This vehicle is no longer listed, so the estimate starts from $26,081 — 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

$465

per month

60 months · 7.0% APR · $2,608 down

Amount financed

$23,473

Total interest

$4,427

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 JTHAA1D21L5108653

Trim

300

Engine

2.0L · V4

Horsepower

241

Drivetrain

4x2

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

Fuel economy (EPA)

Combined

MPG

City

MPG

Highway

MPG

$1,940 /yr est. fuel

Assumes 15,000 miles a year at $3.10/gallon and 24 MPG combined.

5-year cost to own

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

Depreciation $8,516

Fuel $9,700

Insurance $8,000

Maintenance & repairs $4,312

Total, 5 years $30,528

Estimate — insurance and taxes vary by driver and state.

Model-level data for the 2020 Lexus IS from EPA fueleconomy.gov, refreshed August 27, 2026.

Where the price is heading

Typical asking price for a 2020 Lexus IS over the last 6 months — the market firmed $445 in that span.

Apr May Jun Jul Aug Sep

Monthly price table

Month	Typical price
April 2026	$28,497
May 2026	$28,048
June 2026	$28,900
July 2026	$28,991
August 2026	$27,996
September 2026	$28,942

Market by model year

Gen 3 · 2020–present

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
2026	1,720	$53,797	100%	—
2025	444	$46,888	87%	10,841 mi
2024	452	$43,896	82%	24,369 mi
2023	524	$41,996	78%	33,341 mi
2022	242	$38,976	72%	50,323 mi
2021	252	$35,614	66%	58,274 mi
2020	128	$27,991	52%	71,396 mi