The 1998-2000 BMW 323i Sedan (E46 generation) is a compact executive car powered by a 2.5L inline-six engine producing 168 hp. Reviewers and enthusiasts often praise its smooth performance, comfortable ride, and engaging handling. It is part of the E46 series, which is famous for its timeless design and driving dynamics, but infamous for potential cooling system issues and cracked subframe mounting points on early models. Today, the 323i is a popular and relatively reliable entry-point to BMW ownership, well-suited for enthusiasts looking for a fun, rear-wheel-drive daily driver or project car.
The BMW 323i has an average annual maintenance cost of $717, with common issues including blower fan resistor failure, control arm bushing failure, and various oil/coolant leaks, leading to potentially costly repairs like crankshaft sensor replacement ($161 - $354). Insurance rates are generally higher than the national average.
Affordability Calculator
We have preconfigured our calculator for this vehicle
Why Use This Calculator?
Unlike calculators from banks or dealerships that may encourage overspending, our tool provides neutral, conservative estimates based on proven financial principles. Whether you're financing or paying cash, we help you understand what you can truly afford.
For Loan Financing:
- •Safe Range: Follows the , ensuring you can comfortably afford your car payment
- •Stretch Range: A moderate approach that balances affordability with your goals
- •Lender Max: What banks typically approve, but may strain your budget
For Cash Purchases:
- •Conservative: Uses 5% of net worth, maintaining strong financial reserves
- •Safe: Uses , following the recommended guideline
- •Stretch: Uses 15% of net worth, for when you want to prioritize the car