The 2020 Toyota Camry has spent five years on American roads, which means its original buyers are now discovering exactly how much value their sedans have shed. For anyone thinking about selling, trading in, or buying one used, the key question is not just how much it has depreciated, but how that drop compares with the broader midsize market. Put simply, the Camry’s reputation for slow, steady value loss has largely held up, and the numbers now tell a clear story.
Looking at real-world resale data, the 2020 Toyota Camry has kept a surprisingly strong grip on its original sticker price, especially next to rival sedans that have fallen much harder. Five years in, the model has given up a meaningful chunk of its value, yet it still sits among the segment’s strongest performers, which matters both to owners cashing out and shoppers trying to time a smart entry point.
How much value a 2020 Camry has actually lost
The cleanest way to understand the 2020 Toyota Camry’s depreciation is to start with the share of its original price it still holds. Reporting from Nov 29, 2025 indicates that a 2020 Toyota Camry has managed to retain around 64% of its value after five years, which means it has lost roughly 36 percent of what it cost new. In practical terms, a well-equipped Camry that originally sold for about $30,000 would now be worth close to $19,000, with condition, mileage, and options nudging that figure up or down. That level of retention is unusually strong for a mainstream midsize sedan, a segment where heavy incentives and fleet sales often drag prices down faster.
Broader resale research backs up the idea that the Camry’s five year drop is on the mild side. A long term look at Toyota Camry Resale Value and Depreciation shows that a new Toyota Camry depreciates 37.7 percent after five years, and that its ten year depreciation is 62.6 percent, placing it among the most value stable sedans in the market over a full ownership cycle. Those figures, drawn from a wide sample of transactions, align closely with the roughly one third loss implied by the 64 percent retention figure, and they reinforce the pattern that the Toyota Camry tends to give up value slowly rather than plunging in the early years, as detailed in the Toyota Camry Resale Value and Depreciation data.
How that compares with other sedans after five years
Depreciation only matters in context, and the 2020 Toyota Camry’s roughly one third value loss looks even more favorable when set against the broader sedan field. The Nov reporting that a 2020 Toyota Camry has retained around 64% of its value after five years notes that, Compared to other sedans, it is simply not dropping as fast, which is why it continues to be a favorite among buyers who plan to resell or trade in within a typical five to seven year window. Many rival midsize models, especially those from brands with weaker reliability reputations, tend to lose closer to half their value in the same period, leaving owners with smaller trade in checks and less equity to roll into their next purchase.
That relative strength fits into a larger pattern in which Toyota itself dominates the charts of the slowest depreciating cars on the market. Analysis published on Nov 29, 2025 notes that, Meanwhile, Toyota models consistently show up near the top of value retention rankings, and that the Camry in particular tends to hold its value more than the others in its class. In other words, the 2020 Camry is not an outlier but part of a brand wide trend in which conservative engineering, high reliability scores, and broad demand keep used prices elevated, a point underscored by coverage that explains how the Camry holds its value more than the others in its segment in the piece introduced with the words Meanwhile, Toyota.
What pricing tools say about a real 2020 Camry today
For owners and shoppers trying to translate percentages into actual dollars, online valuation tools provide a more granular snapshot of what a five year old Camry is worth. Pricing guides that track millions of transactions show that a typical 2020 Toyota Camry with average mileage now commands a resale figure that lines up with the roughly 36 to 38 percent depreciation range, with cleaner, lower mileage examples selling for more and high mileage or accident damaged cars falling below that band. These tools factor in trim level, options like leather or advanced safety packages, and regional demand, which is why two identical model year cars can still carry different price tags depending on where they are sold.
One widely used valuation service, for example, provides a dedicated 2020 Camry depreciation page that charts how the car’s value has stepped down year by year and projects how much more it is likely to lose if kept longer. That resource shows that the steepest drop comes in the first few years, then levels into a slower decline as the car ages, a pattern that matches the broader Toyota Camry Resale Value and Depreciation trend. Owners can plug in their mileage and condition to see how closely their car tracks the curve on the 2020 Camry depreciation chart, which helps them decide whether to sell now or hold for another model year.
How trade in and private sale values differ
Another key piece of the five year depreciation puzzle is the gap between what a dealer will pay and what a private buyer might offer. Trade in values for a 2020 Toyota Camry tend to sit below the headline resale figures, since dealers need room for reconditioning costs and profit margins, while private party sales can capture more of the car’s remaining value at the cost of extra time and effort. For owners, that means the same five year old Camry that looks like a strong performer on paper may still produce a disappointing trade in offer if they walk into a showroom without doing homework.
Appraisal tools that break out trade in, private party, and dealer retail prices for the 2020 Camry make those differences explicit. A detailed appraisal page for the model lets users enter their VIN or configuration and then compares what a dealer is likely to offer against what the car might fetch in a direct sale to another driver. In many cases, the spread between those numbers can run into the thousands of dollars, even though both are anchored to the same underlying depreciation curve. Checking the 2020 Camry appraisal value before visiting a dealer gives owners a realistic baseline and a stronger negotiating position.
What the five year drop means for buyers and owners
For current owners, the 2020 Toyota Camry’s relatively gentle five year depreciation is a financial cushion. Losing roughly a third of the car’s value over half a decade, instead of closer to half, leaves more equity in the vehicle, which can be rolled into a down payment on a replacement or tapped by selling outright. That stability also reduces the risk of being “upside down” on a loan, where the outstanding balance exceeds the car’s market value, a situation that can trap owners in their existing financing or force them to bring cash to the table at trade in time.
For used car shoppers, the same strength cuts both ways. On one hand, paying more for a 2020 Camry than for a similarly sized rival might feel like a premium, but the data suggests that the sedan will continue to shed value slowly, which can make it a safer bet for buyers who plan to resell in a few years. On the other hand, bargain hunters looking for the steepest discounts may find better deals in models that depreciate faster, accepting higher long term risk in exchange for a lower upfront price. The Toyota Camry’s five year record, captured in figures like the 64% retention rate and the 37.7 percent five year depreciation benchmark, makes clear that it sits firmly in the first camp, trading rock bottom used prices for long term value security.
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