What a Honda Civic really costs per month
By Mihir · Updated November 2026 · Numbers from the CarBudgetFit calculator
The sticker price is the start. Here is what a Honda Civic costs each month once you add the loan, insurance, gas and upkeep, new or 3 years old.
A new Honda Civic costs about $834 a month to own; a 3-year-old one about $749
The Honda Civic is the #12 best-selling vehicle in the US this year, with 195,135 sold from January to September. At about 36 mpg combined, gas comes to around $86 a month at 12,000 miles a year. Honda models hold their value better than most, so a 3-year-old Civic still sells for about 79% of new. Good for resale, but it means used ones are not much of a bargain. Of the 5 compact cars we track, it is the 5th cheapest to own new; the Kia K4 costs about $60 a month less.
Monthly cost breakdown, new vs used
| New | Used, 3 yrs old | |
|---|---|---|
| Price (mid-level trim) | $29,100 | $23,000 |
| Loan payment | $542 | $441 |
| Insurance | $160 | $147 |
| Gas | $86 | $86 |
| Maintenance and repairs | $45 | $75 |
| All-in per month | $834 | $749 |
| Interest over the loan | $5,084 | $5,457 |
Assumes good credit (9.5% APR used, 6.9% new), a 5-year loan, $4,000 down, 6% sales tax plus $600 in fees, 12,000 miles a year, gas at $3.10 and full-coverage insurance at typical rates. Your numbers will differ; the calculator lets you change every one of these.
What salary do you need for a Honda Civic?
Keeping all car costs under 20% of take-home pay, a new Civic needs a salary of roughly $62,000 and a 3-year-old one roughly $56,000. For the more comfortable 15% target, it's about $87,000 for new and $76,000 for used.
Estimated for a single filer after federal tax, Social Security, Medicare and about 3.5% state tax.
By trim level
Going from the base trim to the top trim adds about $173 a month, mostly in the loan payment.
| Trim | New price | All-in / month |
|---|---|---|
| Base | $26,000 | $760 |
| Mid-level | $29,100 | $834 |
| Top | $33,300 | $933 |
Base is the published starting price. Mid-level and top are estimated at about 12% and 28% more.
How your credit changes the cost
On a new Civic, the difference between excellent and rebuilding credit is about $111 a month, or $6,660 over a 5-year loan.
| Credit | New | Used |
|---|---|---|
| Excellent5.2% / 7% APR | $812 | $724 |
| Good6.9% / 9.5% APR | $834 | $749 |
| Fair9.8% / 13.8% APR | $872 | $795 |
| Rebuilding13.5% / 18.5% APR | $923 | $847 |
Loan length, new Honda Civic
A longer loan lowers the payment but raises the interest. A 6-year loan costs about $2,110 more in interest than a 4-year loan.
| Loan length | Payment | All-in | Total interest |
|---|---|---|---|
| 3 years | $846 | $1,138 | $3,017 |
| 4 years | $656 | $947 | $4,040 |
| 5 years | $542 | $834 | $5,084 |
| 6 years | $467 | $758 | $6,150 |
Compared with other compact cars
Mid-level trims, all-in monthly cost. Click any model for its full breakdown, or see all 59 models.
| Model | New, all-in | Used, all-in |
|---|---|---|
| Kia K4 | $774 | $669 |
| Hyundai Elantra | $784 | $677 |
| Nissan Sentra | $793 | $685 |
| Toyota Corolla | $800 | $721 |
| Honda Civic this page | $834 | $749 |
Reviews
What reviewers and owners say about the Honda Civic
Brand reliability from Consumer Reports' predicted reliability survey, published December 2025. Links open each site's latest coverage.
Safety
How safe is the Honda Civic?
IIHS awards for 2026 from IIHS releases through October 22, 2026. NHTSA is the federal safety agency; IIHS is funded by insurers and runs tougher tests. Always check a used car's VIN for open recalls.
Put in your own down payment, credit and insurance for the Honda Civic.
Open the calculator →Common questions
How much does a Honda Civic cost per month?
About $834 a month new and $749 for a 3-year-old one, counting the loan payment, insurance, gas and maintenance. That assumes a mid-level trim, $4,000 down, a 5-year loan and good credit. The loan payment alone is about $542 new.
What salary do you need to afford a Honda Civic?
Roughly $62,000 a year for a new one and $56,000 for a 3-year-old one, if you keep all car costs under 20% of take-home pay.
Is it cheaper to buy a used Honda Civic?
A 3-year-old Civic costs about $85 a month less to own than a new one, mainly from a lower price. Used-car loans carry higher interest (9.5% vs 6.9% with good credit) and upkeep is higher, which eats into the savings.
Guides by price, salary and payment
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