2027 GMC Terrain: real cost in California
See the Terrain on GMC's US site ↗US prices read 2026-11-09
Cheapest trim, Elevation · California · age 35–59 · 6 years · 13,500 mi a yearChange
Sticker$30,700the advertised price
Drive away$35,727with fees and tax
Loan payment$524/mo72-month loan at 7%, $5,000 down
True cost$1,138/moeverything, after resale
$35,727 to drive away + $60,249 to run it for 6 years − $14,034 back at resale = $81,942, or $1,138 a month.
Where the money goes
Drive away$35,727
Running it, 6 yrs+$60,249
Back at resale−$14,034
Sticker pricethe advertised MSRP
+$30,700Feesfreight $1,995 · doc fee $85 (typical)
+$2,080Sales and use tax, 8.99%California
+$2,947Fuel13,500 mi a year at 26 MPG
+$17,908Insuranceestimate, age 35–59, California
+$16,905Maintenanceestimate
+$7,930Lost return on your money5% a year on the down payment and each payment
+$7,713Loan interest7% over 72 months
+$6,991Title, registration and plates6 years in California, incl. 0.65% value tax a year
+$2,802Resale after 6 years46% of MSRP, you get this back
−$14,034True cost $81,942 ÷ 72 months$1,138 a month
The car
Size and space
BodySUV181.0 in long
Seats5
Cargo29.8 cu ftbehind row 2
Ground clearance5.7 in
Engine and fuel
Engine175 hp gas, FWD, AWD
0–60 mph7.7–8.0 sour estimate from power and weight
Fuel economy25–26 MPGEPA combined
TowingUp to 1,500 lb
Tires17"235/65R17
Safety and cover
Crash test✓ 5 of 5 starsNHTSA · see the test ↗
Resale at 6 years46% of MSRPaverage for its type
Every trim
All trims: 175 hp, 5 seats.| Elevation | $30,700 | $35,727 | $81,942 | ✓ $1,138/mo | 26 MPG | — No |
| AT4 | $39,400 | $45,209 | $92,648 | $1,287/mo | 25 MPG | ✓ Yes |
| Denali | $42,200 | $48,261 | $96,173 | $1,336/mo | 25 MPG | ✓ Yes |
Elevation
✓ $1,138/mo
True cost
AT4
$1,287/mo
True cost
Denali
$1,336/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
Elevation$30,700
AT4$39,400
Denali$42,200
Safety and driver assist
Automatic braking
✓ Every trim
Blind-spot monitor
✓ Every trim
Rear cross-traffic alert
✓ Every trim
Adaptive cruise
✓ Every trim
360° camera
+ $1,145
+ $1,030
✓ from Denali
Parking sensors
✓ Every trim
Comfort
Heated seats
✓ Every trim
Cooled seats
+ $1,095
✓ from Denali
Heated steering wheel
✓ Every trim
Heated rear seats
+ $1,095
✓ from Denali
Dual-zone climate
+ $2,850
Convenience
Push-button start
✓ Every trim
Remote start
✓ Every trim
Power liftgate
+ $2,850
✓
Wireless phone charging
+ $2,850
✓
Power driver's seat
+ $1,095
Memory seat
+ $1,095
Tech and audio
Apple CarPlay and Android Auto
✓ Every trim
Wireless CarPlay
✓ Every trim
Built-in navigation
✓ Every trim
Large touchscreen (12 in+)
✓ Every trim
Capability and looks
AWD or 4WD
✓ from AT4
Tow hitch included
+ $1,095
✓
Sunroof
+ $1,495 on every trim
Panoramic roof
+ $1,495 on every trim
LED headlights
✓
Not listed on any trimLane centeringHands-free drivingMassaging seatsPremium sound systemHead-up display
Full standard equipment on the Elevation (103 items)
- Drive Mode Selector
- Available Sterling Metallic Roof
- Heated steering wheel
- Available Black Edition
- Available HD Surround Vision
- Available Traffic Sign Recognition
- Driver Convenience Package
- 1.5L Turbo 4-cylinder engine
- 8-speed automatic transmission
- 3.47 axle ratio
- E15 fuel capable
- Automatic Stop/Start
- Emissions, evaporative system, level 3
- Front-wheel drive
- Battery, 70AH, 12V, 760 cold-cranking amps
- 130-amp alternator
- MacPherson front suspension
- 4,850 lbs. GVWR
- 4-wheel antilock disc brakes
- Brake rotors with FNC
- Brake lining wear indicator
- Capless fuel fill
- Single-outlet exhaust
- Mechanical jack with tools
- 17" Grazen metallic machined-face aluminum wheels
- 17" all-season blackwall tires
- 17" compact spare wheel
- 17" compact spare tire
- Shutters, front upper and lower grille, active
- LED headlamps
- IntelliBeam
- LED tail lamps
- Deep-tinted rear glass
- Solar-absorbing windows, rear side
- Heated power outside mirrors
- High gloss Black mirror caps
- Body-color door handles
- Manual liftgate
- 15" diagonal GMC Premium Infotainment System with available Google built-in
- Infotainment, High
- Google built-in compatibility
- 6-speaker audio system
- SiriusXM with 360L Trial Subscription
- Wi-Fi Hotspot capable
- 5G vehicle connectivity
- Wireless Apple CarPlay/Wireless Android Auto capability for compatible phones
- Active Noise Cancellation
- Front bucket seats
- Seat trim, Premium Cloth
- 6-way manual driver seat
- 4-way manual front passenger seat
- Heated driver and front passenger seats
- 2-way adjustable rear center headrests
- Rear center armrest
- Carpeted load floor
- Front carpeted floor mats
- Rear carpeted floor mats
- Sport-style steering wheel
- Speedometer, miles/kilometers
- Driver Information Center
- Power windows with driver express-up/down and front passenger express-down
- Keyless Open and Start
- Remote panic alarm
- Remote Start
- Adaptive Cruise Control
- 12-volt auxiliary cargo area power outlet
- USB ports
- Single-zone automatic climate control
- Rear air vents
- Cabin air filter
- Inside rearview manual day/night mirror
- Driver and front passenger visors with illuminated mirrors
- Driver seatback map pocket
- Front passenger seatback map pocket
- 1 Scheduled Maintenance Visit 1
- Bumper-to-Bumper Limited Warranty 1
- Corrosion Protection 1
- Powertrain/Drivetrain Limited Warranty 1
- Roadside Assistance Program 1
- Enhanced Automatic Emergency Braking
- Intersection Automatic Emergency Braking
- Rear Cross Traffic Braking
- Reverse Automatic Braking
- Front Pedestrian and Bicyclist Braking
- Airbag system
- Passenger Sensing System
- OnStar services capable
- OnStar Basics
- Rear Park Assist
- HD Rear Vision Camera
- Blind Zone Steering Assist
- Side Bicyclist Alert
- Lane Keep Assist with Lane Departure Warning
- Forward Collision Alert
- Safety Alert Seat
- Following Distance Indicator
- Buckle to Drive
- Teen Driver
- Automatic Occupant Sensing display
- Occupant Presence Detection
- Rear Seat Reminder
- Seat belt restraint pretensioner, rear
- Vehicle health management
Recalls
1 NHTSA recall for 2025 to 2027 Terrain 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 2027 Terrain in California?
- $35,727 to drive away for the Elevation, from a $30,700 sticker.
- What does it cost a month?
- A $524 loan payment, about $1,156 a month with insurance, fuel and upkeep ($5,000 down); about $1,138 a month all in, after resale.
- How much can it tow?
- 1,500 lb for every trim.
Colors
Summit WhiteRapids Metallic+$495Ebony Twilight Metallic+$495Riverstone Metallic+$495Sterling Metallic+$495Volcanic Red Tintcoat+$645Downpour Metallic+$495Glacier White Tricoat+$1,095
Similar SUVs
US prices in US dollars from GMC'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.