2026 Toyota Tacoma: real cost in California

Cheapest trim, SR · California · age 35–59 · 6 years · 13,500 mi a yearChange
Sticker$32,545the advertised price
Drive away$37,465with fees and tax
Loan payment$554/mo72-month loan at 7%, $5,000 down
True cost$1,135/moeverything, after resale
Car, fees and tax $37,465Insurance $17,567Fuel $20,243Interest and lost return $15,440Maintenance and plates $12,596

$37,465 to drive away + $65,846 to run it for 6 years − $21,601 back at resale = $81,711, or $1,135 a month.

Where the money goes

Drive away$37,465
Running it, 6 yrs+$65,846
Back at resale−$21,601
Sticker pricethe advertised MSRP
+$32,545
Feesfreight $1,745 · doc fee $85 (typical)
+$1,830
Sales and use tax, 8.99%California
+$3,090
Fuel13,500 mi a year at 23 MPG
+$20,243
Insuranceestimate, age 35–59, California
+$17,567
Maintenanceestimate
+$9,574
Lost return on your money5% a year on the down payment and each payment
+$8,053
Loan interest7% over 72 months
+$7,387
Title, registration and plates6 years in California, incl. 0.65% value tax a year
+$3,022
Resale after 6 years66% of MSRP, you get this back
−$21,601
True cost $81,711 ÷ 72 months$1,135 a month

The car

Size and space
BodyPickup213.0–227.4 in long
Seats2, 5
Cargo73.5" bed
Ground clearance9.9–11.5 inhigh; good for snow and trails
Engine and fuel
Engine228–326 hp gas or hybrid, RWD, 4WD
0–60 mph6.0–8.6 sour estimate from power and weight
Fuel economy20–23 MPGEPA combined
TowingUp to 6,500 lb
Tires17" or 18"by trim
Safety and cover
Crash test4 of 5 starsNHTSA · see the test ↗
Highway assistSteers and brakeshands on the wheel · every trim
Warranty3 yrspowertrain 5 yrs
Resale at 6 years66% of MSRPprevious generation · how it compares

Every trim

Every trim: auto braking, blind spot, lane centering, adaptive cruise, heated seats, 9.9–11.5 in clearance.
SR 4x2 XtraCab LB$32,545$37,465$81,711✓ $1,135/mo23,50023 MPG— No— No
SR 4x2 Double Cab SB$34,205$39,275$83,239$1,156/mo53,50023 MPG— No— No
SR 4x4 XtraCab LB$35,745$40,953$86,575$1,202/mo23,50021 MPG— No✓ Yes
SR5 4x2 XtraCab LB$36,635$41,923$85,475$1,187/mo26,50023 MPG— No— No
SR 4x4 Double Cab 6MT SB$37,405$42,762$89,285$1,240/mo56,40020 MPG— No✓ Yes
SR 4x4 Double Cab SB$37,405$42,762$88,177$1,225/mo53,50021 MPG— No✓ Yes
SR5 4x2 Double Cab SB$37,705$43,089$86,534$1,202/mo56,40023 MPG— No— No
SR5 4x2 Double Cab LB$38,205$43,634$86,994$1,208/mo56,40023 MPG— No— No
TRD Prerunner 4x2 XtraCab LB$39,135$44,648$88,834$1,234/mo26,50022 MPG— No— No
SR5 4x4 XtraCab LB$39,835$45,411$90,487$1,257/mo26,50021 MPG— No✓ Yes
TRD Sport 4x2 Double Cab SB$40,415$46,043$90,085$1,251/mo56,40022 MPG✓ Yes— No
SR5 4x4 Double Cab SB$40,905$46,577$91,545$1,271/mo56,40021 MPG✓ Yes✓ Yes
TRD Sport 4x2 Double Cab LB$40,915$46,588$90,545$1,258/mo56,40022 MPG✓ Yes— No
SR5 4x4 Double Cab LB$41,405$47,122$92,006$1,278/mo56,40021 MPG✓ Yes✓ Yes
TRD Sport 4x4 Double Cab 6MT SB$42,815$48,659$94,485$1,312/mo56,40020 MPG✓ Yes✓ Yes
TRD Off-Road 4x4 Double Cab 6MT SB$42,815$48,659$94,485$1,312/mo56,40020 MPG✓ Yes✓ Yes
TRD Sport 4x4 Double Cab SB$43,615$49,531$94,113$1,307/mo56,40021 MPG✓ Yes✓ Yes
TRD Off-Road 4x4 Double Cab SB$43,915$49,857$94,389$1,311/mo56,30021 MPG✓ Yes✓ Yes
TRD Sport 4x4 Double Cab LB$44,115$50,075$94,721$1,316/mo56,40021 MPG✓ Yes✓ Yes
TRD Off-Road 4x4 Double Cab LB$44,415$50,402$94,997$1,319/mo56,40021 MPG✓ Yes✓ Yes
TRD Sport i-FORCE MAX Double Cab 4x4$47,335$53,585$95,765$1,330/mo56,00023 MPG✓ Yes✓ Yes
TRD Off-Road i-FORCE MAX Double Cab 4x4$47,635$53,912$96,041$1,334/mo56,00023 MPG✓ Yes✓ Yes
Limited 4x4 Double Cab SB$53,570$60,380$103,423$1,436/mo56,30021 MPG✓ Yes✓ Yes
Limited i-FORCE MAX Double Cab 4x4$56,895$64,004$104,564$1,452/mo56,00023 MPG✓ Yes✓ Yes
Trailhunter i-FORCE MAX Double Cab 4x4$63,750$71,476$110,874$1,540/mo56,00023 MPG✓ Yes✓ Yes
Trailhunter i-FORCE MAX Double Cab 4x4 6' Bed$64,250$72,021$111,334$1,546/mo55,95023 MPG✓ Yes✓ Yes
TRD Pro i-FORCE MAX Double Cab 4x4$64,750$72,566$111,794$1,553/mo56,00023 MPG✓ Yes✓ Yes
SR4x2 XtraCab LB
✓ $1,135/mo
True cost
Sticker $32,545Drive-away $37,4656 yrs $81,711Seats 2Tows 3,500Fuel use 23 MPGSunroof — NoAWD/4WD — No
SR4x2 Double Cab SB
$1,156/mo
True cost
Sticker $34,205Drive-away $39,2756 yrs $83,239Seats 5Tows 3,500Fuel use 23 MPGSunroof — NoAWD/4WD — No
SR4x4 XtraCab LB
$1,202/mo
True cost
Sticker $35,745Drive-away $40,9536 yrs $86,575Seats 2Tows 3,500Fuel use 21 MPGSunroof — NoAWD/4WD ✓ Yes
SR54x2 XtraCab LB
$1,187/mo
True cost
Sticker $36,635Drive-away $41,9236 yrs $85,475Seats 2Tows 6,500Fuel use 23 MPGSunroof — NoAWD/4WD — No
SR4x4 Double Cab 6MT SB
$1,240/mo
True cost
Sticker $37,405Drive-away $42,7626 yrs $89,285Seats 5Tows 6,400Fuel use 20 MPGSunroof — NoAWD/4WD ✓ Yes
SR4x4 Double Cab SB
$1,225/mo
True cost
Sticker $37,405Drive-away $42,7626 yrs $88,177Seats 5Tows 3,500Fuel use 21 MPGSunroof — NoAWD/4WD ✓ Yes
SR54x2 Double Cab SB
$1,202/mo
True cost
Sticker $37,705Drive-away $43,0896 yrs $86,534Seats 5Tows 6,400Fuel use 23 MPGSunroof — NoAWD/4WD — No
SR54x2 Double Cab LB
$1,208/mo
True cost
Sticker $38,205Drive-away $43,6346 yrs $86,994Seats 5Tows 6,400Fuel use 23 MPGSunroof — NoAWD/4WD — No
TRD Prerunner4x2 XtraCab LB
$1,234/mo
True cost
Sticker $39,135Drive-away $44,6486 yrs $88,834Seats 2Tows 6,500Fuel use 22 MPGSunroof — NoAWD/4WD — No
SR54x4 XtraCab LB
$1,257/mo
True cost
Sticker $39,835Drive-away $45,4116 yrs $90,487Seats 2Tows 6,500Fuel use 21 MPGSunroof — NoAWD/4WD ✓ Yes
TRD Sport4x2 Double Cab SB
$1,251/mo
True cost
Sticker $40,415Drive-away $46,0436 yrs $90,085Seats 5Tows 6,400Fuel use 22 MPGSunroof ✓ YesAWD/4WD — No
SR54x4 Double Cab SB
$1,271/mo
True cost
Sticker $40,905Drive-away $46,5776 yrs $91,545Seats 5Tows 6,400Fuel use 21 MPGSunroof ✓ YesAWD/4WD ✓ Yes
TRD Sport4x2 Double Cab LB
$1,258/mo
True cost
Sticker $40,915Drive-away $46,5886 yrs $90,545Seats 5Tows 6,400Fuel use 22 MPGSunroof ✓ YesAWD/4WD — No
SR54x4 Double Cab LB
$1,278/mo
True cost
Sticker $41,405Drive-away $47,1226 yrs $92,006Seats 5Tows 6,400Fuel use 21 MPGSunroof ✓ YesAWD/4WD ✓ Yes
TRD Sport4x4 Double Cab 6MT SB
$1,312/mo
True cost
Sticker $42,815Drive-away $48,6596 yrs $94,485Seats 5Tows 6,400Fuel use 20 MPGSunroof ✓ YesAWD/4WD ✓ Yes
TRD Off-Road4x4 Double Cab 6MT SB
$1,312/mo
True cost
Sticker $42,815Drive-away $48,6596 yrs $94,485Seats 5Tows 6,400Fuel use 20 MPGSunroof ✓ YesAWD/4WD ✓ Yes
TRD Sport4x4 Double Cab SB
$1,307/mo
True cost
Sticker $43,615Drive-away $49,5316 yrs $94,113Seats 5Tows 6,400Fuel use 21 MPGSunroof ✓ YesAWD/4WD ✓ Yes
TRD Off-Road4x4 Double Cab SB
$1,311/mo
True cost
Sticker $43,915Drive-away $49,8576 yrs $94,389Seats 5Tows 6,300Fuel use 21 MPGSunroof ✓ YesAWD/4WD ✓ Yes
TRD Sport4x4 Double Cab LB
$1,316/mo
True cost
Sticker $44,115Drive-away $50,0756 yrs $94,721Seats 5Tows 6,400Fuel use 21 MPGSunroof ✓ YesAWD/4WD ✓ Yes
TRD Off-Road4x4 Double Cab LB
$1,319/mo
True cost
Sticker $44,415Drive-away $50,4026 yrs $94,997Seats 5Tows 6,400Fuel use 21 MPGSunroof ✓ YesAWD/4WD ✓ Yes
TRD Sport i-FORCE MAXDouble Cab 4x4
$1,330/mo
True cost
Sticker $47,335Drive-away $53,5856 yrs $95,765Seats 5Tows 6,000Fuel use 23 MPGSunroof ✓ YesAWD/4WD ✓ Yes
TRD Off-Road i-FORCE MAXDouble Cab 4x4
$1,334/mo
True cost
Sticker $47,635Drive-away $53,9126 yrs $96,041Seats 5Tows 6,000Fuel use 23 MPGSunroof ✓ YesAWD/4WD ✓ Yes
Limited4x4 Double Cab SB
$1,436/mo
True cost
Sticker $53,570Drive-away $60,3806 yrs $103,423Seats 5Tows 6,300Fuel use 21 MPGSunroof ✓ YesAWD/4WD ✓ Yes
Limited i-FORCE MAXDouble Cab 4x4
$1,452/mo
True cost
Sticker $56,895Drive-away $64,0046 yrs $104,564Seats 5Tows 6,000Fuel use 23 MPGSunroof ✓ YesAWD/4WD ✓ Yes
Trailhunteri-FORCE MAX Double Cab 4x4
$1,540/mo
True cost
Sticker $63,750Drive-away $71,4766 yrs $110,874Seats 5Tows 6,000Fuel use 23 MPGSunroof ✓ YesAWD/4WD ✓ Yes
Trailhunteri-FORCE MAX Double Cab 4x4 6' Bed
$1,546/mo
True cost
Sticker $64,250Drive-away $72,0216 yrs $111,334Seats 5Tows 5,950Fuel use 23 MPGSunroof ✓ YesAWD/4WD ✓ Yes
TRD Proi-FORCE MAX Double Cab 4x4
$1,553/mo
True cost
Sticker $64,750Drive-away $72,5666 yrs $111,794Seats 5Tows 6,000Fuel use 23 MPGSunroof ✓ 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
SR 4x2 XtraCab LB$32,545
SR 4x2 Double Cab SB$34,205
SR 4x4 XtraCab LB$35,745
SR5 4x2 XtraCab LB$36,635
SR 4x4 Double Cab 6MT SB$37,405
SR 4x4 Double Cab SB$37,405
SR5 4x2 Double Cab SB$37,705
SR5 4x2 Double Cab LB$38,205
TRD Prerunner 4x2 XtraCab LB$39,135
SR5 4x4 XtraCab LB$39,835
TRD Sport 4x2 Double Cab SB$40,415
SR5 4x4 Double Cab SB$40,905
TRD Sport 4x2 Double Cab LB$40,915
SR5 4x4 Double Cab LB$41,405
TRD Sport 4x4 Double Cab 6MT SB$42,815
TRD Off-Road 4x4 Double Cab 6MT SB$42,815
TRD Sport 4x4 Double Cab SB$43,615
TRD Off-Road 4x4 Double Cab SB$43,915
TRD Sport 4x4 Double Cab LB$44,115
TRD Off-Road 4x4 Double Cab LB$44,415
TRD Sport i-FORCE MAX Double Cab 4x4$47,335
TRD Off-Road i-FORCE MAX Double Cab 4x4$47,635
Limited 4x4 Double Cab SB$53,570
Limited i-FORCE MAX Double Cab 4x4$56,895
Trailhunter i-FORCE MAX Double Cab 4x4$63,750
Trailhunter i-FORCE MAX Double Cab 4x4 6' Bed$64,250
TRD Pro i-FORCE MAX Double Cab 4x4$64,750
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
360° camera
✓ TRD Sport 4x4 Double Cab LB to TRD Off-Road 4x4 Double Cab LB
✓ Limited 4x4 Double Cab SB to Limited i-FORCE MAX Double Cab 4x4
Parking sensors
✓ from TRD Sport 4x2 Double Cab SB
Comfort
Heated seats
✓ Every trim
Cooled seats
✓ from TRD Sport 4x4 Double Cab LB
Heated steering wheel
✓ from TRD Sport 4x2 Double Cab SB
Dual-zone climate
✓ from TRD Sport 4x4 Double Cab LB
Convenience
Push-button start
✓ Every trim
Remote start
✓ Every trim
Wireless phone charging
✓ from TRD Sport 4x2 Double Cab SB
Power driver's seat
✓ from TRD Sport 4x2 Double Cab SB
Tech and audio
Apple CarPlay and Android Auto
✓ Every trim
Wireless CarPlay
✓ Every trim
Premium sound system
✓ from TRD Sport 4x2 Double Cab SB
Head-up display
✓ Limited 4x4 Double Cab SB to Limited i-FORCE MAX Double Cab 4x4
Large touchscreen (12 in+)
+ $720
+ $720
+ $720
✓ from TRD Sport 4x4 Double Cab LB
Capability and looks
AWD or 4WD
✓
✓ SR 4x4 Double Cab 6MT SB to SR 4x4 Double Cab SB
✓
✓
✓ from SR5 4x4 Double Cab LB
Tow hitch included
✓ Every trim
Sunroof
✓ TRD Sport 4x2 Double Cab SB to SR5 4x4 Double Cab LB
+ $850
✓ from TRD Sport 4x4 Double Cab LB

Toyota lists only a few items for this model, so features not shown above may still be fitted; check with the dealer.

Full standard equipment on the SR SR 4x2 XtraCab LB (11 items)
  • 17-in. steel wheels
  • LED bed lighting
  • Deck rail system with four adjustable tie-down cleats and fixed cargo bed tie-down points
  • 6-ft. bed
  • Lightweight "TACOMA" stamped tailgate
  • Smart Key System on driver door with Push Button Start
  • Manual day/night rearview mirror
  • Dual USB-C ports with power delivery
  • Class-IV towing hitch receiver and wiring harness with 7-pin/4-pin connector
  • Backup Guide Monitor
  • Toyota Safety Sense 3.0 (TSS 3.0)

Recalls

6 NHTSA recalls for 2024 to 2026 Tacoma 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 Tacoma in California?
$37,465 to drive away for the SR, from a $32,545 sticker.
What does it cost a month?
A $554 loan payment, about $1,254 a month with insurance, fuel and upkeep ($5,000 down); about $1,135 a month all in, after resale.
How much can it tow?
From 3,500 lb to 6,500 lb, depending on the trim.

Similar pickups

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.