Lineup and MSRP
| Model | Start MSRP | Top MSRP | Destination | Notes |
|---|---|---|---|---|
| Maverick | $27,490 | $40,090 | $1,695 | Compact pickup, hybrid available |
| Ranger | $34,415 | $49,015 | $1,695 | Midsize pickup, 2024 redesign |
| F-150 | $39,490 | $81,990 | $1,995 | Full-size pickup, best-seller |
| Escape | $30,045 | $42,245 | $1,495 | Compact SUV |
| Bronco Sport | $34,390 | $49,990 | $1,595 | Compact off-road SUV |
| Bronco | $41,185 | $72,295 | $1,695 | Off-road SUV, Wrangler rival |
| Explorer | $39,855 | $58,955 | $1,745 | Midsize 3-row SUV |
| Mustang | $32,915 | $58,855 | $1,595 | Sports coupe, 315–500 hp |
| Mustang Mach-E | $38,990 | $52,990 | $1,995 | Electric SUV |
| F-150 Lightning | $54,995 | $98,995 | $2,195 | Electric pickup |
MSRP excludes taxes, title, license, and dealer fees. Destination charge is included in the MSRP.
Holdback, Dealer Cash and Incentives
Holdback
Ford offers a holdback of 3% of the Base MSRP (excluding destination) on most vehicles. This is among the highest holdbacks in the industry. On a $45,000 F-150 this is approximately $1,350. Ford holdback is paid to dealers quarterly.
Dealer Cash
UNVERIFIEDFord dealer cash is common and often substantial, especially on F-150, Explorer, and Mustang Mach-E. For November 2026, dealer cash is reported on Mustang Mach-E ($3,000–$6,000), Explorer ($1,000–$2,500), and F-150 ($1,500–$3,000 depending on cab/bed config).
November 2026 National Offers
| Model | Offer | Terms | |
|---|---|---|---|
| F-150 | $2,000 cash back + 2.9% APR for 72 mo | Choose one: cash OR low APR. Through Nov 30, 2026. | |
| Escape | $1,500 cash back | All trims. Through Nov 30, 2026. | |
| Explorer | $2,500 cash back + 0% APR / 72 mo | Choose one: cash OR 0%. Through Nov 30, 2026. | |
| Mustang Mach-E | $7,500 EV lease cash + 0% APR | Lease cash for lease only. Purchase gets 0% / 72 mo. Through Nov 30, 2026. | UNVERIFIED |
| Bronco | No national incentives | High demand. MSRP or slight discount only. | |
| Maverick | 1.9% APR for 60 months | Well-qualified buyers. Through Nov 30, 2026. |
Customer cash and APR offers are typically mutually exclusive — choose one or the other. Dealer cash is separate and can sometimes stack with customer offers.
Lease Programs: Money Factor and Residual
| Model | Money Factor | Residual | Term | |
|---|---|---|---|---|
| Escape | 0.00035 | 50% | 36 mo | UNVERIFIED |
| Explorer | 0.00030 | 47% | 36 mo | UNVERIFIED |
| F-150 | 0.00040 | 45% | 36 mo | UNVERIFIED |
| Mustang Mach-E | 0.00020 | 48% | 36 mo | UNVERIFIED |
| Bronco Sport | 0.00045 | 52% | 36 mo | UNVERIFIED |
| Maverick | 0.00040 | 51% | 36 mo | UNVERIFIED |
Money Factor (MF): The lease equivalent of an interest rate. To convert to APR, multiply by 2,400. Lower is better.
Residual: The estimated value of the vehicle at lease end, as a percentage of MSRP. Higher is better for lessees.
Fair Target Price
Formula
Invoice Price − Holdback (3% of MSRP) − Dealer Cash − Customer Incentives = Fair Target Price
| Benchmark | Target Price |
|---|---|
| Good deal | Invoice − 50% of holdback |
| Great deal | Invoice − full holdback − dealer cash |
| Aggressive | Invoice − 3% holdback − all dealer cash − customer incentives |
The fair target price is a benchmark, not a guarantee. Dealer willingness depends on inventory, time of month, and demand for the specific model.
Add-ons and Markups
| Item | Typical Markup | Recommendation |
|---|---|---|
| Destination/Delivery | Included in MSRP | Non-negotiable. Already in MSRP. |
| Dealer documentation fee | $300–$1,000 | Negotiate down. Ford dealers tend to have higher doc fees. |
| Ford Protect / premium maintenance | $600–$2,500 | Decline pre-installed packages. Buy Ford Protect separately if desired. |
| Bed liner (F-150) | $400–$700 | Aftermarket spray-in liner costs ~$450. Negotiate or go aftermarket. |
| Tire & wheel protection | $400–$1,200 | Decline unless you frequently drive on rough terrain. |
| Extended warranty (Ford Protect) | $500–$2,500 markup | Negotiate if you want it. Ford Protect plans are competitively priced online. |
Negotiation Steps
- 1
Get the invoice price
Ford invoice is typically 5–8% below MSRP. Find the exact invoice for your trim and options.
- 2
Calculate the 3% holdback
Ford has the highest holdback at 3% of Base MSRP. On a $50,000 F-150 that's $1,500 in hidden dealer profit.
- 3
Ask about dealer cash
Ford dealer cash is common on F-150, Explorer, and Mach-E. Ask: "What dealer cash or stair-step money is available this month?"
- 4
Get OTD quotes from 3–5 dealers
Email multiple Ford dealers for OTD pricing. Ford dealers are competitive — especially on F-150.
- 5
Make your offer
Offer: Invoice − full holdback − dealer cash − customer incentives. Ford's 3% holdback gives you more room than most brands.
- 6
Decline Ford Protect add-ons
Decline pre-installed protection packages. These are high-margin items the dealer installs before the car hits the lot.
- 7
Check Ford X-Plan pricing
If you qualify (Ford partner companies, shareholders), X-Plan gives invoice + small fee pricing with no negotiation. Worth checking.
- 8
Watch for stair-step bonuses
Ford dealers earn volume bonuses (stair-step) at month-end. Shop in the last 3–5 days of the month for maximum dealer flexibility.
Sources
- Ford — November 2026 Offers (on this page)
- Edmunds True Market Value / Invoice Pricing
- CarEdge — Ford Holdback Data
- Leasehackr — Ford Lease Programs
- Internal dealer incentive reports (Nov 2026)