Vacuum Truck Monthly Payment: Hydrovac Tables, $100K to $600K

What is the monthly payment on a vacuum truck?

On a $150,000 vacuum truck with 10% down over 60 months, the math works out to about $2,800 a month at a 9% estimated APR and about $3,070 at 13%. A $400,000 hydrovac on the same terms runs about $7,470 to $8,190 a month. These are illustrations, not quotes: Ironmark is not a lender and does not set rates, and the rate you are offered depends on the lender, your business and the truck.

The rest of this page does two things. First, it ties each price level to real trucks listed or sold in 2026, so you can see what $100,000 buys versus $400,000. Second, it gives the full payment tables from $100,000 to $600,000 at 48, 60 and 72 months.

What do vacuum trucks and hydrovacs cost right now?

Used septic and combination trucks are listed around $85,000 to $110,000, a new 2,500 gallon septic truck is listed at $166,500, used hydrovacs from 2022 to 2023 are listed near $400,000, and a city hydro excavator contract in 2026 was approved for up to $731,776 plus taxes. The table below shows each figure with its source and the date we checked it.

Two smaller reference points help explain the bottom of the market. Cedar City, Utah scheduled a Ditch Witch HX20G hydro excavation trailer at $53,323.55 on its August 19, 2026 work meeting agenda, and Collin County, Texas approved a mud hydro-vac trailer at $153,735.39 in a February 11, 2026 memo. Trailers are a different machine from a truck-mounted hydrovac, but they show why "hydrovac" can mean anything from about $50,000 to well over $700,000.

For a deeper price breakdown by brand and age, see the hydrovac truck cost guide, and for septic trucks by tank size, the septic pump truck cost guide.

Which price level matches which truck?

Roughly, $100,000 buys an older septic or combination truck, $150,000 to $200,000 a new septic truck or a used 5,000 gallon vacuum truck, and $400,000 and up a late-model hydrovac. Use the price you are actually negotiating, then find its row in the tables below. Based on the listings and sales above, the price levels line up roughly like this:

• $100,000: an older or high-mileage septic truck, or a used combination sewer cleaner (the $85,900 International MV and the $109,950 Freightliner 114SD above).
• $150,000 to $200,000: a new 2,500 gallon septic truck ($166,500 asking price) or a used 5,000 gallon vacuum tanker ($185,000 asking price).
• $300,000: a late-model used Kenworth T880 vacuum truck at auction, like the 2019 unit that sold at auction for $280,000 in September 2026.
• $400,000: a 2022 to 2023 used hydrovac from a dealer ($399,900 and CAD $570,000 asking prices above).
• $500,000 to $600,000: newer or higher-spec hydrovacs. New truck-mounted units can cost more than $600,000, as the Bellevue contract shows; if your price is higher, the $600,000 rows still help, and each extra $100,000 of price adds roughly one sixth of the $600,000 payment.

If you are shopping across body types, the vacuum trucks buying guide covers tank size, pump type and what to inspect.

What are the payments on a $100,000 to $200,000 vacuum truck?

At $100,000 the payment ranges from about $1,620 to $2,410 a month, and at $200,000 from about $3,240 to $4,830, depending on term and estimated APR. Each row assumes 10% down with the rest financed at an estimated APR of 9% or 13% over 48, 60 or 72 months, payments rounded to the nearest $10, with taxes, fees and insurance excluded.

These are illustrations of the loan math, not quotes or offers. Ironmark does not set rates and is not a lender; a lender sets the actual rate, term and down payment.

What are the payments on a $300,000 to $600,000 hydrovac?

A $400,000 hydrovac works out to about $6,490 to $9,660 a month, and a $600,000 unit to about $9,730 to $14,490 a month, depending on term and estimated APR. Each row assumes 10% down with the rest financed at an estimated APR of 9% or 13% over 48, 60 or 72 months, payments rounded to the nearest $10, with taxes, fees and insurance excluded.

Again, these are illustrations, not quotes. Ironmark does not set rates and is not a lender. Sales tax, title, registration, documentation fees and insurance are not in these numbers and can add meaningfully to what you pay up front or each month.

Should you pick a 48, 60 or 72 month term?

A longer term lowers the monthly payment but raises the total interest. On a $400,000 hydrovac at a 9% estimated APR with 10% down, stretching from 60 to 72 months drops the payment from about $7,470 to about $6,490, but total interest rises from about $88,380 to about $107,220 over the life of the loan.

A few practical points for vac and hydrovac owners:

• Match the term to the truck's working life. A hydrovac that will run hard for years can justify a longer term. An older septic truck that needs a tank or pump rebuild soon is a poor fit for a long term, because you could still be paying when the big repair bill arrives.
• Plan around seasonal work. Hydro excavation and septic pumping can slow in winter in cold regions. Size the payment to your slow months, not your best month.
• Watch the gap between the 9% and 13% rows. On a $500,000 truck over 60 months, the difference is about $900 a month ($9,340 versus $10,240). That gap is why your credit file and the truck you pick matter.
• More down lowers every row. These tables assume 10% down. Putting more down shrinks the financed amount, and the payment falls in direct proportion to it.

What changes the rate a lender offers on a vacuum truck or hydrovac?

Lenders price each deal on the business and the truck, so there is no single rate for vacuum trucks. Ironmark connects you with third-party lenders; those lenders make the credit decision and set the rate and terms.

Things lenders commonly weigh on this equipment include time in business, business and personal credit, cash flow from your bank statements, and whether you have run vacuum or hydro excavation work before. On the truck side, they look at age, mileage and hours, the body builder and pump, and whether the seller is a dealer, an auction or a private party. Contracts with utilities, municipalities or general contractors can help show where the payments will come from. For a fuller list, see what lenders look at.

Buying at auction changes the timeline, because you usually have to pay within days of the sale. If you are bidding on a unit like the T880s above, read how auction equipment financing works before the sale, not after.

How do you use these tables for your own truck?

Start with the price on the listing or invoice, find the closest row, and read across to the term you want. If your price falls between rows, the payment falls between them too, in proportion. For example, the $185,000 asking price on the 2019 Kenworth T880 vacuum tanker sits between the $150,000 and $200,000 rows, so at 60 months and a 9% estimated APR expect a payment between about $2,800 and $3,740, closer to the top.

Then add what the tables leave out: sales tax, registration, insurance on a heavy truck, and any upfit such as a boiler for winter hydro excavation or a new pump. Ask the lender to quote the payment on the full amount you plan to finance.

What should you have ready for a quote?

Have these ready and a lender can quote faster:

• The listing or dealer invoice with year, chassis make and model, mileage, and VIN
• Body builder, tank size in gallons or debris yards, and pump or blower model (and boiler, if it is a hydrovac)
• For auction units, the lot number, sale date and payment deadline
• Your down payment amount and the term you want (48, 60 or 72 months)
• Business name, time in business, and the last few months of business bank statements
• The type of work the truck will do: septic pumping, sewer cleaning, industrial vac, or hydro excavation for utilities or contractors
• Any trade-in, with year, mileage and payoff

Ready to price a specific truck? Start on the vacuum truck financing page, or hydrovac truck financing for hydro excavators.