HomeCompare › F-150 Lariat vs F-150 XLT

2026 Ford F-150 Lariat vs 2025 Ford F-150 XLT

Full side-by-side comparison — pricing, performance, fuel economy, features, and safety. Updated 2026.

2026 Ford F-150
Lariat
$54,470
VS
2025 Ford F-150
XLT
$43,720
💰
Best Value
The F-150 XLT saves you $10,750 — the biggest difference here.
$10,750
Price Gap
1 MPG
MPG Diff
Same
HP Diff

Full Spec Comparison

F-150 XLT starts at $43,720, $10,750 less. F-150 XLT leads with 22 MPG. Same 325 hp.

Spec2026 Ford F-150 Lariat2025 Ford F-150 XLT
Pricing
MSRP$54,470 +$10,750$43,720 Save $10,750
Powertrain
Engine2.7L Turbo V6 2.7L Turbo V6
Horsepower325 hp 325 hp
Torque400 lb-ft 400 lb-ft
Transmission10-Spd AT 10-Spd AT
Drivetrain4WD RWD
Fuel Economy
City MPG19 1 less20 +1
Hwy MPG24 2 less26 +2
Combined MPG21 1 less22 +1
Interior & Tech
Seats5 5
Cargo52.8 cu ft 52.8 cu ft
Screen12.0" 12.0"
Wireless CarPlayYes Yes
Heated SeatsYes Avail.
MoonroofAvail. Avail.
Dimensions
Curb Weight4,650 lbs 4,410 lbs
Wheelbase145.4" 145.4"
Length231.7" 231.7"
Wheels18" Chrome 18" Alloy
Safety
Safety SuiteCo-Pilot360 Co-Pilot360

F-150 Lariat or F-150 XLT?

Both are competitive. F-150 XLT has a lower entry price, F-150 XLT leads on efficiency.Test drive both.

FAQ

What is the price difference between the 2026 Ford F-150 Lariat and 2025 Ford F-150 XLT?
The F-150 XLT starts at $43,720, which is $10,750 less than the F-150 Lariat at $54,470. Both prices are manufacturer MSRP before destination, taxes, and dealer fees.
Which gets better gas mileage, the F-150 Lariat or F-150 XLT?
The F-150 XLT achieves 22 combined MPG, 1 MPG more than the other. Over 15,000 miles per year at $3.50/gallon, that could save roughly $114 annually.
Should I buy a 2026 Ford F-150 or Ford F-150?
Both are strong choices. The F-150 Lariat offers Ford's reputation for quality. The F-150 XLT has a lower entry price and delivers Ford's take on the modern truck. Test drive both — the right choice often comes down to which one feels better to you.
Which is more reliable, the Ford F-150 or Ford F-150?
Both Ford and Ford have strong reliability records. The Ford F-150 has a solid track record. The Ford F-150 is competitive in reliability. Both are safe bets for long-term ownership.
Is the Ford F-150 bigger than the Ford F-150?
The F-150 Lariat measures 231.7" long with a 145.4" wheelbase and 52.8 cu ft of cargo space. The F-150 XLT is 231.7" long with a 145.4" wheelbase and 52.8 cu ft of cargo. They're similarly sized.
What is the cost of insurance for the F-150 Lariat vs F-150 XLT?
Insurance costs vary by driver, location, and coverage level, but both the F-150 Lariat and F-150 XLT fall within a similar insurance bracket as trucks in the $43,720–$54,470 range. The F-150 Lariat may cost slightly more to insure due to its higher MSRP. Get quotes for both before making your decision.
What is the total cost of ownership for the 2026 Ford F-150 Lariat?
Beyond the $54,470 MSRP, factor in estimated fuel costs ($2,500/year at $3.50/gal), insurance ($1,200–$2,400/year varies), and maintenance. Ford vehicles are generally affordable to maintain, and the Co-Pilot360 safety suite can help reduce insurance premiums.

Who Should Choose the F-150 Lariat

The 2026 Ford F-150 Lariat appeals to buyers who prioritize what Ford does best: capability and proven toughness. At $54,470, it positions itself as the more feature-rich option.

Ford ownership comes with broad dealer network and strong aftermarket support. Compare more: F-150 XL vs F-150 XLT, F-150 XL vs F-150 Lariat, F-150 XL vs F-150 King Ranch.

Who Should Choose the F-150 XLT

The 2025 Ford F-150 XLT is the better fit for buyers who want a lower entry price. Superior fuel economy at 22 combined MPG is a genuine running-cost advantage.

Ford's approach to this truck emphasizes raw capability and a wide range of configurations. If that aligns with your priorities, the F-150 XLT deserves serious consideration.

Why the Price Difference Exists

The $10,750 price gap reflects different brand strategies and equipment levels. The F-150 Lariat is positioned higher, which is driven by significant differences in standard equipment, powertrain, or brand positioning.

Feature differences like larger wheels also contribute. Both are competitive within the truck market, and neither represents a poor value at their respective price points.

What Kind of Buyer Notices the Difference

Enthusiast drivers will feel the differences immediately if there's a powertrain gap. The horsepower difference here is modest enough that most commuters won't notice it. Interior differences become apparent on longer trips where seat comfort, noise levels, and tech features matter more.

For buyers who primarily drive in urban and suburban settings under 40 mph, both of these trucks will feel remarkably similar in daily use. The differences surface on road trips, in extreme weather (where heated seats and AWD matter), and during technology-heavy interactions like navigation and phone integration.

When Both Trucks Feel the Same

In a parking lot, at a stoplight, or cruising in light traffic, these two vehicles deliver very similar experiences. Both are modern, safe trucks with contemporary safety suites, decent infotainment, and comfortable cabins. Neither will leave you feeling shortchanged in everyday scenarios.

The choice between Ford and Ford often comes down to brand loyalty, dealer experience, and which vehicle simply feels right during a test drive. We recommend driving both back-to-back on the same day — the subtle differences in steering feel, seat position, and visibility are more informative than any spec sheet.

Important Notice: All specifications, pricing (MSRP), fuel economy (EPA estimates), and feature information presented on TrimAtlas are compiled from publicly available manufacturer data and are provided for informational and comparison purposes only. This information may not reflect final production specifications, regional variations, available packages, dealer-installed options, or current pricing at your local dealership. Actual transaction prices, fuel economy, and equipment may vary. TrimAtlas is an independent automotive information resource and is not affiliated with, endorsed by, sponsored by, or connected to any vehicle manufacturer, dealer, dealer group, or automotive brand mentioned on this site. All trademarks, model names, and brand names are the property of their respective owners and are used here solely for identification and comparison purposes. TrimAtlas does not sell vehicles, arrange financing, or provide warranties. Always verify all information directly with an authorized dealer before making any purchase decision. This content does not constitute professional advice of any kind — financial, legal, mechanical, or otherwise. Use this information at your own risk. See our full terms and disclaimers.
🤖 TrimAtlas AI
Hi! Try asking me things like:

• "Camry vs Accord"
• "best mpg suv"
• "cheapest truck"
• "hybrid options"