Calculate the wholesale auction floor, dealer reconditioning markup, state sales tax, and walk-away Out-The-Door counter-offer on a used Chevy Equinox 2LT.
Dealer Cost & Out-The-Door Price
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What is a fair out-the-door (OTD) price for a 2022 Chevrolet Equinox listed at $21,900?
A 2022 Chevrolet Equinox listed at $21,900 typically includes $2,586 in negotiable gross dealer margin above the $18,396 wholesale acquisition floor. Your target pre-tax vehicle price is $20,763, resulting in an all-in Out-the-Door offer between $21,623 (in capped doc-fee states like California) and $22,348 (after offsetting uncapped dealer doc fees).
How do state dealer documentation fee caps impact my out-the-door counter-offer?
States like California ($85 cap) and New York ($175 cap) legally restrict dealer documentation fees, whereas uncapped states like Florida ($999 average) allow dealers to pack extra profit into the F&I contract. Always reduce your base vehicle offer dollar-for-dollar by any documentation fee exceeding $175.
How much wholesale margin and OEM holdback does a dealer have in a 2022 Chevrolet Equinox?
Franchise dealers acquire trade-in and auction inventory near $18,396 (84% of retail sticker) and retain a 2.5% OEM holdback allowance ($547) plus floorplan credits, creating $2,586 of negotiation spread before hitting their hard cost floor.
Trim $2,586 in Dealer Markup + Save $4,203 on Your Out-The-Door Price
This car is listed $1,137 above fair market price ($19,314 estimated dealer cost; $12.36/day lot holding cost). Lock in $21,596 all-in US Avg Out-The-Door and watch out for a 2% loan rate markup in the finance office ($950 extra interest).
