2020 Lincoln MKZ Reserve I

VIN 3LN6L5E97LR602576
Typical market price
$18,867
27 comparable listings

This vehicle is no longer listed. The figures below describe the market for this build.

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Full history for VIN 3LN6L5E97LR602576 — accidents, title brands, odometer records and every past listing with photos and prices.

  • Reported accidents & damage
  • Title brands — salvage, flood, lemon
  • Odometer readings over time
  • Every past listing: price, dealer, photos
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Market price range

Based on 27 comparable same-build listings · Market data as of September 4, 2026
Below market
$15,999
Typical price
$18,867
Above market
$23,083

See all 2020 Lincoln MKZ prices — typical $18,867 →

Price history for this VIN

Asking price over time

Apr 29, 2022 · $44,236 Dec 25, 2025 · $18,963

Asking prices recorded across 5 listing dates for VIN 3LN6L5E97LR602576, spanning 3 years 8 months.

No active listings of this exact VIN right now.

Former listings

Dealer Location Price Mileage Listed
Carousel Preowned Iowa City, IA 52243 $18,963 80,727 mi 2025-12-25
Carousel Pre-Owned Iowa City, IA 52240 $18,963 80,727 mi 2025-12-24
Joe Machens Ford Lincoln Columbia, MO 65203 $23,598 54 mi 2024-10-29
$23,598 54 mi 2024-08-27
Allan Vigil Ford Lincoln Morrow, GA 30260 $44,236 6,908 mi 2022-04-29

Estimate the monthly payment at the typical market price ($18,867)

This vehicle is no longer listed, so the estimate starts from $18,867 — the typical market price for this build. Move the numbers to match your own loan.

10% down
7.0% is a typical rate for a well-qualified buyer — use your own quote if you have one.
Loan term
Estimated monthly payment
$336
per month
60 months · 7.0% APR · $1,887 down
Amount financed
$16,980
Total interest
$3,180

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 3LN6L5E97LR602576
Trim
Reserve I
Engine
Horsepower
245
Drivetrain
FWD/Front-Wheel Drive
Transmission
Automatic
Body
Sedan/Saloon
Fuel
Gasoline
Doors
4
Model year
2020

Full factory specs for this build →

  • Backup camera
  • Blind-spot monitor
  • Lane departure
  • ABS
  • Electronic stability

Fuel economy (EPA)

Combined
23
MPG
City
20
MPG
Highway
29
MPG
$2,020 /yr est. fuel

Assumes 15,000 miles a year at $3.10/gallon and 23 MPG combined.

5-year cost to own

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

Depreciation $6,161
Fuel $10,100
Insurance $8,000
Maintenance & repairs $4,500
Total, 5 years $28,761

Estimate — insurance and taxes vary by driver and state.

Safety & recalls

NHTSA crash tests & recall campaigns for this model year

The 2020 Lincoln MKZ has 1 recall campaign as of August 2026. NHTSA rated it 5 out of 5 stars overall. EPA combined fuel economy: 23 MPG.

Overall
★★★★★
5 of 5 · NHTSA
Frontal crash
★★★★☆
4 of 5 · NHTSA
Side crash
★★★★★
5 of 5 · NHTSA
Rollover
★★★★☆
4 of 5 · NHTSA

Tested configuration: 2020 Lincoln MKZ 4 DR AWD

1 recall campaign on this model year
Check accident & title history →
  • BACK OVER PREVENTION
    Ford Motor Company (Ford) is recalling certain 2018-2022 Transit Connect, 2019-2020 MKZ, MKX, Edge, Continental, F-150, Nautilus, Fusion, 2019-2023 Ranger, Mustang, 2020-2021…
    NHTSA campaign 25V442000

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 Lincoln MKZ from NHTSA (recalls, NCAP crash tests) and EPA fueleconomy.gov, refreshed August 27, 2026.

Where the price is heading

Typical asking price for a 2020 Lincoln MKZ over the last 6 months — the market firmed $120 in that span.

Apr May Jun Jul Aug Sep
Monthly price table
Month Typical price
April 2026 $20,444
May 2026 $21,480
June 2026 $20,466
July 2026 $20,850
August 2026 $20,677
September 2026 $20,564

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 Lincoln MKZ Reserve I (this car) $18,867 27
2020 Toyota Camry $21,447 13 +$2,580
2021 Toyota Corolla $18,972 7 +$105
2018 Ford Fusion $16,973 5 −$1,894
2019 Honda Civic $22,680 5 +$3,813
2022 Honda Accord $24,439 4 +$5,572

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

Market by model year

Gen 3 · 2017–2020

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
2020 139 $19,889 100% 63,555 mi
2019 183 $18,488 93% 73,658 mi
2018 166 $16,695 84% 78,355 mi
2017 316 $13,858 70% 93,445 mi

Units for sale — listings of each model year in the latest nightly market snapshot.

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