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Type the vehicle selling price and any trade-in allowance.
OTD calculator
Out-the-Door Price Calculator with tax & dealer fees
The out-the-door (OTD) price is vehicle price + sales tax + title + registration + doc fee − trade-in — what you actually pay to drive away. Free OTD calculator for all 50 states.
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Before tax and fees
Fills the tax rate and fees; edit any of them
$
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Out-the-door price
Enter a price
Tax and fees add — on top of the price you agree.
Adjust tax & fees
%
Add your county or city rate
$
Capped by law in some states
$
Set by your DMV
$
Set by your DMV; often by weight or value
Your out-the-door (OTD) price, line by line
Buyer’s order
- Vehicle selling price
- —
- Pick your state to fill in tax and fees
Out-the-door total
Enter a price
Estimate from the figures you entered. State figures are the statewide rate, the DMV title fee, a representative registration fee and a typical dealer doc fee; counties add to the rate in most states. Rates checked September 2026.
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Dealer’s OTD quote100%
What clients paid−$5,730
Median across 86 published deals with both figures. See the deals
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Definition
What is the out-the-door price of a car?
The out-the-door price, or OTD price, is the total amount you pay to drive a car away: the vehicle price you agree with the dealer, plus your state’s sales tax, the title fee, the registration fee and the dealer’s documentation fee, less the credit for any trade-in. It is the figure on the buyer’s order, and the only figure worth comparing between two dealers, because it is the only one that includes everything.
It does not include loan interest, insurance, an extended warranty or add-ons you decline. If a quote hides those inside the OTD, ask for them as separate lines. A monthly payment is not an out-the-door price either: a low payment can hide a longer loan or rolled-in fees.
OTD priceVehicle priceSales tax on (price − trade-in)TitleRegistrationDoc feeTrade-in
Who sets each line
- Vehicle price
- The dealer. Negotiable.
- Sales tax
- Your state, county and city. Fixed.
- Title fee
- Your DMV. Fixed.
- Registration
- Your DMV, often by weight or value. Fixed.
- Doc fee
- The dealer. Capped by law in 16 states; negotiable where it is not.
- Add-ons
- The dealer. Nitrogen, etching, protection packages: decline them.
Worked example
A $35,000 car in Texas, out the door
Texas charges a 6.25% motor-vehicle sales tax on the price after the trade-in, a $33 title fee and a base registration of about $51. Texas sets no hard cap on the dealer doc fee; $150 is typical.
Worked example
- Vehicle selling price
- $35,000
- Sales tax at 6.25% on $30,000 (price after trade-in)
- +$1,875
- Title fee
- +$33
- Registration
- +$51
- Dealer doc fee (typical; $225 safe harbor)
- +$150
- Less trade-in allowance
- −$5,000
Out-the-door price
$32,109
Tax and fees add $2,109 to a $35,000 car in Texas with a $5,000 trade-in. The trade-in is worth its $5,000 plus the $313 of tax it removes, because Texas taxes the price after the trade comes off.
Two dealers quoting the same $35,000 can land hundreds apart on the doc fee alone; Texas sets no hard cap on it. Ask for the out-the-door price in writing and compare that.
Figures from the state table on this page; counties and cities may add to the rate. Rounded to the dollar.
By state
Sales tax, title, registration and doc fees by state
The figures the calculator fills in when you pick a state. Rates are the statewide rate; counties and cities add to it in most states. The doc fee is what dealers typically charge, or the legal cap where one exists.
51 states and DC
| State | Tax rate | What it is called | Trade-in cuts tax? | Title fee | Registration | Doc fee cap | Typical doc fee | Notes |
|---|---|---|---|---|---|---|---|---|
| Alabama | 2% | Sales tax | Yes | $18 | $23 | None found | $485 | Counties and cities add to the 2% automotive rate. No statutory cap found; the dealer sets it, so it is negotiable. |
| Alaska | None | No state sales tax | Yes | $15 | $100 | None found | $200 | No statutory cap found; the dealer sets it, so it is negotiable. |
| Arizona | 5.6% | Sales tax | Yes | $4 | $8 | None found | $499 | Cities and counties add roughly 2% to 5%. No statutory cap found; the dealer sets it, so it is negotiable. |
| Arkansas | 6.5% | Sales tax | Yes | $10 | $17 | $129 | $129 | Counties and cities add roughly 1% to 5%. Capped by law. |
| California | 7.25% | Sales tax | No | $23 | $103 | $85 | $85 | Districts add roughly 0.15% to 3% on top. $74 base plus the $29 CHP fee; the value-based license fee and transportation improvement fee are extra. California taxes the full price; a trade-in does not reduce the tax. Capped by law — CA Vehicle Code 11713.1. |
| Colorado | 2.9% | Sales tax | Yes | $7 | $75 | None found | $599 | Cities, counties and districts add roughly 1% to 5%. Priced on weight and value; ownership tax is extra. No statutory cap found; the dealer sets it, so it is negotiable. |
| Connecticut | 6.35% | Sales tax | Yes | $25 | $120 | None found | $499 | No statutory cap found; the dealer sets it, so it is negotiable. |
| Delaware | None | No state sales tax (DMV document fee applies) | Yes | $40 | $40 | None found | $300 | No statutory cap found; the dealer sets it, so it is negotiable. |
| District of Columbia | 6% | Vehicle excise tax | No | $26 | $72 | None found | $300 | District of Columbia taxes the full price; a trade-in does not reduce the tax. No statutory cap found; the dealer sets it, so it is negotiable. |
| Florida | 6% | Sales tax | Yes | $78 | $225 | None found | $899 | Counties add a discretionary surtax on the first $5,000 only. No statutory cap found; the dealer sets it, so it is negotiable. |
| Georgia | 7% | Title Ad Valorem Tax (TAVT) | Yes | $18 | $20 | None found | $599 | None: the TAVT rate is statewide. No statutory cap found; the dealer sets it, so it is negotiable. |
| Hawaii | 4% | Sales tax | No | $5 | $45 | None found | $395 | Hawaii taxes the full price; a trade-in does not reduce the tax. No statutory cap found; the dealer sets it, so it is negotiable. |
| Idaho | 6% | Sales tax | Yes | $14 | $69 | None found | $399 | No statutory cap found; the dealer sets it, so it is negotiable. |
| Illinois | 6.25% | Sales tax | Yes | $165 | $151 | $378 | $378 | Chicago and Cook County add roughly 1.75% to 4.75%. Capped by law — CPI-indexed each year. |
| Indiana | 7% | Sales tax | Yes | $15 | $21 | $251 | $251 | Capped by law — CPI-indexed each year. |
| Iowa | 5% | One-time registration fee (5%) | Yes | $25 | $50 | $180 | $180 | Priced on weight and value. Capped by law. |
| Kansas | 6.5% | Sales tax | Yes | $10 | $39 | None found | $499 | Counties and cities add roughly 1% to 4%. No statutory cap found; the dealer sets it, so it is negotiable. |
| Kentucky | 6% | Sales tax | No | $9 | $21 | None found | $450 | Kentucky taxes the full price; a trade-in does not reduce the tax. No statutory cap found; the dealer sets it, so it is negotiable. |
| Louisiana | 4.45% | Sales tax | Yes | $69 | $32 | $436 | $436 | Parishes add roughly 3% to 6%. Capped by law — CPI-indexed each year. |
| Maine | 5.5% | Sales tax | Yes | $33 | $35 | None found | $499 | No statutory cap found; the dealer sets it, so it is negotiable. |
| Maryland | 6% | Sales tax | Partial | $100 | $135 | $800 | $800 | Maryland credits a trade-in only when it is part of the same transaction. Capped by law. |
| Massachusetts | 6.25% | Sales tax | Yes | $75 | $60 | None found | $459 | No statutory cap found; the dealer sets it, so it is negotiable. |
| Michigan | 6% | Sales tax | Partial | $15 | $170 | $280 | $280 | Priced on the vehicle value, so this is a mid-range figure. Michigan caps the trade-in credit at $12,000 for 2026, rising $1,000 a year until the cap ends in 2029. Capped by law — or 5% of the price, whichever is less. |
| Minnesota | 6.875% | Sales tax | Yes | $8 | $35 | $350 | $350 | None on the 6.875% motor-vehicle rate. Capped by law. |
| Mississippi | 5% | Sales tax | Yes | $9 | $14 | None found | $425 | No statutory cap found; the dealer sets it, so it is negotiable. |
| Missouri | 4.225% | Sales tax | Yes | $11 | $49 | $621 | $621 | Counties and cities add roughly 2% to 6%. Capped by law — CPI-indexed each year. |
| Montana | None | No state sales tax | Yes | $12 | $30 | None found | $299 | Priced on the vehicle age. No statutory cap found; the dealer sets it, so it is negotiable. |
| Nebraska | 5.5% | Sales tax | Yes | $10 | $15 | None found | $299 | Priced on value; the state portion only. No statutory cap found; the dealer sets it, so it is negotiable. |
| Nevada | 6.85% | Sales tax | Yes | $29 | $33 | None found | $499 | Counties add roughly 1.5% to 1.5%. No statutory cap found; the dealer sets it, so it is negotiable. |
| New Hampshire | None | No state sales tax | Yes | $25 | $31 | None found | $375 | No statutory cap found; the dealer sets it, so it is negotiable. |
| New Jersey | 6.625% | Sales tax | Yes | $60 | $65 | None found | $695 | No statutory cap found; the dealer sets it, so it is negotiable. |
| New Mexico | 4% | Motor vehicle excise tax | Yes | $5 | $38 | None found | $339 | The 4% excise tax is statewide. No statutory cap found; the dealer sets it, so it is negotiable. |
| New York | 4% | Sales tax | Yes | $50 | $140 | $175 | $175 | Counties add substantially; New York City is about 8.875% in total. Priced on weight, two-year registration. Capped by law. |
| North Carolina | 3% | Highway Use Tax | Yes | $56 | $38 | None found | $699 | None: the Highway Use Tax is statewide. No statutory cap found; the dealer sets it, so it is negotiable. |
| North Dakota | 5% | Sales tax | Yes | $5 | $49 | None found | $299 | No statutory cap found; the dealer sets it, so it is negotiable. |
| Ohio | 5.75% | Sales tax | Yes | $15 | $35 | $398 | $398 | Capped by law — or 10% of the price, whichever is less. |
| Oklahoma | 1.25% | Sales + excise tax | Yes | $11 | $98 | None found | $599 | The 1.25% sales tax is on top of the 3.25% excise tax. No statutory cap found; the dealer sets it, so it is negotiable. |
| Oregon | None | No state sales tax | Yes | $101 | $112 | $250 | $250 | Capped by law — $200 non-electronic, $250 electronic filing (ORS 822.043). |
| Pennsylvania | 6% | Sales tax | Yes | $67 | $48 | $490 | $449 | Allegheny County adds 1%; Philadelphia adds 2%. Capped by law — CPI-indexed each year. |
| Rhode Island | 7% | Sales tax | Yes | $53 | $30 | None found | $399 | No statutory cap found; the dealer sets it, so it is negotiable. |
| South Carolina | 5% | Sales tax | Yes | $15 | $40 | None found | $400 | Capped: the maximum vehicle sales tax is $500. No statutory cap found; the dealer sets it, so it is negotiable. |
| South Dakota | 4% | Motor vehicle excise tax | Yes | $10 | $36 | None found | $200 | No statutory cap found; the dealer sets it, so it is negotiable. |
| Tennessee | 7% | Sales tax | Yes | $11 | $29 | None found | $499 | Local tax applies to the first $1,600 plus a state single-article tax. No statutory cap found; the dealer sets it, so it is negotiable. |
| Texas | 6.25% | Sales tax | Yes | $33 | $51 | $225 safe harbor | $150 | No local add-on: 6.25% is the whole motor-vehicle rate. $50.75 state fee plus county road-and-bridge and inspection fees. Texas sets no hard cap: $225 is the OCCC safe harbor, above which a dealer must justify the fee. $150 is typical. |
| Utah | 4.85% | Sales tax | Yes | $6 | $44 | None found | $299 | Counties add roughly 1% to 2.5%. No statutory cap found; the dealer sets it, so it is negotiable. |
| Vermont | 6% | Sales tax | Yes | $35 | $76 | None found | $200 | No statutory cap found; the dealer sets it, so it is negotiable. |
| Virginia | 4.15% | Motor Vehicle Sales and Use Tax | No | $15 | $41 | None found | $799 | The 4.15% SUT is statewide, minimum $75. Virginia taxes the full price; a trade-in does not reduce the tax. No statutory cap found; the dealer sets it, so it is negotiable. |
| Washington | 6.5% | Sales tax | Yes | $15 | $30 | $200 | $200 | Local rates add roughly 1.4% to 3.9%. Capped by law — RCW 46.70.180. |
| West Virginia | 6% | Sales tax | Yes | $15 | $52 | $575 | $575 | Capped by law. |
| Wisconsin | 5% | Sales tax | Yes | $165 | $85 | None found | $299 | No statutory cap found; the dealer sets it, so it is negotiable. |
| Wyoming | 4% | Sales tax | Yes | $15 | $30 | None found | $500 | County fee is priced on value and is extra. No statutory cap found; the dealer sets it, so it is negotiable. |
Rates and fees checked September 2026 against state motor-vehicle and revenue sources; reviewed by Neel Mehta, lead negotiator at Car Concierge Pro, who reads dealer out-the-door sheets every week. Legislatures change these figures; if yours has, edit the field and tell us. Full detail for every state, with sources, on the dealer fees and taxes by state page.
Do it yourself
How to calculate the out-the-door price yourself
The OTD price is arithmetic, not a secret. Three steps, and the same three the calculator above runs for you.
Choose your state
Your state's sales-tax rate, title fee, registration fee and a typical doc fee fill in. Replace any of them with the dealer's quote.
Read the total
Price + tax + fees − trade-in is the out-the-door price. Compare that number between dealers, never the monthly payment.
Still not sure what the number should be? Neel will get you to the best negotiated price, walking you through every fee, tax and dealer line item.
Why use it
Why use this out-the-door price calculator
Buying a car is the second-biggest check most people ever write. The OTD calculator arms you with the numbers before you step on a lot.
30 s
Two fields to a real number
Price and state. Tax, title, registration and a typical doc fee fill in for you; the number updates as you type. No signup, no email, no waiting on a salesperson to do basic math.
All 50 states and DC
Each state’s own rate, fees and trade-in rule, with a note wherever it taxes cars under its own regime.
Itemized, not a lump sum
Every line on its own row, so two dealers’ quotes compare fee by fee instead of total by total.
Every field editable
The state figure is a starting point. Type the dealer’s quoted doc fee or your county rate and the total moves with it.
$1,800+
Catches hidden fees
Doc fees, prep charges and add-ons can add $1,800–$3,200. Seeing the true OTD number is how you spot them.
Trade-in done right
Most states tax the price after the trade-in comes off, which is where a trade quietly earns more than its headline number. 5 do not (CA, DC, HI, KY, VA); picking your state sets the switch to your state’s rule.
In-depth
Why negotiating the OTD price saves thousands
Dealerships fold hidden costs into financing offers that stretch payments over longer periods, making the car seem affordable month to month. Negotiate the total and none of that works.
The sticker is not the price
Sales tax, title, registration and the doc fee sit on top of any price you agree, and dealers quote them last. The out-the-door (OTD) number is the only one that includes all of them.
Monthly payments hide the total
A longer loan, a higher rate or a fee rolled into financing all make a car look affordable month to month. Agree the OTD price first, then decide how to pay for it.
Two quotes only compare as OTD
One dealer's lower price with a $999 doc fee and a prep charge can cost more than another's higher price with nothing added. Line them up fee by fee.
The doc fee is the dealer's number
Title and registration are set by your DMV; sales tax by your state. The doc fee is set by the dealer, capped by law in some states and uncapped in others, and negotiable where it is not capped.
Walking in with the number changes the conversation
A buyer who names an out-the-door figure is confirming pricing, not haggling. Dealers move faster when they know the math has been done.
It works remotely
More buyers close entirely online. An OTD number is the digital equivalent of a clear sticker: it lets you commit, or walk, without a showroom visit.
Pro tip: ask the dealer for the out-the-door price in writing before you agree to anything. Walking in with a complete breakdown of every line gives you the upper hand.
Used, trade-in, lease
Used cars, trade-ins and leases
The same OTD formula covers a used car from a dealer, a private sale and a motorcycle. What changes is who collects which fee.
Used cars
The same formula and the same state rate apply to a used car from a dealer: price, tax, title, registration and the doc fee. Buying from a private seller, you usually pay the sales tax to the DMV when you register the car, and there is no doc fee at all.
Trade-ins
In most states the sales tax is charged on the price after your trade-in comes off, so a $5,000 trade at a 6.25% rate saves $312 in tax on top of its own value. A handful of states tax the full price; the table above shows the rule for each.
Leases and motorcycles
For a lease, use the calculator for the drive-off amount (first payment, fees and tax on it), not the whole lease; most states tax each lease payment instead of the full price. Motorcycles follow the same rules as cars in most states, with a lower registration fee.
Questions
Out-the-door price calculator FAQ
What is the out-the-door (OTD) price of a car?
The total you pay to drive away: the agreed vehicle price plus sales tax, title fee, registration fee and the dealer's documentation fee, minus any trade-in credit. It is the only number worth comparing between two dealers.
What does the OTD price include, and what does it leave out?
It includes the price, tax, title, registration and doc fee. It does not include loan interest, insurance, extended warranties or add-ons you decline. If a quote hides those inside the OTD, ask for them as separate lines.
How accurate is this OTD calculator?
It pre-fills your state's statewide rate, title fee, a representative registration fee and a typical dealer doc fee; counties and cities often add to the rate, and Georgia, North Carolina and Oklahoma tax vehicles differently. Every field is editable, so enter your local rate and the dealer's quoted fees for an exact figure.
Does a trade-in reduce my sales tax?
In most states, yes: tax is charged on the price after the trade-in is deducted. A few states tax the full price. The toggle in the calculator lets you model either, and picking your state sets it to that state's rule.
Which of these fees can be negotiated?
Sales tax, title and registration are set by your state and DMV. The vehicle price, the doc fee where it is not capped by law, and any dealer add-ons are where the room is.
Does the calculator work for used cars, leases and motorcycles?
Yes for used cars and motorcycles: the same formula and state rate apply. For a lease, use it for the drive-off amount (first payment, fees and tax), not the whole lease.
Why negotiate the OTD price instead of the monthly payment?
A low monthly payment can hide a longer loan, a higher rate or rolled-in fees. Agree the OTD price first, then decide how to pay for it.
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