This vehicle is no longer listed, so the estimate starts from $31,418 — the typical market price for this build. Move the numbers to match your own loan.

Vehicle price

Down payment

10% down

Interest rate (APR)

7.0% is a typical rate for a well-qualified buyer — use your own quote if you have one.

Loan term

Estimated monthly payment

$560

per month

60 months · 7.0% APR · $3,142 down

Amount financed

$28,276

Total interest

$5,324

Estimate only. Excludes tax, title, registration and dealer fees, and assumes a fixed-rate loan with equal monthly payments. Your actual rate depends on your credit and lender.

Decoded from the VIN

NHTSA build data for 1FTMF1E54MKF09688

Trim

Xlt

Engine

5.0L · V8

Horsepower

395

Drivetrain

4WD/4-Wheel Drive/4x4

Body

Pickup

Fuel

Gasoline

Model year

2021

Made by

FORD MOTOR COMPANY

Full factory specs for this build →

✓ Backup camera
✗ Blind-spot monitor
✓ Lane departure
✓ ABS
✓ Electronic stability

Fuel economy (EPA)

Combined

MPG

City

MPG

Highway

MPG

$2,330 /yr est. fuel

Assumes 15,000 miles a year at $3.10/gallon and 20 MPG combined.

5-year cost to own

Beyond the sticker: what this 2021 Ford F-150 likely costs over five years at 15,000 mi/yr.

Depreciation $11,054

Fuel $11,650

Insurance $8,000

Maintenance & repairs $3,750

Total, 5 years $34,454

Estimate — insurance and taxes vary by driver and state.

Model-level data for the 2021 Ford F-150 from EPA fueleconomy.gov, refreshed August 21, 2026.

How it compares to rivals

Median asking price for comparable body styles listed near this car

Model	Median price	For sale nearby	vs this car
2021 Ford F-150 XLT (this car)	$31,418	20	—
2022 Ram 1500	$24,695	20	−$6,723
2020 Chevrolet Silverado	$27,990	19	−$3,428
2022 Toyota Tacoma	$28,386	19	−$3,032
2021 Ford F-150	$30,450	14	−$968
2020 GMC Sierra	$29,432	10	−$1,986