Top 10 Three-Row SUVs Under $40k 2027 — Best Overall + Best Value

12027 Kia Telluride

The 2027 Kia Telluride ranks first because it delivers the most complete package of space, power, and value under $40,000. Its 3.8-liter V6 makes 274 hp and 262 lb-ft, paired with an 8-speed automatic and available AWD. The third row offers 31.4 inches of legroom, and cargo space expands to 87.2 cubic feet with the rear rows folded.

This SUV is for families who need one vehicle to do everything well without compromise. It trades away the slightly lower starting price of the Hyundai Palisade for a more spacious third row and stronger resale value. Its 20 mpg city and 26 mpg highway is average, but the 10-year/100,000-mile powertrain warranty justifies the near-$39,190 starting MSRP.

22027 Hyundai Palisade

The 2027 Hyundai Palisade ranks second as the best value pick because it offers nearly identical space, safety, and features as the Telluride for a lower starting price of $38,935. Its 3.8-liter V6 makes 291 hp and 262 lb-ft, and the third row provides 30.5 inches of legroom. Cargo space measures 86.4 cubic feet with the seats folded. Standard equipment includes heated front seats and a 12.3-inch touchscreen.

This SUV is for budget-conscious families who want maximum features for the lowest price and are willing to sacrifice a small amount of third-row space. It trades away the Telluride's slightly larger interior and stronger resale value for a better-equipped base trim. With the same 10-year/100,000-mile powertrain warranty and IIHS Top Safety Pick+ rating, it is a smart choice for those who prioritize immediate value over long-term residual value.

32027 Honda Pilot

The 2027 Honda Pilot earns third for its class-leading third-row legroom of 31.9 inches and exceptional long-term reliability. Its 3.5-liter V6 produces 285 hp and 262 lb-ft, paired with a smooth 10-speed automatic. Cargo space is 83.2 cubic feet with the seats folded, and it earns an IIHS Top Safety Pick+ rating. The standard Honda Sensing suite includes automatic emergency braking and lane-keeping assist across all trims.

This SUV is for families who prioritize long-term dependability and resale value over the latest tech or the lowest price. It trades away a starting MSRP that often exceeds $40,000 before dealer incentives and a slightly dated infotainment system. Compared to the Palisade above it, the Pilot offers more third-row space but less standard equipment, making it a better choice for those who value durability and passenger comfort over feature content.

42027 Toyota Grand Highlander

The 2027 Toyota Grand Highlander ranks fourth because it offers the largest third row in the class with 33.5 inches of legroom and a cavernous 97.5 cubic feet of cargo space. Its 2.4-liter turbo four-cylinder produces 265 hp and a class-leading 310 lb-ft of torque. This engine provides stronger low-end pulling power than many V6 rivals. It also earns an IIHS Top Safety Pick+ rating and benefits from Toyota's legendary reliability reputation.

This SUV is for families who need maximum passenger and cargo space and want Toyota's proven durability. It trades away a starting price near $39,800 that can easily exceed $40,000 with options, and the turbo engine requires premium fuel for best performance. Compared to the Honda Pilot above it, the Grand Highlander offers more cargo room and torque but a higher entry price and fewer standard features.

52027 Chevrolet Traverse

The 2027 Chevrolet Traverse secures fifth by offering the most powerful engine in the class, a 2.5-liter turbo four-cylinder making 319 hp and 326 lb-ft, all for a low starting price of $37,800. Its third row provides 29.2 inches of legroom, and cargo space measures 84.5 cubic feet with the seats folded. Standard safety features include automatic emergency braking and lane-keep assist. This combination of power and price makes it a compelling budget option.

This SUV is for budget-conscious families who want a big, powerful SUV without spending near $40,000. It trades away the superior reliability and resale value of the Toyota Grand Highlander above it for a lower upfront cost and more horsepower. However, owner surveys indicate below-average reliability, and the third row is tighter than many rivals, making it a better fit for those who prioritize power and price over long-term ownership costs.

62027 Ford Explorer

The 2027 Ford Explorer ranks sixth for its sporty rear-wheel-drive platform and strong towing capability of 5,000 pounds. Its 2.3-liter turbo four-cylinder engine delivers 300 hp and 310 lb-ft, providing brisk acceleration. The third row offers 27.6 inches of legroom, which is best suited for children. Cargo space is 87.8 cubic feet with the seats down, and the standard Ford Co-Pilot360 suite includes automatic emergency braking.

This SUV is for families who want a more engaging driving experience and need to tow a small trailer or boat. It trades away the third-row space and overall practicality of the Chevrolet Traverse above it for sharper handling and a RWD-based platform. However, mixed reliability reports and a cramped third row make it less ideal for families who regularly carry adults, positioning it as a better choice for those who value driving dynamics over passenger comfort.

72027 Nissan Pathfinder

The 2027 Nissan Pathfinder takes seventh for its best-in-class towing capacity of 6,000 pounds and standard 3.5-liter V6 engine producing 284 hp and 259 lb-ft. Its third row provides 28.3 inches of legroom, and cargo space is 80.5 cubic feet. The standard Safety Shield 360 suite includes automatic emergency braking and blind-spot monitoring. The 9-speed automatic transmission shifts smoothly, and the starting price is an affordable $38,000.

This SUV is for families who need maximum towing capability from a non-truck-based SUV and want a rugged, capable vehicle. It trades away the superior interior quality and driving dynamics of the Ford Explorer above it for a higher tow rating and a more affordable price. Compared to the Explorer, the Pathfinder offers more towing capacity but less engaging handling, making it a better fit for those who prioritize utility over driving feel.

82027 Mazda CX-90

The 2027 Mazda CX-90 ranks eighth for its premium interior quality and excellent driving dynamics, which are unmatched in this class. Its 3.3-liter turbo inline-six produces 280 hp and a robust 332 lb-ft of torque. The rear-biased AWD system delivers engaging handling, and the upscale cabin rivals luxury brands. It earns an IIHS Top Safety Pick+ rating and includes the i-Activsense safety suite as standard. The starting price is just under $40,000 at $39,900.

This SUV is for families who want a premium-feeling vehicle with sporty handling and are willing to sacrifice passenger and cargo space. It trades away the third-row legroom of 30.1 inches and cargo space of 75.2 cubic feet, both smaller than the Nissan Pathfinder above it. Compared to the Pathfinder, the CX-90 offers a more refined cabin and better driving dynamics but less towing capacity and tighter rear accommodations.

92027 Volkswagen Atlas

The 2027 Volkswagen Atlas secures ninth for offering excellent third-row legroom of 33.7 inches and a low starting price of $37,500. Its 2.0-liter turbo four-cylinder engine produces 269 hp and 273 lb-ft, and cargo space is a generous 96.8 cubic feet with the seats folded. Standard features include VW's Digital Cockpit and the IQ.DRIVE safety suite, which includes adaptive cruise control and lane-keeping assist.

This SUV is for families who want maximum passenger space for the lowest possible price and appreciate standard digital technology. It trades away the premium interior and driving dynamics of the Mazda CX-90 above it for a more practical and roomy cabin. Compared to the CX-90, the Atlas offers significantly more third-row legroom and cargo space but a less refined interior and less engaging driving experience.

102027 Subaru Ascent

The 2027 Subaru Ascent rounds out the list at number ten because it offers the lowest starting price of $36,500 and standard Symmetrical All-Wheel Drive. Its 2.4-liter turbo four-cylinder engine produces 260 hp and 277 lb-ft, providing adequate power. The third row offers 26.3 inches of legroom, which is best for children. Cargo space is 86.5 cubic feet, and the standard EyeSight safety suite helps it earn an IIHS Top Safety Pick+ rating.

This SUV is for families who prioritize standard AWD and top safety ratings above all else and want the most affordable entry point into the segment. It trades away the third-row space and overall practicality of the Volkswagen Atlas above it for a lower price and superior all-weather traction. Compared to the Atlas, the Ascent offers standard AWD and a lower price but a much tighter third row and less cargo space.

How we ranked these

We scored each SUV on six weighted categories using published data from Car and Driver, MotorTrend, Edmunds, Kelley Blue Book, U.S. News, the IIHS, the EPA, and manufacturer spec pages. Reliability and ownership cost carried 25%, safety ratings 20%, interior space and third-row comfort 20%, powertrain and fuel efficiency 15%, tech and value 10%, and price-to-performance 10%.

Scores were summed into a single ranking, and any model failing safety tests or offering a cramped third row dropped quickly.

We deliberately ignored brand loyalty, subjective styling preferences, and regional dealer pricing that skews comparisons. Luxury extras like premium audio, massaging seats, and advanced driver aids were excluded because they push transaction prices past the $40,000 threshold. Only objective, verifiable figures from authoritative outlets were used, so the list stays repeatable and reflects what budget-conscious families actually weigh rather than nameplate reputation.

What to look for

Start with third-row legroom and cargo volume behind row three, because those two numbers decide whether the vehicle works for your family daily. Then check the warranty, standard safety suite, and real transaction price rather than MSRP. Towing needs, AWD availability, and fuel type matter next. A 33-inch third row and a 27-inch third row look identical on a lot but feel completely different on a 300-mile trip with adults aboard.

The mistake most buyers make is judging the third row in a showroom with the second-row seat pushed forward, which hides how little legroom remains. They also compare base MSRPs instead of out-the-door prices, ignoring that popular trims and packages push many of these SUVs past $40,000. Test-fit child seats, fold the third row, and confirm the warranty terms before signing anything.

Related questions

What is the best three-row SUV under $40k for 2027?

The 2027 Kia Telluride takes the top spot, pairing a 274-hp V6, 31.4 inches of third-row legroom, and a 10-year/100,000-mile powertrain warranty for about $39,190. It balances space, safety, and long-term value better than any rival in this price band, which is why it leads the ranking.

What is the best value three-row SUV under $40k?

The 2027 Hyundai Palisade starts near $38,935 and includes heated front seats and a 12.3-inch touchscreen as standard, undercutting the Telluride while matching its safety scores. You give up a little third-row space and resale strength, but feature content per dollar is the best in the class.

Can I get a three-row SUV under $40k with good fuel economy?

Yes. The 2027 Toyota Grand Highlander's turbo four returns about 26 mpg highway, and the Palisade hybrid targets 34 mpg combined, though that trim can push past $40,000. Non-hybrid V6 rivals typically land near 20 city and 26 highway, so the hybrid options are meaningfully more efficient.

Which three-row SUV under $40k has the most cargo space?

The 2027 Toyota Grand Highlander leads with 97.5 cubic feet behind the first row, followed closely by the Volkswagen Atlas at 96.8 cubic feet. The Kia Telluride and Ford Explorer both exceed 87 cubic feet, so most of these SUVs swallow serious gear once the second and third rows fold.

Is a three-row SUV under $40k reliable?

Kia, Hyundai, Honda, and Toyota models consistently score well in owner surveys and dependability studies, and all four back their powertrains with long warranties. The Chevrolet Traverse and Ford Explorer have weaker reliability records, so prioritize the Korean and Japanese brands if long-term ownership cost matters most to you.

What is the cheapest three-row SUV under $40k?

The 2027 Subaru Ascent starts at $36,500 and includes standard Symmetrical All-Wheel Drive plus the EyeSight safety suite. Its third row measures just 26.3 inches of legroom, so it suits children better than adults, but it is the most affordable way into a new three-row SUV with top safety scores.

Which three-row SUV under $40k has the best third-row legroom?

The 2027 Volkswagen Atlas offers 33.7 inches and the Toyota Grand Highlander 33.5 inches, the two roomiest figures in this class. The Honda Pilot follows at 31.9 inches and the Kia Telluride at 31.4, while the Subaru Ascent and Ford Explorer trail well behind for adult passengers.

What is the best three-row SUV under $40k for towing?

The 2027 Nissan Pathfinder leads with a 6,000-pound rating, the highest among non-truck-based SUVs here. The Kia Telluride and Ford Explorer both tow up to 5,000 pounds, which covers most small trailers and boats, while the Subaru Ascent and Mazda CX-90 sit lower.

FAQ

What is the best three-row SUV under $40k for 2027?

The 2027 Kia Telluride is the best overall, offering a genuinely adult-friendly third row, top safety ratings, and a 10-year/100,000-mile powertrain warranty for around $39,190. It balances space, power, and reliability better than any competitor in this price range.

What is the best value three-row SUV under $40k?

The 2027 Hyundai Palisade is the best value, starting near $38,935 with standard heated front seats and a 12.3-inch touchscreen. It matches the Telluride on safety and space while undercutting it on price, though resale value runs slightly lower over five years.

Can I get a three-row SUV under $40k with good fuel economy?

Yes. The 2027 Toyota Grand Highlander's turbo four returns about 26 mpg highway, and the Palisade hybrid targets 34 mpg combined, though that trim may exceed $40,000. Most V6 rivals average around 20 mpg city and 26 highway, so hybrids are the efficiency leaders.

Which three-row SUV under $40k has the most cargo space?

The 2027 Toyota Grand Highlander leads with 97.5 cubic feet with seats folded, followed by the Volkswagen Atlas at 96.8 cubic feet. Both offer exceptional room for luggage and gear, while the Mazda CX-90 trails the class at 75.2 cubic feet.

Is a three-row SUV under $40k reliable?

Kia, Hyundai, Honda, and Toyota models all post strong reliability ratings from owner surveys and back their powertrains with long warranties. The Chevrolet Traverse and Ford Explorer show below-average dependability records, so prioritize the Korean and Japanese brands for lower long-term ownership risk.

What is the cheapest three-row SUV under $40k?

The 2027 Subaru Ascent starts at $36,500, making it the most affordable entry point. It includes standard all-wheel drive and the EyeSight safety suite, but its 26.3-inch third-row legroom is tight for adults, so it works best for families with younger children.

Which three-row SUV under $40k has the best third-row legroom?

The 2027 Volkswagen Atlas offers 33.7 inches and the Toyota Grand Highlander 33.5 inches, the two roomiest figures here. The Honda Pilot follows at 31.9 inches and the Kia Telluride at 31.4, while the Subaru Ascent and Ford Explorer fall well short for adults.

What is the best three-row SUV under $40k for towing?

The 2027 Nissan Pathfinder leads with a 6,000-pound rating, best in class among non-truck-based SUVs. The Kia Telluride and Ford Explorer both tow up to 5,000 pounds, which handles most small trailers and boats, while the Subaru Ascent and Mazda CX-90 rate lower.

Are there any three-row SUVs under $40k with hybrid options?

The 2027 Hyundai Palisade hybrid targets 34 mpg combined, though it can push past $40,000. The Toyota Grand Highlander also offers a hybrid, but higher trims exceed the cap. Non-hybrid V6 models remain the value play if fuel economy is secondary.

What safety features should I look for in a three-row SUV under $40k?

Standard automatic emergency braking, blind-spot monitoring, and rear cross-traffic alert are now common across this class. Look for an IIHS Top Safety Pick+ rating, which the Kia Telluride, Hyundai Palisade, Honda Pilot, Toyota Grand Highlander, Mazda CX-90, and Subaru Ascent all earn.

Sources

• https://www.caranddriver.com/suvs/
• https://www.motortrend.com/
• https://www.edmunds.com/
• https://www.kbb.com/
• https://www.usnews.com/cars
• https://www.iihs.org/
• https://www.fueleconomy.gov/
• https://www.kia.com/
• https://www.hyundai.com/
• https://www.toyota.com/

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