This vehicle is no longer listed, so the estimate starts from $28,782 — 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

$513

per month

60 months · 7.0% APR · $2,878 down

Amount financed

$25,904

Total interest

$4,876

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 5UX2V1C08M9H95278

Trim

XDRIVE30I

Engine

2.0L · V4

Horsepower

248

Drivetrain

AWD/All-Wheel Drive

Transmission

Automatic

Body

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

Fuel

Gasoline

Doors

Model year

2021

✓ 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 2021 BMW X4 likely costs over five years at 15,000 mi/yr.

Depreciation $10,127

Fuel $14,550

Insurance $5,900

Maintenance & repairs $5,625

Total, 5 years $36,202

Estimate — insurance and taxes vary by driver and state.

Safety & recalls

NHTSA crash tests & recall campaigns for this model year

The 2021 BMW X4 has 8 recall campaigns as of July 2026. EPA combined fuel economy: 16 MPG.

8 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
FUEL SYSTEM, GASOLINE

BMW of North America, LLC (BMW) is recalling certain 2021 X3 sDrive30i, X3 xDrive30i, X3 M40i, X3M, and X4, and 2021 X4 xDrive30i vehicles.

NHTSA campaign 21V199000

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 2021 BMW X4 from NHTSA (recalls, NCAP crash tests) and EPA fueleconomy.gov, refreshed July 28, 2026.

Where the price is heading

Typical asking price for a 2021 BMW X4 over the last 6 months — the market held steady .

Mar Apr May Jun Jul Aug

Monthly price table

Month	Typical price
March 2026	$31,998
April 2026	$31,436
May 2026	$30,999
June 2026	$31,360
July 2026	$31,608
August 2026	$31,998

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 BMW X4 XDRIVE30I (this car)	$28,782	42	—
2019 Jeep Wrangler	$30,555	29	+$1,773
2022 Toyota Highlander	$29,998	21	+$1,216
2023 Chevrolet Tahoe	$46,855	21	+$18,073
2023 Kia Sorento	$25,780	20	−$3,002
2022 Jeep Grand Cherokee	$26,364	18	−$2,418

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

Market by model year

Gen 1 · 2015–2025

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
2025	126	$48,893	100%	15,596 mi
2024	193	$46,295	95%	29,373 mi
2023	183	$41,540	85%	38,944 mi
2022	160	$36,836	75%	49,061 mi
2021	110	$32,350	66%	64,589 mi
2020	87	$31,495	64%	67,363 mi
2019	112	$23,900	49%	79,760 mi
2018	56	$16,322	33%	91,572 mi