: Over 10 years, a BMW X5 costs roughly $19,460 to maintain—about $7,000 more than the industry average for luxury SUVs. There is a 56.4% chance of a major repair in that first decade.

Deciding whether to buy a involves balancing its status as a benchmark for performance-oriented luxury SUVs against its higher-than-average long-term ownership costs. The current 2026 BMW X5 represents the final year of the fourth-generation (G05) platform, which many enthusiasts consider a "sweet spot" because the manufacturing bugs have largely been ironed out before a major 2027 redesign. Top Reasons to Buy

: It features a unique powered split-opening tailgate that makes loading cargo easier and provides a sturdy platform for seating or organizing groceries. Reasons to Reconsider

: If equipped with the optional 21-inch or 22-inch wheels and run-flat tires, the ride can become "spine-jarring" on rough roads. Ownership Cost Breakdown Year 1 Estimated Cost 5-Year Total (Estimated) Depreciation ~$5,500 – $6,000 ~$20,000 – $48,000 Maintenance ~$792 – $1,741 ~$6,116 – $15,192 Repairs ~$1,340 – $1,418 ~$7,700 – $8,200