A loaded one will go for about $22k and a not so loaded one will go for about $20k both with the 4wd and auto. Try to haggle the dealer down $2000-3000 off the MSRP or buy the car at $50 over invoice. It always works! Car business is SLOW so take advantage of it this year... I just bought my 03' highlander V6 NEW from the dealer for $23500! Sticker is a lil' over $27,000. I got a great deal! I also helped my friend by his Honda Element LOADED to the max and we only paid $50 over invoice which was $20,500 + tax and all that other junk!