Ownership cost is the number nobody puts on the listing page. Here are ClearProp's standard annual estimates across five common owning profiles, at 100 hours/year.
Cessna 172 (classic trainer) Annual at 100 hours flown: **$12,622** (estimate, not a quote)
- Fuel & oil (9 gph): $4,950/yr
- Annual inspection: $2,100/yr
- Engine reserve (Lycoming O/IO-320): $1,042/yr
- Insurance (hull + liability): $330/yr
- Hangar / tie-down: $4,200/yr
Piper PA-28-181 Archer Annual at 100 hours flown: **$12,897** (estimate, not a quote)
- Fuel & oil (9.5 gph): $5,225/yr
- Annual inspection: $2,100/yr
- Engine reserve (Lycoming O/IO-320): $1,042/yr
- Insurance (hull + liability): $330/yr
- Hangar / tie-down: $4,200/yr
Beechcraft Bonanza F33A Annual at 100 hours flown: **$16,432** (estimate, not a quote)
- Fuel & oil (14 gph): $7,700/yr
- Annual inspection: $3,000/yr
- Engine reserve (typical 4-cyl piston): $1,042/yr
- Insurance (hull + liability): $490/yr
- Hangar / tie-down: $4,200/yr
Cirrus SR22 Annual at 100 hours flown: **$17,975** (estimate, not a quote)
- Fuel & oil (13.5 gph): $7,425/yr
- Annual inspection: $3,800/yr
- Engine reserve (Lycoming (T)IO-540): $1,900/yr
- Insurance (hull + liability): $650/yr
- Hangar / tie-down: $4,200/yr
Mooney M20J Annual at 100 hours flown: **$14,287** (estimate, not a quote)
- Fuel & oil (10.5 gph): $5,775/yr
- Annual inspection: $2,800/yr
- Engine reserve (typical 4-cyl piston): $1,042/yr
- Insurance (hull + liability): $470/yr
- Hangar / tie-down: $4,200/yr
How to use this
Compare the estimate line with the monthly financing payment on any listing, and with hangar/insurance realities in your area. When you're deep on one candidate, the listing page's ownership tab computes it for that specific aircraft (year, engine type, storage).
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Estimates from ClearProp's standard cost model — planning figures, not quotes. Fuel/oil assumptions and regional hangar/insurance vary.