Coachmen Leprechaun at a glance
| Class | Class C |
|---|---|
| Starting MSRP | $Coachmen lists the Leprechaun from about $$145,000 (lowest floorplan, before options and dealer markup). |
| Length | 28 ft |
| Power | Gasoline |
| Sleeps | 7 |
Gas Class C with a 32-inch TV and a bunk-over-cab. Use the calculator above to turn that sticker price into a real, multi-year ownership number — the only figure worth comparing against renting.
What owning this Class C actually costs
At the default assumptions — 20% down on the $$145,000 starting MSRP, a 7.5% APR 10-year loan, five-year hold, and 35 use-days a year — a Coachmen Leprechaun costs about $$66,015 net over five years, or roughly $$377 per day you actually use it. The biggest swing factors are how many days you camp (double the use-days and the per-day number roughly halves) and your resale outcome (a well-kept rig with low miles keeps far more than a neglected one).
How the math works
The loan payment uses standard amortization: payment = principal × rate ÷ (1 − (1 + rate)^(−months)), where principal is price minus down payment, rate is APR ÷ 12, and months is the term. Resale uses a typical declining-balance curve — about 20% lost in year one, then roughly 8% of the remaining value each year after — so a $$145,000 rig is worth about $$83,102 after five years under the defaults. Net out-of-pocket is:
Down payment + (monthly loan + monthly ownership) × hold months − resale value
Key terms, in plain English
- Principal
- Purchase price minus your down payment — the amount the loan actually covers.
- Monthly ownership cost
- All recurring bills (insurance, storage, maintenance, registration, fuel, campgrounds, misc) divided by 12. Paid whether or not you drive anywhere.
- Resale value
- What the rig is worth at the end of your hold period. Subtracted because you recover it when you sell or trade.
- Net out-of-pocket
- Everything you paid, minus what you got back. The true price of owning.
- Cost per use-day
- Net out-of-pocket ÷ total days used. The fairest ownership-vs-rent comparison.
Where the default numbers come from
The starting MSRP of $$145,000 is the manufacturer’s published figure for the Coachmen Leprechaun; your drive-away price varies by floorplan, options and dealer. The insurance ($$1,400/yr), storage ($$1,200/yr) and maintenance ($$1,300/yr) defaults are typical owner-survey anchors for the Class C class. Campgrounds and fuel are left editable because they scale with how much you travel. Fuel defaults reflect the EIA U.S. average (about $4.08/gal gasoline, $5.35/gal diesel, week of Aug 3, 2026). Data retrieved: 2026-08-18.
Common mistakes that wreck the ownership math
- Ignoring resale. Leaving it out turns a $$145,000 rig into a $$145,000 mistake instead of a net cost you can actually compare.
- Under-counting storage. Many owners forget the $1,200+/year to park a rig they cannot keep at home — especially for a 28-ft Class C.
- Lowballing use-days. Hope says 60 days; reality says 35. The sheet punishes optimism in the cost-per-day line.
- Forgetting fuel and campgrounds. They recur every year you own, not just on trips.
- Comparing sticker to nightly rent. Always compare net ownership cost per use-day against the all-in rental day.
Save, print, or compare rigs
Click Print / Save as PDF to keep a clean Letter-size sheet with your inputs, the ownership breakdown, the disclaimer and a signature line — handy at the dealer or when weighing this Coachmen Leprechaun against another rig. Your inputs auto-save in this browser, so you can model a few favorites and stack the sheets side by side before you buy. Pair it with the RV Total Cost of Ownership Sheet for a blank multi-rig comparison, and the RV Depreciation & Resale Estimator to stress-test your trade-in value.
The starting MSRP is the manufacturer’s published figure for the Coachmen Leprechaun (lowest floorplan, before options, destination and dealer markup) and varies by configuration and region. Insurance, storage, maintenance and depreciation figures are planning estimates from commonly published owner-survey ranges for the Class C class and vary widely by rig, region and condition. Fuel uses the EIA U.S. average (about $4.08/gal gasoline, $5.35/gal diesel, week of Aug 3, 2026). Data retrieved 2026-08-18. This sheet is an informational planning aid, not a quote and not financial, tax, or investment advice. Verify every figure with a licensed RV, finance, or tax professional before buying.