2027 Toyota RAV4: real cost in California

Cheapest trim, LE · California · age 35–59 · 6 years · 13,500 mi a yearChange
Sticker$32,300the advertised price
Drive away$37,035with fees and tax
Loan payment$546/mo72-month loan at 7%, $5,000 down
True cost$993/moeverything, after resale
Car, fees and tax $37,035Insurance $16,317Fuel $10,824Interest and lost return $15,258Maintenance and plates $11,690

$37,035 to drive away + $54,089 to run it for 6 years − $19,650 back at resale = $71,474, or $993 a month.

Where the money goes

Drive away$37,035
Running it, 6 yrs+$54,089
Back at resale−$19,650
Sticker pricethe advertised MSRP
+$32,300
Feesfreight $1,595 · doc fee $85 (typical)
+$1,680
Sales and use tax, 8.99%California
+$3,055
Insuranceestimate, age 35–59, California
+$16,317
Fuel13,500 mi a year at 43 MPG
+$10,824
Maintenanceestimate
+$8,719
Lost return on your money5% a year on the down payment and each payment
+$7,969
Loan interest7% over 72 months
+$7,289
Title, registration and plates6 years in California, incl. 0.65% value tax a year
+$2,971
Resale after 6 years61% of MSRP, you get this back
−$19,650
True cost $71,474 ÷ 72 months$993 a month

The car

Size and space
BodySUV181.0–182.0 in long
Seats5
Cargo37.8 cu ftbehind row 2
Ground clearance8.1–8.5 inhigh; good for snow and trails
Engine and fuel
Engine226–236 hp hybrid, FWD, AWD
0–60 mph7.1–7.8 sour estimate from power and weight
Fuel economy38–43 MPGEPA combined
TowingUp to 3,500 lb
Tires17", 18" or 20"by trim
Safety and cover
Crash testNot rated yet
Highway assistSteers and brakeshands on the wheel · every trim
Warranty3 yrspowertrain 5 yrs · battery 10 yrs
Resale at 6 years61% of MSRPprevious generation · how it compares

Every trim

All trims: 5 seats.
LE FWD$32,300$37,035$71,474✓ $993/mo1,75043 MPG— No— No— No
LE AWD$33,900$38,779$73,290$1,018/mo1,75042 MPG— No— No✓ Yes
SE FWD$35,100$40,087$74,894$1,040/mo1,75043 MPG✓ Yes— No— No
XLE Premium FWD$36,500$41,612$76,096$1,057/mo1,75043 MPG✓ Yes— No— No
SE AWD$36,700$41,830$76,711$1,065/mo3,50042 MPG✓ Yes— No✓ Yes
XLE Premium AWD$38,100$43,356$78,189$1,086/mo3,50041 MPG✓ Yes— No✓ Yes
Woodland$40,655$46,141$81,732$1,135/mo3,50038 MPG✓ Yes— No✓ Yes
XSE$41,900$47,498$82,765$1,150/mo3,50041 MPG✓ Yes✓ Yes✓ Yes
Limited$43,900$49,678$84,383$1,172/mo3,50041 MPG✓ Yes✓ Yes✓ Yes
LEFWD
✓ $993/mo
True cost
Sticker $32,300Drive-away $37,0356 yrs $71,474Tows 1,750Fuel use 43 MPGHeated seats — NoSunroof — NoAWD/4WD — No
LEAWD
$1,018/mo
True cost
Sticker $33,900Drive-away $38,7796 yrs $73,290Tows 1,750Fuel use 42 MPGHeated seats — NoSunroof — NoAWD/4WD ✓ Yes
SEFWD
$1,040/mo
True cost
Sticker $35,100Drive-away $40,0876 yrs $74,894Tows 1,750Fuel use 43 MPGHeated seats ✓ YesSunroof — NoAWD/4WD — No
XLE PremiumFWD
$1,057/mo
True cost
Sticker $36,500Drive-away $41,6126 yrs $76,096Tows 1,750Fuel use 43 MPGHeated seats ✓ YesSunroof — NoAWD/4WD — No
SEAWD
$1,065/mo
True cost
Sticker $36,700Drive-away $41,8306 yrs $76,711Tows 3,500Fuel use 42 MPGHeated seats ✓ YesSunroof — NoAWD/4WD ✓ Yes
XLE PremiumAWD
$1,086/mo
True cost
Sticker $38,100Drive-away $43,3566 yrs $78,189Tows 3,500Fuel use 41 MPGHeated seats ✓ YesSunroof — NoAWD/4WD ✓ Yes
Woodland
$1,135/mo
True cost
Sticker $40,655Drive-away $46,1416 yrs $81,732Tows 3,500Fuel use 38 MPGHeated seats ✓ YesSunroof — NoAWD/4WD ✓ Yes
XSE
$1,150/mo
True cost
Sticker $41,900Drive-away $47,4986 yrs $82,765Tows 3,500Fuel use 41 MPGHeated seats ✓ YesSunroof ✓ YesAWD/4WD ✓ Yes
Limited
$1,172/mo
True cost
Sticker $43,900Drive-away $49,6786 yrs $84,383Tows 3,500Fuel use 41 MPGHeated seats ✓ YesSunroof ✓ YesAWD/4WD ✓ Yes

Features, trim by trim

Cheapest on the left. Each bar starts at the trim that adds it.
Feature
LE FWD$32,300
LE AWD$33,900
SE FWD$35,100
XLE Premium FWD$36,500
SE AWD$36,700
XLE Premium AWD$38,100
Woodland$40,655
XSE$41,900
Limited$43,900
Safety and driver assist
Automatic braking
✓ Every trim
Blind-spot monitor
✓ Every trim
Rear cross-traffic alert
✓ Every trim
Adaptive cruise
✓ Every trim
Lane centering
✓ Every trim
Parking sensors
✓ from SE FWD
Comfort
Heated seats
✓ from SE FWD
Heated steering wheel
✓
✓ from Limited
Dual-zone climate
✓ Every trim
Convenience
Remote start
✓ Every trim
Power liftgate
✓
✓ from XLE Premium AWD
Wireless phone charging
✓
✓ from XLE Premium AWD
Tech and audio
Apple CarPlay and Android Auto
✓ Every trim
Capability and looks
AWD or 4WD
✓
✓ from SE AWD
Tow hitch included
✓
Sunroof
✓ from XSE
Panoramic roof
✓ from Limited
Not listed on any trimHands-free driving360° cameraCooled seatsHeated rear seatsMassaging seatsPush-button startPower driver's seatMemory seatWireless CarPlayBuilt-in navigationPremium sound systemHead-up displayLarge touchscreen (12 in+)LED headlights
Full standard equipment on the LE LE FWD (50 items)
  • Intermittent windshield wipers and intermittent rear window wiper
  • Privacy glass on all rear side, quarter and liftgate windows
  • Satin-black power outside mirrors with turn signal and blind spot warning indicators
  • Wide overfenders with black cladding and an ascending belt line with chiseled body panels
  • Low-profile black roof rails
  • Aero-stabilizing fins and underbody with active front spats
  • LED Daytime Running Lights (DRL)
  • Dual exhaust
  • Black roof-mounted shark-fin antenna
  • 17-in. dark gray metallic wheels
  • LED taillights
  • Body-colored grille
  • Shift lever with sequential mode
  • Sun visors with illuminated vanity mirrors
  • Electric Parking Brake (EPB) with Brake Hold
  • Dual zone automatic climate control system with dust and pollen filter and rear-seat vents
  • Turn signal stalk with headlight controls and one-touch 3-blink lane change turn signals
  • Dual-purpose storage door hand holds
  • Removeable front cupholder divider
  • Passenger-side lockable glove compartment
  • Two front and two rear cup holders; two front and two rear bottle holders
  • Front-door storage pockets with bottle holders
  • LED front-seat reading lights, dome light and cargo area light
  • Cargo area light
  • Fabric-trimmed seats; 6-way manual front seats with seatback pocket
  • 60/40 split reclining fold-flat rear seat with center armrest and cup holders
  • Overhead console with maplights, sunglasses storage and Safety Connect button
  • Cargo area tonneau cover
  • Height-adjustable rear cargo area deck board
  • Black carpet flooring with driver-side footrest
  • Day/night rearview mirror
  • Two 15w front USB-C charging ports and one center console media USB-C charging port
  • Power windows with auto up/down and jam protection in all positions
  • Power door locks with shift-linked automatic lock/unlock feature
  • Rear liftgate window defogger
  • Drive Recorder Dash Cam
  • Anti-theft system with engine immobilizer
  • Blind Spot Monitor (BSM) with Rear Cross-Traffic Alert (RCTA) and Safe Exit Alert (SEA)
  • Vehicle Proximity Notification System (VPNS)
  • Trailer-Sway Control (TSC)
  • Hill Start Assist Control (HAC)
  • Front and outboard second-row seatbelts with seatbelt pretensioners with force limiters
  • LATCH (Lower Anchors and Tethers for CHildren)
  • Adjustable front shoulder anchors
  • Toyota Safety Sense 4.0 (TSS 4.0)
  • Backup camera with dynamic gridlines
  • Eight airbags
  • Front and rear side-impact door beams
  • Star Safety System
  • Child-protector rear door locks and power window lockout control

Recalls

3 NHTSA recalls for 2025 to 2027 RAV4 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 RAV4 in California?
$37,035 to drive away for the LE, from a $32,300 sticker.
What does it cost a month?
A $546 loan payment, about $1,085 a month with insurance, fuel and upkeep ($5,000 down); about $993 a month all in, after resale.
How much can it tow?
From 1,750 lb to 3,500 lb, depending on the trim.

Similar SUVs

US prices in US dollars from Toyota'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.