Is the Toyota Camry or Honda Accord cheaper to own over 10 years?

The Toyota Camry edges out the Accord by roughly $1,200–$1,800 over 10 years/150,000 miles. Camry maintenance averages $5,800 (2.5L Dynamic Force, no CVT — 8-speed automatic), versus $6,900 for the Accord's 1.5T + CVT combination. The Accord's CVT fluid changes and turbocharger-related services drive the gap.

Which holds resale value better — Camry or Accord?

The Camry holds resale slightly better in most markets — about 52% retained value at 5 years versus 49% for the Accord (KBB/iSeeCars data). The gap widens at 10 years where Camrys are still trading at ~30% of MSRP while Accords land closer to 25%. Hybrid trims of either model retain 5–8% better than gas-only.

Do the Camry and Accord use the same oil?

Close but not identical. Modern Camrys (2.5L) use 0W-16 full synthetic (4.6 quarts), while non-turbo Accords use 0W-20 (4.4 quarts) and turbo 1.5T Accords use 0W-20 (3.7 quarts). Both require full synthetic — conventional oil will trigger oil-consumption issues on either engine.

Does the Camry or Accord have more expensive transmission service?

The Accord's CVT (1.5T trims) costs more long-term. Honda HCF-2 fluid runs ~$70 for a drain-and-fill and should be done every 30,000–40,000 miles. The Camry's 8-speed automatic uses Toyota WS fluid (~$45/service) on a 60,000-mile interval. Over 10 years that's 3–4 Accord CVT services vs 2 Camry transmission services.

Toyota Camry vs Honda Accord: 5-Year Maintenance Cost (2026)

Toyota Camry vs Honda Accord: 10-year cost breakdown

Metric	Toyota Camry	Honda Accord
10-year maintenance total	$4,203	$4,945
Average annual cost	$420	$495
RepairPal reliability rank	#3 of 24 (Midsize Cars)	#1 of 24 (Midsize Cars)
Reliability notes	4.0/5 - dependable; 2018+ TNGA platform highly durable	4.5/5 - top-rated; 2018-22 1.5T had carbon-buildup warranty claims
Resale / long-term value	Retains ~56% value at 5 yrs	Retains ~53% value at 5 yrs

Toyota Camry vs Honda Accord: maintenance schedule differences

Service	Toyota Camry	Honda Accord
Engine	2.5L NA I4 / Hybrid	1.5L turbo / 2.0L turbo / Hybrid
Oil change interval	10,000 mi / 12 mo	7,500 mi (1.5T advisory - 5,000 mi)
Spark plug interval	Iridium at 120k	Iridium at 100k (carbon risk sooner)
Transmission	8-speed auto - fluid at 60k	CVT / 10-speed - fluid at 30-60k
Brake fluid	Every 3 yrs	Every 3 yrs
Coolant	Pink SLLC - 100k first change	Blue Type 2 - 60k first change
Warranty	ToyotaCare 2 yr free scheduled	None from factory

Toyota Camry vs Honda Accord: 10-Year Maintenance Cost (2026)