This vehicle is no longer listed, so the estimate starts from $18,949 — 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

$338

per month

60 months · 7.0% APR · $1,895 down

Amount financed

$17,054

Total interest

$3,226

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 KNDCC3LD0M5485091

Trim

EX Premium

Engine

1.6L · V4

Horsepower

104

Drivetrain

4x2

Transmission

Automatic

Body

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

Fuel

Electric

Doors

Model year

2021

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

$950 /yr est. fuel

Assumes 15,000 miles a year at $3.10/gallon and 49 MPG combined.

5-year cost to own

Beyond the sticker: what this 2021 Kia Niro likely costs over five years at 15,000 mi/yr.

Depreciation $6,667

Fuel $4,750

Insurance $8,000

Maintenance & repairs $3,375

Total, 5 years $22,792

Estimate — insurance and taxes vary by driver and state.

Safety & recalls

NHTSA crash tests & recall campaigns for this model year

The 2021 Kia Niro has 1 recall campaign as of August 2026. EPA combined fuel economy: 49 MPG.

1 recall campaign on this model year

Check accident & title history →

POWER TRAIN

Kia America, Inc. (Kia) is recalling certain 2017-2022 Niro and 2018-2022 Niro Plug-in Hybrid vehicles.

NHTSA campaign 23V534000

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 Kia Niro 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 Kia Niro over the last 6 months — the market firmed $542 in that span.

Mar Apr May Jun Jul Aug

Monthly price table

Month	Typical price
March 2026	$17,898
April 2026	$17,833
May 2026	$17,081
June 2026	$17,774
July 2026	$18,046
August 2026	$18,440

Market by model year

Gen 1 · 2017–2022

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
2022	198	$18,923	100%	59,080 mi
2021	34	$18,520	98%	64,173 mi
2020	75	$17,625	93%	70,501 mi
2019	121	$13,998	74%	95,668 mi
2018	75	$12,250	65%	97,656 mi
2017	79	$11,249	59%	100,703 mi