Dealer	Location	Price	Mileage	Listed
Nick Mayer Ford Lincoln	Mayfield Heights, OH 44124	$16,970	77,567 mi	2026-03-04
Nick Mayer Lincoln of Mayfield	Mayfield Heights, OH 44124	$16,970	77,567 mi	2026-02-23
Nick Mayer Ford	Mayfield Heights, OH 44124	$16,970	77,567 mi	2026-01-18
Classic Ford Lincoln	Mentor, OH 44060	$38,990	12,730 mi	2022-04-09

Estimate the monthly payment at the typical market price ($18,769)

This vehicle is no longer listed, so the estimate starts from $18,769 — 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

$334

per month

60 months · 7.0% APR · $1,877 down

Amount financed

$16,892

Total interest

$3,148

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 3LN6L5E99LR606628

Trim

Reserve I

Engine

2.0L · V4

Horsepower

245

Drivetrain

FWD/Front-Wheel Drive

Transmission

Automatic

Body

Sedan/Saloon

Fuel

Gasoline

Doors

Model year

2020

Full factory specs for this build →

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

Sample Lincoln window sticker, shown for illustration

Lincoln Window sticker on file for this VIN The original window sticker for this MKZ Factory equipment, the options actually installed and the price this car left the line with — the same document that hung on the glass in the showroom. Open the sticker — $4 3 for $9 Opens on VehiLeaks · PDF right after checkout

Fuel economy (EPA)

Combined

MPG

City

MPG

Highway

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 $6,129

Fuel $10,100

Insurance $5,050

Maintenance & repairs $4,500

Total, 5 years $25,779

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 softened $376 in that span.

Mar Apr May Jun Jul Aug

Monthly price table

Month	Typical price
March 2026	$20,995
April 2026	$20,444
May 2026	$21,480
June 2026	$20,466
July 2026	$20,850
August 2026	$20,619

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)	$18,769	31	—
2020 Honda Civic	$17,348	29	−$1,421
2018 Chevrolet Malibu	$13,995	13	−$4,774
2022 Kia Forte	$14,560	12	−$4,209
2019 Honda Accord	$20,573	12	+$1,804
2022 Toyota Camry	$19,990	11	+$1,221