This vehicle is no longer listed, so the estimate starts from $24,995 — 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

$445

per month

60 months · 7.0% APR · $2,500 down

Amount financed

$22,495

Total interest

$4,205

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 YV4BR0DK0L1610437

Trim

Momentum

Engine

2.0L · V4

Horsepower

313

Drivetrain

All-Wheel Drive

Transmission

Automatic

Body

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

Fuel

Electric

Model year

2020

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

$2,020 /yr est. fuel

Assumes 15,000 miles a year at $3.10/gallon and 23 MPG combined.

5-year cost to own

Beyond the sticker: what this 2020 Volvo XC60 likely costs over five years at 15,000 mi/yr.

Depreciation $8,162

Fuel $10,100

Insurance $8,000

Maintenance & repairs $4,500

Total, 5 years $30,762

Estimate — insurance and taxes vary by driver and state.

Safety & recalls

NHTSA crash tests & recall campaigns for this model year

The 2020 Volvo XC60 has 6 recall campaigns as of August 2026. EPA combined fuel economy: 23 MPG.

6 recall campaigns on this model year

Check accident & title history →

FORWARD COLLISION AVOIDANCE

Volvo Cars USA LLC (Volvo Cars) is recalling certain 2019-2020 S60, V60, V60 Cross Country, S90L, V90, V90 Cross Country, XC40, XC60, and XC90 vehicles.

NHTSA campaign 20V144000
SERVICE BRAKES, HYDRAULIC

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

NHTSA campaign 21V716000
ELECTRICAL SYSTEM

Volvo Car USA, LLC (Volvo Car) is recalling certain 2019-2020 V90, XC60, S60, V60, V60CC, S90, V90CC, S90L, and XC90 vehicles. The low-pressure fuel pump can blow a fuse and fail.

NHTSA campaign 21V414000

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 2020 Volvo XC60 from NHTSA (recalls, NCAP crash tests) and EPA fueleconomy.gov, refreshed August 27, 2026.

Where the price is heading

Typical asking price for a 2020 Volvo XC60 over the last 6 months — the market softened $17 in that span.

Apr May Jun Jul Aug Sep

Monthly price table

Month	Typical price
April 2026	$22,995
May 2026	$22,990
June 2026	$23,899
July 2026	$23,798
August 2026	$22,996
September 2026	$22,978

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
2020 Volvo XC60 Momentum (this car)	$24,995	11	—
2021 Toyota RAV4	$27,914	35	+$2,919
2022 Tesla Model Y	$30,847	23	+$5,852
2019 Honda CR-V	$21,079	21	−$3,916
2022 Mercedes-Benz GLC-Class	$25,998	16	+$1,003
2021 BMW X3	$24,976	14	−$19

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

Market by model year

Gen 3 · 2018–2024

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
2024	1,077	$37,999	100%	29,973 mi
2023	998	$33,998	89%	38,737 mi
2022	309	$27,912	73%	55,449 mi
2021	345	$24,995	66%	63,565 mi
2020	237	$22,900	60%	74,602 mi
2019	361	$19,900	52%	81,552 mi
2018	258	$17,989	47%	92,735 mi