Compare used Toyota Camry SE vs XSE wholesale auction floors, dealer reconditioning markups, state sales tax, and walk-away Out-The-Door counter-offers.
Dealer Cost & Out-The-Door Price
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2022 Toyota Camry Out-the-Door (OTD) Price & State Dealer Doc Fee Statutory Benchmark Table
Valuation & Fee Component
California (Capped $85 Doc)
Texas ($150 Doc Benchmark)
Florida (Uncapped $999 Doc)
Dealer Window Asking Sticker
$25,800
$25,800
$25,800
Wholesale Auction Acquisition Floor (84%)
$21,672
$21,672
$21,672
OEM 2.5% Holdback & Recon Pack
-$645 Holdback / $850 Recon
-$645 Holdback / $850 Recon
-$645 Holdback / $850 Recon
Target Walk-Away Vehicle Price
$24,354
$24,354
$24,354
State Dealer Documentation Fee
$85 (Statutory Cap)
$150 (State Standard)
$999 (Uncapped Dealer Fee)
Target All-In Out-the-Door (OTD) Offer
$25,430 OTD
$25,285 OTD
$26,110 OTD
Verified Methodology Q&A
Frequently Asked Questions: Toyota Camry SE vs XSE
What is a fair out-the-door (OTD) price for a 2022 Toyota Camry listed at $25,800?
A 2022 Toyota Camry listed at $25,800 typically includes $3,145 in negotiable gross dealer margin above the $21,672 wholesale acquisition floor. Your target pre-tax vehicle price is $24,354, resulting in an all-in Out-the-Door offer between $25,430 (in capped doc-fee states like California) and $26,110 (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 Toyota Camry?
Franchise dealers acquire trade-in and auction inventory near $21,672 (84% of retail sticker) and retain a 2.5% OEM holdback allowance ($645) plus floorplan credits, creating $3,145 of negotiation spread before hitting their hard cost floor.
Save $4,692 Off the Dealer's First Quote ($3,145 Markup Over Dealer Cost)
We estimate the dealer's true cost on this 2022 Toyota Camry is $22,655 ($21,905 what the dealer likely paid at auction + $750 reconditioning; plus $14.49/day in lot holding costs). Offer $23,334 for the car ($25,261 all-in US Avg Out-The-Door price) and say no to $1,495 in dealer add-ons.
