3-Row Luxury SUV · Model guide*

Volvo XC90.

The flagship family Volvo: seven seats, a serene Scandinavian cabin, and a 455 hp T8 plug-in that does the school run on electricity.

Starting MSRP

$61,050*

2026 XC90 B5 AWD Core 7-seater mild hybrid

Fuel economy

up to 27 mpg (58 MPGe PHEV)

Seats

Power

247-455 hp

Towing, properly equipped

5,000 lbs

Price an XC90 three ways

What a Volvo XC90 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

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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.

XC90 trims.

CoreThe entry: 247 hp B5 mild hybrid, seven seats, full safety suite, big portrait touchscreen.

PlusUpgraded interior, premium audio availability. Offered as B5, 295 hp B6, or 455 hp T8 plug-in hybrid.

UltraThe flagship: Nappa leather, Bowers & Wilkins, air suspension, massaging front seats. B6 or T8 power.

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 XC90.

More Volvo gas & hybrid suvs

Volvo XC40Subcompact Luxury SUV · Starting MSRP $39,900*Volvo XC60Compact Luxury SUV · Starting MSRP $49,700*

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

Lincoln Aviator3-Row Luxury SUV · Starting MSRP $57,495*Infiniti QX603-Row Luxury SUV · Starting MSRP $57,290*Land Rover Discovery3-Row Luxury SUV · Starting MSRP $64,900*Lexus TX3-Row Luxury SUV · Starting MSRP $56,940*Acura MDX3-Row Luxury SUV · Starting MSRP $51,800*Audi Q7Midsize 3-Row Luxury SUV · Starting MSRP $70,900*

Questions.

How much does the Volvo XC90 cost?

The 2026 Volvo XC90 has a starting MSRP of $61,050 for the XC90 B5 AWD Core 7-seater mild hybrid, as Volvo advertises it, before the destination charge, options, taxes, and fees. Higher trims cost more; the Ultra tops the range. Plus each dealership's own documentary fee (not a government fee), taxes, and government fees.

What trims does the Volvo XC90 come in?

Three: Core, Plus, and Ultra.

What gas mileage does the Volvo XC90 get?

Up to 27 mpg (58 MPGe PHEV), depending on the trim and powertrain, per the manufacturer's published figures.

How many seats does the Volvo XC90 have?

How much can the Volvo XC90 tow?

Up to 5,000 lbs, properly equipped.

Should I lease or buy a Volvo XC90?

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 XC90 on your numbers.

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