓ Yes | ✓ Yes |
| Lariat 4x2 | $43,955 | $50,065 | $99,046 | $1,376/mo | 7,500 | 21 MPG | ✓ Yes | ✓ Yes | ✓ Yes | — No |
| Lariat 4x4 | $47,455 | $53,879 | $102,736 | $1,427/mo | 7,500 | 21 MPG | ✓ Yes | ✓ Yes | ✓ Yes | ✓ Yes |
| Raptor 4x4 | $57,270 | $64,577 | $120,131 | $1,668/mo | 5,510 | 17 MPG | ✓ Yes | — No | — No | ✓ Yes |
XL 4x2
✓ $1,214/mo
True cost
XLT 4x2
$1,246/mo
True cost
XL 4x4
$1,265/mo
True cost
XLT 4x4
$1,297/mo
True cost
Lariat 4x2
$1,376/mo
True cost
Lariat 4x4
$1,427/mo
True cost
Raptor 4x4
$1,668/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
XL 4x2$33,550
XLT 4x2$35,575
XL 4x4$37,050
XLT 4x4$39,075
Lariat 4x2$43,955
Lariat 4x4$47,455
Raptor 4x4$57,270
Safety and driver assist
Automatic braking
✓ Every trim
Blind-spot monitor
✓ Every trim
Rear cross-traffic alert
+ $625
+ $625
Adaptive cruise
+ $1,100
+ $1,100
✓ from Lariat 4x2
360° camera
+ $1,100
+ $1,100
✓ from Lariat 4x2
Parking sensors
+ $625
+ $1,100
+ $625
+ $1,100
+ $865
Comfort
Heated seats
+ $1,250
+ $1,250
✓ Lariat 4x2 to Lariat 4x4
Dual-zone climate
+ $1,250
+ $1,250
✓ from Lariat 4x2
Convenience
Remote start
✓
✓ XLT 4x4 to Lariat 4x4
Wireless phone charging
+ $570
+ $570
Power driver's seat
+ $1,250
+ $1,250
✓ Lariat 4x2 to Lariat 4x4
Memory seat
✓ Lariat 4x2 to Lariat 4x4
Tech and audio
Apple CarPlay and Android Auto
✓ Every trim
Wireless CarPlay
✓ Every trim
Built-in navigation
✓
✓ from XLT 4x4
Premium sound system
✓ from Lariat 4x2
Large touchscreen (12 in+)
✓ from Lariat 4x2
Capability and looks
AWD or 4WD
✓ XL 4x4 to XLT 4x4
✓ from Lariat 4x4
Tow hitch included
+ $535
✓ from Raptor 4x4
Sunroof
+ $1,200
+ $1,200
+ $985
LED headlights
✓ XL 4x2 to Lariat 4x4
Not listed on any trimLane centeringHands-free drivingCooled seatsHeated steering wheelHeated rear seatsMassaging seatsPush-button startPower liftgateHead-up displayPanoramic roof
Full standard equipment on the XL 4x2 (21 items)
- 2.3L EcoBoost Engine with Auto Start-Stop Technology
- Electronic Ten-Speed Automatic Transmission
- Open Style Rear Axle
- XL (100A)
- SiriusXM with 360L (3-month Trial)
- Ford Co-Pilot360
- STX Appearance Package
- 17” Black-Painted Steel Wheels
- 255/70R17 All-Terrain (A/T) BSW Tires
- Manual Folding Power Glass Sideview Mirrors – Black Skull Caps
- Rear Window with Fixed Glass
- Fog Lamps – Halogen
- Remote Keyless-Entry w/Remote Tailgate Lock
- SiriusXM Satellite Radio
- AM/FM stereo and Six Speakers
- Analog Rear View Camera
- Day/Night Rearview Mirror
- Black Vinyl Floor Covering
- Single Zone Manual Air Conditioning
- Auto Start-Stop Technology
- Cruise Control
Recalls
24 NHTSA recalls for 2024 to 2026 Ranger models. Dealers fix them free; a new car should have them done before delivery. Ask the dealer to check the VIN.
Back over prevention2026 · 11,405 vehicles
The screen may lose power and fail to display the rearview camera image. As such, these vehicles fail to comply with the requirements of Federal Motor Vehicle Safety Standard number 111, "Rear Visibility."Recall 26V605000 at NHTSA ↗Engine and engine cooling2026 · 10,001 vehicles
The engine piston domes may have been manufactured incorrectly, which can result in piston dome failure and lead to a loss of drive power.Recall 26V548000 at NHTSA ↗Engine and engine cooling2025, 2026 · 1,536 vehicles
The engine may fail, which can result in a loss of drive power.Recall 26V343000 at NHTSA ↗Equipment2026 · 268 vehicles
The vehicle specifications listed on the tire placard and safety certification labels may be incorrect, including the VIN, capacity weight, seating capacity, front and rear gross axle weight rating (GAWR), tire and...Recall 26V335000 at NHTSA ↗Seats2024, 2025, 2026 · 179,698 vehicles
The front seats may have a loose or dislodged seat frame height-adjust pivot bolt.Recall 26V268000 at NHTSA ↗Structure2024, 2025, 2026 · 140,201 vehicles
The sun visor or headliner wiring harnesses may be improperly positioned or have excessive tape thickness, which can result in damaged wires.Recall 26V238000 at NHTSA ↗Quick answers
- How much is a 2026 Ranger in California?
- $38,724 to drive away for the XL 4x2, from a $33,550 sticker.
- What does it cost a month?
- A $575 loan payment, about $1,274 a month with insurance, fuel and upkeep ($5,000 down); about $1,214 a month all in, after resale.
- How much can it tow?
- 5,510 lb for the Raptor 4x4; 7,500 lb for every other trim.
Colors
Ruby Red Metallic Tinted Clearcoat+$495Desert Sand+$395Velocity Blue Metallic+$395Marsh Gray+$395Shadow BlackOxford WhiteCarbonized Gray MetallicAvalanche+$395Shelter Green Metallic+$395
Similar pickups
US prices in US dollars from Ford'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.