This vehicle is no longer listed, so the estimate starts from $47,995 — 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

$855

per month

60 months · 7.0% APR · $4,800 down

Amount financed

$43,195

Total interest

$8,105

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 5YMTS0C04L9B55437

Trim

X3 M

Engine

3.0L · V6

Horsepower

473

Drivetrain

All-Wheel Drive

Transmission

Automatic

Body

Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)

Fuel

Gasoline

Doors

Model year

2020

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

Fuel economy (EPA)

Combined

MPG

City

MPG

Highway

MPG

$2,910 /yr est. fuel

Assumes 15,000 miles a year at $3.10/gallon and 16 MPG combined.

5-year cost to own

Beyond the sticker: what this 2020 BMW X3 likely costs over five years at 15,000 mi/yr.

Depreciation $15,672

Fuel $14,550

Insurance $9,950

Maintenance & repairs $5,625

Total, 5 years $45,797

Estimate — insurance and taxes vary by driver and state.

Safety & recalls

NHTSA crash tests & recall campaigns for this model year

The 2020 BMW X3 has 16 recall campaigns as of July 2026. NHTSA rated it 5 out of 5 stars overall. EPA combined fuel economy: 16 MPG.

Overall

★★★★★

5 of 5 · NHTSA

Frontal crash

★★★★★

5 of 5 · NHTSA

Side crash

★★★★★

5 of 5 · NHTSA

Rollover

★★★★☆

4 of 5 · NHTSA

Tested configuration: 2020 BMW X3 SUV RWD

16 recall campaigns on this model year

Check accident & title history →

BACK OVER PREVENTION

BMW of North America, LLC (BMW) is recalling certain 2020-2021 X3 sDrive 30i, X3 xDrive 30i, X3M 40i, X3 xDrive 30e, X4 xDrive 30i, X4M 40i, 530i, 540i, 540i xDrive, M550i…

NHTSA campaign 20V598000
BACK OVER PREVENTION

BMW of North America, LLC (BMW) is recalling certain 2019-2021 X3 sDrive30i, X3 xDrive30i, X3 M40i, X3M, X4 xDrive30i, X4 M40i, M550i, X4M, X5 sDrive40i, X5 xDrive40i, X5…

NHTSA campaign 21V096000
ELECTRICAL SYSTEM

BMW of North America, LLC (BMW) is recalling certain 2019-2020 X4 xDrive30i and X4 M40i, and 2018-2020 X3 sDrive30i, X3 xDrive30i, X3 M40i, and X3M vehicles.

NHTSA campaign 20V152000

Recall campaigns apply to the model year, not to one car. Check remedy status for this VIN at nhtsa.gov/recalls.

Model-level data for the 2020 BMW X3 from NHTSA (recalls, NCAP crash tests) and EPA fueleconomy.gov, refreshed July 28, 2026.

Where the price is heading

Typical asking price for a 2020 BMW X3 over the last 6 months — the market firmed $216 in that span.

Mar Apr May Jun Jul Aug

Monthly price table

Month	Typical price
March 2026	$22,580
April 2026	$22,992
May 2026	$22,995
June 2026	$22,998
July 2026	$22,990
August 2026	$22,796

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
2020 BMW X3 M (this car)	$47,995	37	—
2019 Honda CR-V	$19,995	11	−$28,000
2021 Nissan Rogue	$15,360	8	−$32,635
2021 Jeep Grand Cherokee	$23,592	8	−$24,403
2022 Mercedes-Benz GLC-Class	$28,492	8	−$19,503
2022 Chevrolet Traverse	$22,801	6	−$25,194

Cheapest active listings of each comparable body style in this region — median of what those models actually ask.

Market by model year

Gen 1 · 2004–2021

What each model year costs right now — live supply, median asking price and how much value each year keeps versus the newest one.

Year	Units for sale	Median price	vs newest	Avg mileage
2021	598	$24,988	100%	63,712 mi
2020	443	$22,499	90%	70,182 mi
2019	1,043	$18,247	73%	81,263 mi
2018	324	$17,596	70%	87,290 mi
2017	377	$12,495	50%	97,682 mi
2016	337	$11,754	47%	102,937 mi
2015	129	$10,553	42%	107,178 mi
2014	228	$8,864	35%	107,238 mi