This vehicle is no longer listed, so the estimate starts from $19,471 — 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

$347

per month

60 months · 7.0% APR · $1,947 down

Amount financed

$17,524

Total interest

$3,296

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 KNDCC3LD9M5463820

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 $6,851

Fuel $4,750

Insurance $7,000

Maintenance & repairs $3,375

Total, 5 years $21,976

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 $872 in that span.

Apr May Jun Jul Aug Sep

Monthly price table

Month	Typical price
April 2026	$17,833
May 2026	$17,081
June 2026	$17,774
July 2026	$18,046
August 2026	$17,988
September 2026	$18,705

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 Kia Niro EX Premium (this car)	$19,471	12	—
2023 Jeep Wrangler	$27,591	16	+$8,120
2021 Honda CR-V	$27,944	16	+$8,473
2023 BMW X3	$36,999	15	+$17,528
2023 Hyundai Ioniq 5	$29,978	14	+$10,507
2021 Subaru Crosstrek	$24,199	13	+$4,728

Cheapest active listings of each comparable body style in this region — median of what those models actually ask.

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	189	$18,976	100%	58,794 mi
2021	39	$18,545	98%	62,153 mi
2020	77	$17,488	92%	72,337 mi
2019	126	$14,078	74%	92,883 mi
2018	80	$12,692	67%	96,374 mi
2017	75	$11,249	59%	98,763 mi