2026 Camry Price & Lease

The sticker map

Five trims, one drivetrain, one price ladder. MSRP climbs LE $29,600, SE $32,100, Nightshade $33,100, XLE $34,800, XSE $36,000 — every trim front-wheel drive standard, with Electronic On-Demand AWD a $1,525 option across the board. Add AWD and the ladder becomes LE $31,125, SE $33,625, Nightshade $34,625, XLE $36,325, XSE $37,525. Every one of those numbers excludes the $1,195 delivery, processing and handling fee, which is separate from MSRP on the Toyota window sticker — worth knowing, because a quote that looks $1,195 higher than what you researched almost always just means delivery is already folded in, not that something changed.

Programs reset monthly — and they stack

Toyota Financial Services rewrites its regional lease and APR programs on a monthly cycle, each with its own published terms and expiration date, and Empire Toyota of Green Brook layers dealer-specific specials over them on the new specials page. Two standing rebates are worth flagging on top of whatever program is live: $500 for recent college graduates and $500 for active military, both stackable with current offers. The dealership's digital tools do a lot of the pre-work before you ever visit — Toyota's SmartPath platform prices real inventory online, the Kelley Blue Book Instant Cash Offer values a trade from your couch, and an online financing pre-approval settles your credit tier in advance.

Buyers consistently mention how much that transparency matters to them. "Christian walked me through every step of the process, checked in with me repeatedly while I worked with Darrin in Financing, and followed up with me in the days after my purchase," wrote one recent Camry buyer, describing how thoroughly the deal was explained before she signed. Another shopper who leased rather than bought credited a fast, clear number: "Vance was able to give me the best deal possible and make my experience leasing a new Camry as easy as possible. Definitely going to send my friends and family to him."

What New Jersey adds on top

The state's 6.625% sales tax applies to a Camry's selling price the same as any other new vehicle — New Jersey's zero-emission sales-tax exemption is reserved for pure battery-electrics, so a Camry hybrid doesn't qualify — plus standard MVC title and registration fees at purchase. From there the math turns friendlier: no separate annual excise tax layered onto registration the way some neighboring states charge, and a brand-new Camry owes no MVC emissions inspection for its first five years. The hybrid's own fuel math helps the total cost of ownership further — 46-51 mpg combined against whatever gas-only sedan it's replacing reshapes a monthly commuting budget on Route 22, I-78, or the Parkway almost immediately.

Lease or buy a Camry here?

The lease case: lower monthly payments, full warranty coverage for the entire term, and a clean exit in two or three years if you like a refresh cycle. The buy case: Camrys are known for strong resale values, the hybrid battery warranty runs a full decade, and Toyota ownership economics tend to shine brightest in the years after a loan is paid off. Both paths are routine business at the store — lease-end buyouts, returns, and replacements happen at the same desk as a new purchase, and repeat customers show up often in the reviews. One financing-desk quote captures the process at its clearest: a recent Camry buyer described her salesperson working "tirelessly to get me a deal that worked best with my budget," ultimately helping her select the 2026 Camry over other options she'd cross-shopped. The honest deciding factors are your annual mileage and how long you typically keep a car — bring both numbers to the conversation.

Five levers that set your actual number

Same trim, different driveways, different payments — the spread almost always comes down to credit tier (advertised programs assume the strongest one), term length and annual mileage, cash down, trade equity, and timing against the current month's programs. Running the KBB Instant Cash Offer before you shop gets your trade number verified in advance, and starting the finance application online answers the credit-tier question before the test drive even happens.

Frequently asked questions

How much does a 2026 Camry cost all-in in New Jersey?

Take the trim MSRP ($29,600-$36,000), add $1,195 delivery, then 6.625% sales tax and MVC title/registration. A front-drive LE pencils out in the low-$32,000s before any program helps; current offers on the specials page push that down further.

Why did Camry pricing change from last year?

It largely didn't — 2026 carries over the pricing structure from the 2025 redesign, with the new Nightshade trim added into the middle of the ladder at $33,100. The base LE MSRP has stayed close to where the hybrid-only redesign set it.

What does it cost to lease a 2026 Camry?

Whatever this month's Toyota Financial Services program builds from your specific inputs — credit tier, term, mileage, money down. Programs expire and reset monthly, so the only honest lease quote is a current one; check the specials page and have the desk price your exact trim and drivetrain.

Is it better to lease or buy in 2026?

Lease if you drive under the annual mileage cap and like refreshing every few years; buy if you keep cars long, since Toyota hybrids reward the years after the payments stop. Strong Camry residuals help both paths — they keep lease payments down and resale values up.

Do hybrids get a tax break in New Jersey?

No — the state's sales-tax exemption is reserved for zero-emission battery-electric vehicles, and the Camry hybrid doesn't qualify. Its financial advantage shows up at the pump instead, every week you drive it.

Can I complete the purchase online?

Nearly all of it. SmartPath prices live inventory, the KBB tool locks in a trade value, and financing pre-approval runs online; you finish with signatures and keys on Route 22 West. Sales is open Monday through Saturday, 9 to 7.

The bottom line

Camry pricing in Green Brook is a fixed ladder plus a moving market: MSRPs anchor the range, New Jersey's flat 6.625% applies the same way it does to any vehicle, and the month's stacked programs — factory, dealer, grad, military — determine how far below the anchor your specific deal lands. Two years of included maintenance and the hybrid's fuel math quietly discount the real total further. Check current offers, bring your five levers, and let the desk assemble this month's best version of your number.