Discover the Total Cost of a Fully Loaded Honda Ridgeline

The Honda Ridgeline, often underestimated, occupies a unique space in the market, positioned between compact pickups like the Santa Cruz and larger models such as the Silverado and F-150. Annually, the Ridgeline usually shifts around forty thousand units, which lags behind the Ford Ranger and falls significantly short of more popular options like the Ram Pickup or the Tacoma, which sell approximately a quarter of a million units each year. Nevertheless, the Ridgeline serves a specific niche, offering a dependable and capable truck that is sufficiently spacious for various tasks without being overly large for standard garages.

Essentially, the Ridgeline is quite understated. A visit to its official Build & Price page might surprise you with the extensive range of options and packages available. Whether your goal is to enhance the Ridgeline for off-road adventures or to perfect it as a work truck, Honda provides a variety of bike racks, adventure kits, and convenience enhancements. This brings us to the question: what does a fully equipped Honda Ridgeline look like, and how much does it cost?

The sales data referenced in this article comes from GoodCarBadCar.net, while auto loan calculations were performed using Calculator.net. Be sure to input your state’s sales tax rate when conducting your calculations. The estimates here are provided solely as examples.

The Top Trim Ridgeline Starts At $46,750

For 2025, Honda offers the Ridgeline in four trim levels, ranging from the entry-level Sport to the premium Black Edition. This year, the new Ridgeline comes with a slight price increase, starting at $40,150 compared to the previous year’s starting price of $39,750. However, you can still acquire the highest trim for under fifty grand after taxes, making the Ridgeline one of the more affordable pickups in the U.S. market. Keep in mind, these figures are base MSRP and do not reflect the destination charges, taxes, or any other fees—just the price you would see on the sticker when selling these vehicles.

The Black Edition is priced at $6,600 more than the base Sport model. What additional features do you get for that price increase? Below is a list of elements included in the top-tier trim that the base model lacks:

• Heated front and outboard seats
• Ventilated front seats
• Leather seating surfaces
• Parking sensors
• LED daytime running lights
• Two USB ports in the rear console
• SiriusXM and HD Radio
• Honda navigation with voice recognition
• Premium audio system with 8 speakers
• HomeLink remote system
• Illuminated vanity mirrors
• LED map lights
• Heated leather steering wheel with red stitching
• Courtesy door lights
• Ambient red LED lighting
• Four-way power adjustable front passenger seat
• Ten-way power adjustable driver seat
• One-touch power moonroof
• Acoustic windshield
• LED truck bed lights
• Heated power-folding/sliding side mirrors
• 150-watt/400-watt truck-bed power outlet

The mechanical specifications remain mostly uniform across the various trims. Each features a 280-horsepower 3.5-liter V6 engine paired with a nine-speed automatic transmission equipped with paddle shifters, along with a towing capacity of 5,000 lbs. The TrailSport trim, introduced in 2024, includes all-terrain tires and an off-road tuned suspension, but otherwise shares identical specifications with the Sport and Black Edition trims.

Here’s What You Can Add To Your Honda Ridgeline

These options are not the only ones available, but they represent the most expensive possible build. When two features are incompatible, we chose the pricier option. Your ideal configuration may differ, but this illustrates what you would purchase if given a budget to customize it to your liking.

• Radiant Red Metallic II Exterior Color – $455
• Adventure Package – $4,474
• All-Season Protection Package II – $355
• Cargo Storage Package – $1,543
• Bed Extender – $373
• Body Side Molding – $255
• Door Edge Film – $57
• Door Edge Guards – $128
• Door Handle Film – $67
• Door Visors – $306
• Emblem, Rear Honda – Gloss Black – $51
• Emblem, Rear Ridgeline – Black – $164
• Hood Protector – $204
• HPD Decal Graphics – $368
• HPD Lower Door Trim – $470
• Moonroof Visor – $178
• Mud Flap Set, HPD – $153
• Oil Pan Guard – $306
• Roof Box – Midsize – $567
• Bed Tent – $383
• Trailer Hitch Towing Kit – $240
• Trailer Hitch 1 7/8″ Ball – $27
• Trailer Hitch 2″ Ball – $29
• First-Aid Kit – $35
• In-Bed Trunk Cargo Tray – $62
• In-Bed Trunk Cargo Net – $57
• In-Bed Trunk Carpet – $67
• Rear Seat Covers – $306
• Truck-Bed Cargo Net – $133
• Utility Hook – $46
• Engine Block Heater – $92

The Adventure Package includes 18-inch machined gray alloy wheels, crossbars, fender flares, roof rails, and running boards, along with a distinctive front grille. The Cargo Storage Package aids in organizing your gear with a hard cargo area cover, cargo dividers, and an under-seat storage system. The protection package is straightforward, providing all-season floor mats and wheel locks. While other packages are available, these represent the most fully-equipped configurations of compatible add-ons.

Combining the base MSRP with these options brings the total to $58,701. Add the $1,395 Destination & Handling fee, and the grand total amounts to $60,096. Compared to pricier off-road vehicles like the fully-loaded Jeep Grand Wagoneer L, which can easily cross into six figures, sixty grand remains beyond the cash reach for many. Thus, financing becomes the next step in the process.

What’s It Cost To Finance A Fully-Loaded Ridgeline?

If we assume a $10,000 down payment, a six-percent sales tax, $4,000 for various registration and title fees, a five-percent interest rate, and a 60-month loan term, here’s an overview of what a typical auto loan for a Honda Ridgeline might entail:

Under these financial parameters, expect to pay $1,088 monthly over five years, totaling $7,632 in interest. This equates to 12% for interest and 88% going towards the principal.

Keep in mind that this is merely an illustration. Your specific loan details may differ significantly from this example. You could provide a larger or smaller down payment, choose to extend the loan term to reduce your monthly payments, or shorten it to minimize interest expenses. It’s advisable to conduct your own calculations to gauge what financing a Honda Ridgeline would look like for you.

Is A Fully-Loaded Ridgeline Worth The Price?

While we cannot designate a fully-loaded Honda Ridgeline as the best value variant of the truck—since the TrailSport, which comes equipped for off-roading, is only the second most expensive trim at $45,380—it does include a suspension tuned for rugged terrain and all-terrain tires, in addition to the heated leather steering wheel and seats featured in the Black Edition.

The $355 all-season protection package contributes to maintaining your truck’s aesthetics in the long run, but the Adventure package seemingly offers several mainly cosmetic features at a steep price. The $1,543 Cargo Storage package is functional if used as a work vehicle, but it may not be necessary for everyday driving. Furthermore, certain accessories like the essential first-aid kit and the $92 engine block heater, which may prove vital in colder climates, significantly enhance the vehicle’s utility, while other protective films and guards are beneficial in preserving paint from minor damage caused by gravel and debris.

Ultimately, the choice depends on the intended use of the vehicle. The oil pan protector is excellent for off-road driving, and the bed tent serves as a more valuable upgrade for overlanding commuting than the Adventure package; however, for those predominantly traveling on paved roads, neither may be essential. In conclusion, the Ridgeline’s great feature is its ability to be tailored to meet your precise needs—be it for off-road adventures, family outings, or as a reliable work truck; Honda provides numerous features to personalize this often undervalued pickup into your perfect mid-size vehicle.

Sources:
GoodCarBadCar.net,
Calculator.net