2016 Volvo XC90 T5 Momentum

Owners selling privately get 15% to 23% less than dealers ask for the same trim, year and mileage. The low end is how the big pricing guides value a private sale (what buyers pay dealers, less a private-party discount); the high end is what private sellers’ asking prices and private-party sales show. A trade-in usually fetches less still.

Priced as Momentum: 22 of the 22 cars we’ve seen with this VIN pattern are. Median of the 12 asking prices of this trim & year closest in mileage (85k mi–130k mi), each moved to 108k mi ($13,007 nationally), its history (No accidents +0.1%) and where it is (Texas −2.0%).

Accident, owner and title flags as reported in listings — not a full vehicle history report.