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Compact Luxury SUV · Model guide*

BMW X3.

Fully redesigned: bigger, quieter, and more efficient, with mild hybrid power across the board.

Starting MSRP

$51,300*

2026 X3 30 xDrive

Fuel economy

25-29 mpg

Seats

Power

255-393 hp

Price an X3 three ways

What a BMW X3 costs where you live.

With the taxes and fees for Arizona, where you register the car. Type the price, or start at the starting MSRP, and see it as cash, a loan, and a lease. Nothing you type leaves this page.

Where you register the car

Price you agreed on$ Cash down$ Your credit score Loan term Lease term

More optionsSticker price, rebates, your trade, loan rate, lease terms, taxes and fees

The car Sticker price (MSRP)$A lease figures its residual from the sticker. Rebates and incentives$

Your trade Trade-in value$ Still owed on the trade$

Loan and lease Loan APR%Starts at Rateous's rate for your credit range and term. Change it to a rate you have. Residual%What the car is expected to be worth at the end, as a share of the sticker. Money factorAbout ... as an APR (money factor times 2,400). Acquisition fee$The leasing company's fee, usually rolled into the lease. Change it to yours.

Taxes and fees Sales tax rate%Worked out for Arizona on this price, after any trade-in credit (some places tax less above a set amount). Change it if yours differs. Title, registration, and state fees$An estimate for a new car at this price. Change it if you know yours. Dealership documentary fee$An example of $599. Type your dealership's own fee; it varies by store.

Cash

...

out the door

Sales tax: ...
Title, registration, and fees: ...
Trade-in: ...
Due at the dealership: ...

Finance

.../mo

Amount financed: ...
Total interest: ...
Payments plus cash down: ...

Lease

.../mo

Due at signing: ...
Total over the lease: ...
Value at lease end: ...

Lease or buy, over 36 months

	You pay	You own at the end	Real cost
Lease	...	Nothing; you hand it back	...
Finance	...	Equity of ...	...
Cash	...	A car worth about ...	...

An estimate on the numbers you type, not an offer of credit or a quote from any dealership. Starting loan rates are Rateous's rates for each credit range and term; they are not an offer from any lender. The starting money factor, residual, and acquisition fee are starting figures only; the leasing company sets the real ones. The documentary fee starts at an example figure, the state's legal cap where it has one or $599 where it does not, not any dealership's fee; each dealership sets its own. Taxes and state fees are estimates for Arizona; the dealership's paperwork and your motor vehicle agency have the final numbers. What you own at the end assumes the car is worth the residual. Nothing you type is sent, saved, or used to check your credit.

The calculator needs JavaScript. How it works: a loan payment is the amount financed times the monthly rate, divided by one minus (one plus the monthly rate) to the power of minus the term. A lease payment is the depreciation (net capitalized cost minus residual, divided by the term) plus the rent charge (net capitalized cost plus residual, times the money factor), plus tax the way the state taxes a lease.

X3 trims.

30 xDrive255 hp turbo four with 48-volt assist, standard AWD, all-new cabin with curved display.

M50 xDriveThe hot one: 393 hp inline-six, adaptive M suspension, 4.4-second 0-60. The M3 of SUVs without the M price.

Every new BMW carries a 4 year / 50,000 mile New Vehicle Limited Warranty, plus BMW Ultimate Care: complimentary factory scheduled maintenance for 3 years / 36,000 miles.

Compare the X3.

More BMW suvs

BMW X1Subcompact Luxury SUV · Starting MSRP $43,200*BMW X2Subcompact Coupe SUV · Starting MSRP $44,700*BMW X5Midsize Luxury SUV · Starting MSRP $68,300*BMW X6Midsize Coupe SUV · Starting MSRP $77,300*BMW X7Full-Size 3-Row Luxury SUV · Starting MSRP $87,500*

Its closest rivals, by body style, size, and class

Audi Q4 e-tronCompact Electric SUV · Starting MSRP $50,600*Mercedes-Benz GLCCompact Luxury SUV · Starting MSRP $52,400*Cadillac OptiqElectric Compact Luxury SUV · Starting MSRP $49,995*Land Rover Range Rover EvoqueCompact Luxury SUV · Starting MSRP $49,900*Land Rover Discovery SportCompact 3-Row SUV · Starting MSRP $49,900*Audi Q5Compact Luxury SUV · Starting MSRP $52,800*

Questions.

How much does the BMW X3 cost?

The 2026 BMW X3 has a starting MSRP of $51,300 for the X3 30 xDrive, as BMW advertises it, before the destination charge, options, taxes, and fees. Higher trims cost more; the M50 xDrive tops the range. Plus each dealership's own documentary fee (not a government fee), taxes, and government fees.

What trims does the BMW X3 come in?

Two: 30 xDrive, and M50 xDrive.

What gas mileage does the BMW X3 get?

25-29 mpg, depending on the trim and powertrain, per the manufacturer's published figures.

How many seats does the BMW X3 have?

Should I lease or buy a BMW X3?

It depends on how long you will keep it and how far you drive. Open the calculator on this page, type the price you agreed on, and compare the lease and the loan over the same months, with your state's taxes and your own credit tier.

Price the X3 on your numbers.

Every new car priced three ways for where you live, with taxes and fees. No credit pull, nothing sent to anyone.