This vehicle is no longer listed, so the estimate starts from $32,970 — 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

$588

per month

60 months · 7.0% APR · $3,297 down

Amount financed

$29,673

Total interest

$5,607

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 5UX2V5C06L9B39974

Trim

M40I

Engine

3.0L · V4

Horsepower

355

Drivetrain

AWD/All-Wheel Drive

Transmission

Automatic

Body

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

Fuel

Gasoline

Doors

Model year

2020

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

$2,910 /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 X4 likely costs over five years at 15,000 mi/yr.

Depreciation $10,766

Fuel $14,550

Insurance $7,300

Maintenance & repairs $5,625

Total, 5 years $38,241

Estimate — insurance and taxes vary by driver and state.

Safety & recalls

NHTSA crash tests & recall campaigns for this model year

The 2020 BMW X4 has 10 recall campaigns as of August 2026. EPA combined fuel economy: 16 MPG.

10 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 X4 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 BMW X4 over the last 6 months — the market firmed $851 in that span.

Apr May Jun Jul Aug Sep

Monthly price table

Month	Typical price
April 2026	$27,999
May 2026	$27,520
June 2026	$29,975
July 2026	$29,873
August 2026	$28,998
September 2026	$28,850

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 X4 M40i (this car)	$32,970	14	—
2022 Jeep Grand Cherokee	$22,062	26	−$10,908
2018 Audi Q5	$21,583	23	−$11,387
2018 Toyota RAV4	$24,885	23	−$8,085
2022 Jeep Wrangler	$28,465	23	−$4,505
2022 BMW X5	$33,812	23	+$842

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	190	$48,648	100%	15,788 mi
2024	249	$46,220	95%	29,412 mi
2023	224	$41,472	85%	39,229 mi
2022	195	$36,158	74%	50,477 mi
2021	157	$33,141	68%	64,684 mi
2020	110	$32,162	66%	64,883 mi
2019	121	$23,988	49%	79,813 mi
2018	71	$16,399	34%	93,695 mi