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

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

2026 Ford F-150
XLT
$44,170
VS
2026 Ford F-150
Lariat
$54,470
💰
Best Value
The F-150 XLT saves you $10,300 — the biggest difference here.
$10,300
Price Gap
1 MPG
MPG Diff
Same
HP Diff

Full Spec Comparison

F-150 XLT starts at $44,170, $10,300 less. F-150 XLT leads with 22 MPG. Same 325 hp.

Spec2026 Ford F-150 XLT2026 Ford F-150 Lariat
Pricing
MSRP$44,170 Save $10,300$54,470 +$10,300
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
DrivetrainRWD 4WD
Fuel Economy
City MPG20 +119 1 less
Hwy MPG26 +224 2 less
Combined MPG22 +121 1 less
Interior & Tech
Seats5 5
Cargo52.8 cu ft 52.8 cu ft
Screen12.0" 12.0"
Wireless CarPlayYes Yes
Heated SeatsAvail. Yes
MoonroofAvail. Avail.
Dimensions
Curb Weight4,420 lbs 4,650 lbs
Wheelbase145.4" 145.4"
Length231.7" 231.7"
Wheels18" Alloy 18" Chrome
Safety
Safety SuiteCo-Pilot360 Co-Pilot360

Which Trim Is Best?

The F-150 XLT delivers value; the F-150 Lariat adds features worth $10,300.

FAQ

What is the price difference between the 2026 Ford F-150 XLT and 2026 Ford F-150 Lariat?
The F-150 XLT starts at $44,170, which is $10,300 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 XLT or F-150 Lariat?
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.
Is the 2026 Ford F-150 XLT worth it, or should I upgrade to Lariat?
It depends on your priorities. The XLT at $44,170 covers the fundamentals well. The Lariat adds larger wheels, and other refinements for $10,300 more. If you plan to keep the truck for 5+ years, the comfort upgrades often justify the cost.
What features does the Lariat have that the XLT doesn't?
Key upgrades in the Lariat include and 18" Chrome wheels (vs 18" Alloy). Safety features remain the same across both trims.
Do the XLT and Lariat have the same engine?
Yes, both the XLT and Lariat use the same 2.7L Turbo V6 engine producing 325 hp. The driving experience is mechanically identical — the difference is purely in features and equipment.
Which 2026 Ford F-150 trim has the best resale value?
Mid-range trims of the F-150 typically hold value best as a percentage of MSRP, since they offer desirable features without the steep initial outlay. The XLT will depreciate less in dollar terms, while the Lariat retains a higher percentage of its value due to demand for its features.
Is the 2026 Ford F-150 a good car?
The 2026 Ford F-150 is a competitive option in the truck segment. All trims share the same Co-Pilot360 safety suite, and the 2.7L Turbo V6 engine is well-regarded for durability. It's a solid choice for buyers prioritizing long-term ownership.
What is the total cost of ownership for the 2026 Ford F-150 XLT?
Beyond the $44,170 MSRP, factor in estimated fuel costs ($2,386/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 XLT

The 2026 Ford F-150 XLT is the right pick for buyers who prioritize value and don't need every available feature. At $44,170, it delivers the core F-150 experience — the same platform, the same 2.7L Turbo V6 engine, and the same safety suite — without the cost of extras that many drivers rarely use.

If your driving is primarily commuting and errands, and you'd rather put the $10,300 price difference toward other expenses, the XLT makes a strong case. Budget-conscious buyers and those buying for reliability rather than luxury will feel well-served here.

Who Should Choose the Lariat

The 2026 Ford F-150 Lariat targets buyers willing to spend $10,300 more for a more complete package. That premium buys larger wheels — features you'll interact with regularly, not just once at the dealership.

If cold mornings, long drives, or frequent passengers are part of your routine, the comfort upgrades in the Lariat pay dividends over years of ownership. If resale value matters, higher trims also tend to hold their value better as a percentage of MSRP. See how other F-150 trims compare: F-150 XL vs F-150 XLT, F-150 XL vs F-150 Lariat, F-150 XL vs F-150 King Ranch.

Why the Price Difference Exists

The $10,300 gap between the XLT and Lariat comes down to comfort and convenience features. Specifically, the Lariat adds larger wheels.

Both trims share the same powertrain, so performance and driving dynamics are identical — the difference is entirely about features and comfort.

What Kind of Buyer Notices the Difference

Most technology-focused buyers won't find a dramatic difference between these trims — the core infotainment and safety tech carries across the lineup. During winter months, the heated seats in the F-150 Lariat become a daily comfort — something you'll appreciate every morning.

Casual drivers who use their truck primarily for commuting may find the trims feel very similar once underway. The differences are most apparent when you first get in, adjust settings, and interact with the cabin.

When Both Trims Feel the Same

On the highway at 65 mph, these two trims deliver an identical experience. Same engine note, same ride quality, same safety features active in the background. The F-150's fundamental driving character doesn't change between the XLT and Lariat.

Both trims also share the same warranty coverage, the same crash-test ratings, and access to the same dealer service network. If your priority is getting from A to B in a reliable, efficient truck, either trim accomplishes that equally well. The choice ultimately comes down to how much the in-cabin experience matters to your daily satisfaction with the vehicle.

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.
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