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2026 Honda Civic Sport vs 2026 Subaru Legacy Premium

At a fair price, the 2026 Subaru Legacy Premium costs less — about $25,064. Both hold their value about the same over three years. All in — the value it loses plus what it costs to run — the 2026 Subaru Legacy Premium works out cheaper to own, about $14,044 over three years. Whichever you lean toward, start a fund now and your down payment will be ready when you are.
The price to buy it
$26,028
$25,064Better
What a fair price could save you
$972Better
$936
What it may be worth in 3 years
$16,740
$16,120

The value it loses plus what it costs to run — the cheaper car to buy isn't always the cheaper car to own.

Over 3 years
$14,388
$14,044Better
A mile
40¢
39¢Better
Not sure yet? Start a fund either way

You don't have to decide today. Save a little each week and your car fund keeps growing — pick the car when you're ready and the down payment is already there.

Start my car fundHave the Downly app? Open it here
Rather keep your cash?

Buying either one means a big payment up front — around $5,206 for the 2026 Honda Civic Sport or $5,013 for the 2026 Subaru Legacy Premium. Leasing can let you keep that money working for you instead of handing it to the dealer. See your monthly and how much cash you'd keep — lease vs buy, side by side.

For the 2026 Subaru Legacy Premium: About $15,772 in all over the 3-year lease. Buying, about $31,259 in all over the 5-year loan.
That's about $5,257 a year leasing — vs about $6,252 a year financing.
See lease vs buy for the 2026 Subaru Legacy Premium
Is the 2026 Honda Civic Sport or the 2026 Subaru Legacy Premium cheaper to buy?

At a fair price the 2026 Subaru Legacy Premium costs less — about $25,064, versus $26,028 for the 2026 Honda Civic Sport.

Which one holds its value better?

They're close — both keep about 62% of their value after three years.

Which one is cheaper to own overall?

Looking at the whole picture — the value it loses plus what it costs to run — the 2026 Subaru Legacy Premium costs less to own over three years, about $14,044 (roughly 39¢ a mile), versus $14,388 for the 2026 Honda Civic Sport. The cheaper car to buy isn't always the cheaper car to own. A national-average guide, not a quote.

How much should I save for either one?

A common starting point is about 20% up front — that's roughly $5,206 for the 2026 Honda Civic Sport or $5,013 for the 2026 Subaru Legacy Premium. Start a fund and it keeps growing while you decide.

Should I lease one of these instead of buying?

It's worth a look if you'd rather keep your cash. Buying either one means a big payment up front — around $5,206 for the 2026 Honda Civic Sport or $5,013 for the 2026 Subaru Legacy Premium. Leasing usually skips most of that, so that money stays yours instead of going to the dealer — Downly suggests putting $0 down on a lease. See lease vs buy for either car to compare the monthly and how much cash you'd keep.

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