This vehicle is no longer listed, so the estimate starts from $50,794 — 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

$905

per month

60 months · 7.0% APR · $5,079 down

Amount financed

$45,715

Total interest

$8,585

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 5YMTS0C03M9F07182

Engine

3.0L · V6

Horsepower

473

Drivetrain

AWD/All-Wheel Drive

Transmission

Automatic

Body

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

Fuel

Gasoline

Doors

Model year

2021

Made by

BMW MANUFACTURER CORPORATION / BMW NORTH AMERICA

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 2021 BMW X3 likely costs over five years at 15,000 mi/yr.

Depreciation $17,872

Fuel $14,550

Insurance $4,700

Maintenance & repairs $5,625

Total, 5 years $42,747

Estimate — insurance and taxes vary by driver and state.

Safety & recalls

NHTSA crash tests & recall campaigns for this model year

The 2021 BMW X3 has 11 recall campaigns as of August 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: 2021 BMW X3 SUV AWD

11 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 X3 from NHTSA (recalls, NCAP crash tests) and EPA fueleconomy.gov, refreshed August 27, 2026.

Where the price is heading

Typical asking price for a 2021 BMW X3 over the last 6 months — the market firmed $1,089 in that span.

Apr May Jun Jul Aug Sep

Monthly price table

Month	Typical price
April 2026	$25,253
May 2026	$25,750
June 2026	$25,597
July 2026	$25,405
August 2026	$24,998
September 2026	$26,342

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 X3 (this car)	$50,794	11	—
2020 Jeep Wrangler	$29,521	25	−$21,273
2022 Toyota RAV4	$31,497	19	−$19,297
2020 Jeep Cherokee	$19,200	14	−$31,594
2023 Toyota Highlander	$35,416	14	−$15,378
2022 Ford Explorer	$32,751	13	−$18,043

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	707	$24,799	100%	65,295 mi
2020	566	$22,766	92%	70,747 mi
2019	920	$18,474	74%	80,911 mi
2018	381	$17,597	71%	86,789 mi
2017	487	$12,650	51%	96,096 mi
2016	281	$11,690	47%	103,166 mi
2015	176	$10,970	44%	107,262 mi
2014	298	$8,998	36%	109,773 mi