This vehicle is no longer listed, so the estimate starts from $35,605 — 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

$635

per month

60 months · 7.0% APR · $3,561 down

Amount financed

$32,044

Total interest

$6,056

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 YV4102CM3M1728293

Engine

2.0L · V4

Horsepower

250

Drivetrain

Front-Wheel Drive

Transmission

Automatic

Body

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

Fuel

Gasoline

Model year

2021

Made by

VOLVO CAR CORPORATION

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

$2,110 /yr est. fuel

Assumes 15,000 miles a year at $3.10/gallon and 22 MPG combined.

Safety & recalls

NHTSA crash tests & recall campaigns for this model year

The 2021 Volvo XC90 has 6 recall campaigns as of August 2026. EPA combined fuel economy: 22 MPG.

6 recall campaigns on this model year

Check accident & title history →

SEAT BELTS

Volvo Car USA, LLC (Volvo Car) is recalling certain 2021 XC40, XC 40 Recharge, V60CC, V90, V90CC, XC90, and 2021-2022 V60, XC60, S60 vehicles.

NHTSA campaign 21V682000
SERVICE BRAKES, HYDRAULIC

Volvo Car USA, LLC (Volvo Car) is recalling certain 2021 S90L, 2020-2021 XC60, and XC90 vehicles.

NHTSA campaign 21V716000
AIR BAGS

Volvo Cars USA, LLC (Volvo Car) is recalling certain 2021 Volvo V60, V60 Cross Country, V90, V90 Cross Country, XC60, and XC90 vehicles.

NHTSA campaign 21V001000

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 Volvo XC90 from NHTSA (recalls, NCAP crash tests) and EPA fueleconomy.gov, refreshed August 27, 2026.

Where the price is heading

Typical asking price for a Volvo XC90 over the last 6 months — the market softened $757 in that span.

Apr May Jun Jul Aug Sep

Monthly price table

Month	Typical price
April 2026	$28,720
May 2026	$27,999
June 2026	$27,483
July 2026	$27,675
August 2026	$27,670
September 2026	$27,963

Market by model year

Gen 3 · 2016–2022

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	362	$29,998	100%	64,122 mi
2021	375	$27,498	92%	69,974 mi
2020	348	$23,391	78%	83,883 mi
2019	461	$20,180	67%	87,191 mi
2018	373	$17,309	58%	101,198 mi
2017	291	$15,677	52%	107,738 mi
2016	463	$14,197	47%	110,453 mi