Toyota Tacoma 69·Toyota Tundra 69on the MotiveGrid Score·Toyota Tacoma about $12,984 less over 5 years
The verdict
The 2026 Toyota Tacoma is the cheaper one to own — roughly $12,984 less over five years, mostly because it holds its value better. The Toyota Tundra counters with more towing capacity (12,000 vs 3,500 lbs) and more cargo room (62.3 vs 38.1 cu ft).
Go with the Toyota Tacoma for the better long-term value; consider the Toyota Tundra if you prioritize more towing capacity and more cargo space.
Last updated May 2026 · National-average estimates
Toyota Tacoma vs. Toyota Tundra
MotiveGrid scores, key specs, and five-year cost comparison: 2026 Toyota Tacoma versus 2026 Toyota Tundra.
Metric
Toyota Tacoma
Toyota Tundra
MotiveGrid Score
69
69
Cost of Ownership
84
79
Powertrain
63
46
Driver Assistance
43
43
Livability
39
31
Safety
73
97
5-Year Cost to Own
$43,774
$56,757
Depreciation (5-yr)
$7,495
$12,837
Fuel / Energy (5-yr)
$16,677
$19,243
Insurance (5-yr)
$9,470
$11,870
Maintenance (5-yr)
$2,305
$2,330
Tires (5-yr)
$2,000
$2,250
Financing (5-yr)
$4,882
$6,998
Registration (5-yr)
$945
$1,230
Starting Price
$32,445
$46,510
Horsepower
228 hp
389 hp
MPG (combined)
23 mpg
20 mpg
Cargo volume
38.1 cu ft
62.3 cu ft
Seating
5
5
Towing capacity
3,500 lbs
12,000 lbs
Drivetrain
2WD
4x2
Gas
2026$32,445
MSRP
$32,445
Mo · 5yr
$730
$43,774 / 5 years
Best for long-term savings
Gas
2026$46,510
MSRP
$46,510
Mo · 5yr
$946
$56,757 / 5 years
Best for families
VS
01 · The MotiveGrid Score
Five measured pillars, weighted into one score.
Cost, Powertrain, Driver Assistance, Livability, and Safety — each scored against its class, then combined into a single MotiveGrid Score. Built by our engineering team and benchmarked against independent sources like NHTSA, IIHS, and CarEdge. How it’s calculated →
Toyota Tacoma
0
/ 100
Toyota Tundra
0
/ 100
CostFive-year all-in cost to own, benchmarked against the class median.
Tacoma
84
Tundra
79
Winner: Tacoma
$12,984 cheaper / 5 yrs
PowertrainEnergy efficiency paired with long-term ownership confidence.
Tacoma
63
Tundra
46
Winner: Tacoma
+17 pts
Driver AssistHighway driving support, parking convenience, and hands-free automation.
Tacoma
43
Tundra
43
Evenly matched
LivabilityPassenger space, cargo room, and everyday maneuverability.
Tacoma
39
Tundra
31
Winner: Tacoma
+8 pts
SafetyCrash-test protection plus standard crash-avoidance features.
Toyota Tacoma is the better pick for long-term ownership — about $12,984 cheaper over 5 years with stronger fundamentals on running cost.
Toyota Tundra still wins if your priority is best for families.
Daily commuter
Toyota Tacoma
Lowest energy cost per mile
Budget-focused
Toyota Tacoma
Cheapest to own across 5 years
Family hauler
Toyota Tundra
Much stronger safety with substantially more cargo room
Highway driver
Toyota Tacoma
Better adaptive cruise + lane keep
City driver
Toyota Tacoma
Easiest to park and maneuver in tight spots
03
Cost of Ownership
Monthly running costs — national baseline.
Adjust for your situation
State
Miles/yr15,000
Loan rate7%
Down payment20%
Toyota Tacoma
Monthly · 5-Year avg
$730
$43,774 total / 5 years
Total · monthly$730/mo
Toyota Tundra
Monthly · 5-Year avg
$946
$56,757 total / 5 years
Total · monthly$946/mo
04
Frequently asked questions
Toyota Tacoma comes out about $12,984 cheaper over 5 years on running costs (depreciation, fuel/energy, insurance, maintenance, financing). The gap shifts with your state, annual miles, and loan rate — use the "Adjust for your situation" panel above.