100% Instant Refund Guarantee: 1-click full refund within 14 days if your plan changes.Verified Methodology: NHTSA vPIC & Black Book Wholesale Depreciation Curve
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
$23,800
$23,800
$23,800
Wholesale Auction Acquisition Floor (84%)
$19,992
$19,992
$19,992
OEM 2.5% Holdback & Recon Pack
-$595 Holdback / $850 Recon
-$595 Holdback / $850 Recon
-$595 Holdback / $850 Recon
Target Walk-Away Vehicle Price
$22,731
$22,731
$22,731
State Dealer Documentation Fee
$85 (Statutory Cap)
$150 (State Standard)
$999 (Uncapped Dealer Fee)
Target All-In Out-the-Door (OTD) Offer
$23,478 OTD
$23,351 OTD
$24,181 OTD
Verified Methodology Q&A
Frequently Asked Questions: Toyota Camry vs Honda Accord
What is a fair out-the-door (OTD) price for a 2022 Toyota Camry listed at $23,800?
A 2022 Toyota Camry listed at $23,800 typically includes $2,655 in negotiable gross dealer margin above the $19,992 wholesale acquisition floor. Your target pre-tax vehicle price is $22,731, resulting in an all-in Out-the-Door offer between $23,478 (in capped doc-fee states like California) and $24,181 (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 $19,992 (84% of retail sticker) and retain a 2.5% OEM holdback allowance ($595) plus floorplan credits, creating $2,655 of negotiation spread before hitting their hard cost floor.
