Subcompact Luxury SUV · Model guide*

Volvo XC40.

The entry Volvo: city-sized, cleverly packaged, and unmistakably Scandinavian inside. Mild-hybrid power keeps it smooth and efficient.

Starting MSRP

$39,900*

2026 XC40 B4 FWD Core mild hybrid

Fuel economy

up to 26 mpg

Seats

Power

247 hp

Price an XC40 three ways

What a Volvo XC40 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.

XC40 trims.

CoreThe entry: 247 hp mild hybrid, full safety suite, Google built-in infotainment.

PlusHeated seats and wheel, wireless charging, upgraded trim.

UltraThe loaded one: Harman Kardon audio, panoramic roof, 360 camera, premium seats.

Ultra Black EditionThe style flagship: gloss-black wheels and trim over full Ultra equipment.

Every new Volvo carries a 4 year / 50,000 mile new vehicle warranty, and EVs add an 8 year / 100,000 mile battery warranty. Many model years also include 3 years / 36,000 miles of complimentary factory scheduled maintenance, but that varies by model year, so confirm it on the specific year you buy.

Compare the XC40.

More Volvo gas & hybrid suvs

Volvo XC60Compact Luxury SUV · Starting MSRP $49,700*Volvo XC903-Row Luxury SUV · Starting MSRP $61,050*

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

MINI CountrymanSubcompact Premium SUV · Starting MSRP $38,900*Mercedes-Benz GLASubcompact Luxury SUV · Starting MSRP $41,500*Lexus UXSubcompact Luxury SUV · Starting MSRP $37,655*BMW X1Subcompact Luxury SUV · Starting MSRP $43,200*Mercedes-Benz GLBSubcompact 3-Row SUV · Starting MSRP $43,800*Audi Q3Subcompact Luxury SUV · Starting MSRP $44,400*

Questions.

How much does the Volvo XC40 cost?

The 2026 Volvo XC40 has a starting MSRP of $39,900 for the XC40 B4 FWD Core mild hybrid, as Volvo advertises it, before the destination charge, options, taxes, and fees. Higher trims cost more; the Ultra Black Edition tops the range. Plus each dealership's own documentary fee (not a government fee), taxes, and government fees.

What trims does the Volvo XC40 come in?

Four: Core, Plus, Ultra, and Ultra Black Edition.

What gas mileage does the Volvo XC40 get?

Up to 26 mpg, depending on the trim and powertrain, per the manufacturer's published figures.

How many seats does the Volvo XC40 have?

Should I lease or buy a Volvo XC40?

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 XC40 on your numbers.

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