Is a Used Toyota 4Runner a Good Buy in 2025?
Buying a used SUV often boils down to balancing reliability, cost, and features—especially when considering a once-luxurious mid-size model like the Toyota 4Runner. With rugged off-road capability, strong resale value, and Toyota’s legendary reliability, the 4Runner has an enviable reputation. But is a four-year-old example (a 2021 model if you’re shopping in mid-2025) the sweet spot for used-SUV value? In this post, we’ll explore depreciation, reliability, ownership costs, and real-world pros and cons to help you decide whether adding a 4Runner to your garage makes sense.
1. Depreciation & Purchase Price
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Typical Depreciation Curve: The first three years account for the steepest depreciation, often around 20–25% in year one and roughly 10–15% per year thereafter. By year four, a 4Runner has usually lost about 35–40% of its original MSRP.
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Market Pricing: As of mid-2025, you can expect to find 2021 SR5 or TRD models in the $30,000–$38,000 range, depending on mileage, trim, and condition. Compare this to a new MSRP around $45,000–$55,000.
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Value Retention: The 4Runner consistently ranks among the top vehicles for residual value, meaning its depreciation curve flattens after year four, preserving more of its value relative to competitors.
2. Reliability & Maintenance
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Toyota’s Track Record: Consumer surveys routinely rank the 4Runner as one of the most reliable SUVs on the market, thanks to its proven body-on-frame construction and robust 4.0L V6 engine.
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Common Maintenance Needs: Routine oil changes every 5,000–7,500 miles and brake service are standard. Look out for wear on suspension bushings and rust on underbody components if the vehicle has seen off-road or winter- salted-roads use.
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Repair Costs: Toyota parts are widely available, and labor costs are in line with other mainstream brands. Major repairs are infrequent; expect annual maintenance costs in the $400–$600 range.
3. Features & Modern Conveniences
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Standard Equipment (2021 SR5 base): 8" touchscreen infotainment with Apple CarPlay/Android Auto, blind-spot monitoring, and LED headlights.
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Upgraded Trims: TRD Off-Road and TRD Pro add terrain-specific tuning, crawl control, and locking differentials. Limited trim offers leather seats, premium JBL audio, and navigation.
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Comfort vs. Utility: The 4Runner’s interior is durable but a bit utilitarian compared to crossover SUVs. Rear seats fold flat for cargo, and roof rails come standard.
4. Fuel Economy & Running Costs
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Fuel Efficiency: Expect around 16 mpg city / 19 mpg highway—below average for mid-size SUVs but typical for body-on-frame rigs.
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Insurance & Taxes: Moderate insurance rates thanks to its solid safety ratings, but slightly higher registration fees due to weight class.
5. Pros & Cons Summary
| Pros | Cons |
|---|---|
| Legendary reliability and longevity | Subpar fuel economy |
| Strong resale value | Ride is truck-like, less refined |
| Excellent off-road capability | Outdated cabin design compared to rivals |
| Roomy cargo area; roof rails standard | Higher maintenance costs than crossovers |
6. Who Is It Right For?
A four-year-old 4Runner is ideal for buyers who prioritize reliability, plan weekend adventures, and appreciate rugged styling. If you need a daily commuter with excellent fuel economy and the latest tech, a crossover might be a better choice.
Conclusion A 2021 Toyota 4Runner generally represents a compelling buy on the used market. You capture much of the Toyota reliability and off-road capability while avoiding the steepest portion of depreciation. As long as the SUV’s mileage, service history, and condition align with your expectations—and you’re comfortable with its running costs—the four-year-old 4Runner can be a smart, adventure-ready purchase.
— Julie Kamada