Quick Answer
For 2026, the Ford F-150 XLT gets body-color bumpers and 18-inch painted aluminum wheels, with its chrome trim moved into an optional package. The 2026 Lariat now comes standard with the 3.5L EcoBoost V6, and the 5.0L V8 is optional. For most Bowdle-area buyers, we recommend the Lariat.
If you're comparing a 2026 XLT and Lariat against a 2025, the two trims don't line up the way they used to. Ford moved chrome off the XLT, put a different engine under the Lariat's hood, and shuffled several features between equipment groups.
This guide covers only what changed for 2026 and where the XLT equipment groups end and the Lariat begins, then makes a call on which to buy. For a plain overview of every trim from XL to Raptor, start with our 2026 F-150 trim levels guide.
On This Page
- What changed on the 2026 F-150 XLT?
- What changed on the 2026 F-150 Lariat?
- What are the 2025-to-2026 changes, side by side?
- Where do the XLT equipment groups stop and the Lariat start?
- Does XLT or Lariat change what the truck can tow?
- Is a King Ranch or Platinum base group a better buy than a loaded Lariat?
- Which should you buy: the 2026 XLT or the 2026 Lariat?
What changed on the 2026 F-150 XLT?
The 2026 XLT looks different before you open a door. Chrome bumpers became body-color bumpers, the standard 4x4 wheel changed from an 18-inch chrome-like PVD finish to 18-inch painted aluminum, and the chrome trim most 2025 XLTs carried now comes in an optional appearance package.
- Body-color front and rear bumpers are standard. In 2025 the XLT came with chrome bumpers.
- 18-inch painted aluminum wheels on every XLT 4x4. They replace the 18-inch chrome-like PVD wheel. A 4x2 XLT on the entry equipment group keeps a 17-inch silver painted aluminum wheel.
- The chrome moved into a new optional package. On a 2025 XLT, the bright step bars, chrome door handles, chrome exhaust tip and chrome grille bar came with every equipment group above the entry one. For 2026 they're bundled in an optional chrome appearance package with 20-inch chrome-like PVD wheels, chrome bumpers and a black mesh grille with a chrome center bar. It's included on the top XLT group and can't be combined with the XLT black appearance packages.
- The 3.5L EcoBoost® V6 is standard on the XLT SuperCrew 4x4 with the 6.5-foot box. That truck came with the 5.0L V8 in 2025. Other XLTs still start with the 2.7L EcoBoost V6.
- Connectivity changed. The Ford Connectivity Package now comes with one year included, covering a Wi-Fi hotspot and, on the upper XLT equipment groups, connected navigation. It replaces 2025's three-month Wi-Fi trial.
- BlueCruise can be bought once. On the upper XLT equipment groups, BlueCruise hands-free driving is optional with a one-year-plus-90-day plan or a new one-time purchase that keeps the service active for at least 7 years.
- New colors. Argon Blue Metallic, Ruby Red Metallic Tinted Clearcoat and the returning Avalanche are on the 2026 XLT color list. Atlas Blue, Rapid Red and Space White are gone.
Two 2026 XLTs can look very different, so if the chrome look matters to you, check the window sticker for the package, not the trim badge.
What changed on the 2026 F-150 Lariat?
The biggest 2026 Lariat change is under the hood: the 3.5L EcoBoost V6 replaced the 5.0L V8 as the standard engine, and the V8 moved to the options list. A few comfort features also moved from standard into the upper Lariat equipment groups.
- 3.5L EcoBoost standard, 5.0L V8 optional. If you want a V8 Lariat, you can still get one. It's now an option you order, not the default. The 3.5L PowerBoost™ Full Hybrid V6 is available on the upper Lariat groups.
- Power-adjustable pedals with memory are no longer standard. They come with the upper Lariat equipment groups for 2026.
- The head-up display is now optional on the top Lariat group. In 2025 it was included.
- The entry Lariat rides on 18-inch painted aluminum wheels, the same new wheel the XLT 4x4 gets. The upper Lariat groups move to 20-inch chrome-like PVD wheels.
- BlueCruise stays standard as a 90-day trial, now with the option of a one-year-plus-90-day plan or the one-time purchase.
- New colors. Argon Blue, Avalanche and Ruby Red join the list, and Marsh Gray is no longer limited to the upper Lariat groups.
The 3.5L EcoBoost is the engine behind the F-150's highest conventional tow rating, and every 2026 Lariat now starts with it. The full engine-by-engine comparison lives in our 2026 F-150 engine options guide.
What are the 2025-to-2026 changes, side by side?
Use this table to compare a 2026 window sticker against a 2025 trade-in or used truck.
| Item | 2025 F-150 | 2026 F-150 |
|---|---|---|
| XLT bumpers | Chrome | Body-color |
| XLT 4x4 standard wheel | 18-in chrome-like PVD | 18-in painted aluminum |
| XLT chrome step bars, handles, exhaust tip, grille bar | On every group above the entry XLT | Optional chrome appearance package; included on the top XLT group |
| XLT SuperCrew 4x4, 6.5-ft box, standard engine | 5.0L V8 | 3.5L EcoBoost V6 |
| Lariat standard engine | 5.0L V8 | 3.5L EcoBoost V6 (5.0L V8 optional) |
| Entry Lariat wheel | 18-in chrome-like PVD | 18-in painted aluminum |
| Lariat power pedals with memory | Standard | Upper Lariat groups |
| Lariat head-up display | Included on the top group | Optional on the top group |
| BlueCruise purchase options | Subscription plans | Plans plus a one-time purchase (at least 7 years of service) |
| Connectivity | 3-month Wi-Fi trial | Ford Connectivity Package, 1 year included |
| Colors | Atlas Blue, Rapid Red, Space White | Those three dropped; Argon Blue, Ruby Red and Avalanche added |
One more change worth knowing if you load the bed: the optional Bed Utility Package on the XLT and the entry Lariat now includes bed storage boxes, along with the Tailgate Step, Tailgate Work Surface, four tie-down plates and LED box lighting.
Where do the XLT equipment groups stop and the Lariat start?
The upper XLT equipment groups close most of the technology gap with the Lariat. What the Lariat adds is mostly comfort: heated and ventilated seats with memory, a premium stereo, better headlamps and a set of driver conveniences that are standard instead of optional.
| Feature | Entry XLT groups | Upper XLT groups | Lariat |
|---|---|---|---|
| Ford Co-Pilot360™ Assist 2.0 (360-degree camera, adaptive cruise with Lane Centering and Stop-and-Go) | No | Yes | Standard |
| Pro Trailer Backup Assist™ and Pro Trailer Hitch Assist™ | No | Yes | Standard |
| Front seats | Cloth; 8-way power driver from the second group | Heated front seats, remote start, push-button start | ActiveX™ heated and ventilated, with memory |
| Pro Power Onboard™ 400 W (cab and bed) | Optional on the second XLT group (Mobile Office Package) | Yes | Standard |
| BlueCruise | Not offered | Optional | Standard 90-day trial |
| Audio | 7 speakers | B&O® 8-speaker on the top XLT group | B&O 8-speaker; B&O Unleashed 14-speaker on the top Lariat group |
| Headlamps, mirrors, wipers, wheel | Standard XLT | Standard XLT | LED projector headlamps with dynamic bending, power-folding mirrors, rain-sensing wipers, heated steering wheel |
| Cab choices | SuperCab or SuperCrew | SuperCrew only | SuperCrew only |
- An upper-group XLT is worth it if you want the trailer tech, the 360-degree camera and heated seats, and you don't care about cooled seats, memory settings or the premium stereo.
- An entry XLT is worth it if you want a simpler truck, a SuperCab, or the 2.7L EcoBoost, and you'll back up a trailer the old-fashioned way.
- The Lariat is worth it if you spend long days in the seat, want ventilated seats for harvest-season heat and a heated wheel for January, or want BlueCruise without building an XLT up to get it.
For how SYNC® 4, the 12-inch center screen and Ford's driver-assist features work day to day, see the 2026 F-150 technology guide.
Does XLT or Lariat change what the truck can tow?
Not directly. For the XLT and Lariat, Ford's ratings follow engine, cab, box, axle and equipment, not the trim badge. An XLT and a Lariat with the same 3.5L EcoBoost, SuperCrew 4x4 and 6.5-foot box share the same rating: up to 13,500 lbs when properly equipped with the Tow/Haul Package and Max Tow Axle.
Trim does decide which towing equipment you can get. Three 2026 details trip people up:
- The new 18-inch painted aluminum wheel rules out the Max Tow Axle. Ford doesn't offer the Max Tow Axle with that wheel, and it's the standard wheel on the XLT 4x4 and the entry Lariat. If you're shopping for a truck rated over 11,600 lbs, look for one on a different wheel.
- The Max Tow Axle isn't offered on the entry XLT group, and the Tow/Haul Package isn't offered with the 2.7L EcoBoost at all. A 2.7L XLT can add the stand-alone Integrated Trailer Brake Controller instead.
- Pro Trailer Backup Assist comes with Co-Pilot360 Assist 2.0, which means the upper XLT groups or any Lariat. If you back a stock trailer or a boat by yourself, that's often the feature that decides the trim.
Gas F-150s towing over 11,600 lbs need both the Tow/Haul Package and the Max Tow Axle. Every rating by engine and configuration is in our 2026 F-150 towing guide, and the payload guide explains why the door-jamb label, not the trim, tells you what your truck can carry.
Is a King Ranch or Platinum base group a better buy than a loaded Lariat?
Sometimes. For 2026, Ford added a new entry equipment group to both the King Ranch® and the Platinum®, and those base groups give up some features that came standard on every 2025 King Ranch and Platinum. Compare them line by line against an upper-group Lariat before you assume the higher badge means more truck.
- What the base King Ranch gives up: power-deployable running boards (6-inch extended running boards instead), the 14-speaker B&O Unleashed (8-speaker B&O instead) and multicontour seats with Active Motion®, which move to the upper King Ranch group. The Twin Panel Moonroof becomes an option, and the head-up display is optional on the upper King Ranch group.
- What the base King Ranch still includes: the Tow/Haul Package, Bed Utility Package and Mobile Office Package as standard, heated rear seats, a power tilt-and-telescoping column with memory, and a one-year-plus-90-day BlueCruise plan.
- What the base Platinum gives up: power-deployable running boards and multicontour seats, which start one group higher. The base Platinum still includes the Tow/Haul, Bed Utility and Mobile Office packages and the same BlueCruise plan.
If the Tow/Haul Package and a heated back seat are on your list anyway, a base King Ranch deserves a look next to a top Lariat. We don't stock King Ranch or Platinum F-150s in Bowdle, so contact us and we'll help you compare and order the right build.
Which should you buy: the 2026 XLT or the 2026 Lariat?
If the truck is your daily driver and does any towing, buy the Lariat. If it's a working truck that has to stay simple, or you want a SuperCab or the 2.7L EcoBoost, the XLT is the better fit.
Our Recommendation
For families and dual-duty ranch owners around Bowdle, we recommend the 2026 F-150 Lariat SuperCrew 4x4. It now comes standard with the 3.5L EcoBoost V6, the engine behind the F-150's top 13,500-lb conventional rating when properly equipped, plus Pro Trailer Backup Assist, heated and ventilated seats and a BlueCruise trial without building up an XLT.
| Best for | Pick | Why |
|---|---|---|
| Family truck that also tows a camper or boat | Lariat SuperCrew 4x4 | 3.5L EcoBoost standard, trailer tech and comfort standard |
| Long highway days, sales calls, away games | Lariat | Ventilated seats with memory, heated wheel, BlueCruise trial |
| Ranch truck that backs trailers solo | Upper-group XLT or Lariat | Pro Trailer Backup Assist and 360-degree camera |
| Hired-hand or parts-run truck | Entry XLT | Simpler equipment, SuperCab available |
| Buyer who wants a V8 | XLT or Lariat, ordered | The 5.0L V8 is optional on both for 2026 |
Check our current F-150 inventory before you decide, and drive whichever trim is here. If the truck you want is not, contact us and we'll check availability or help you order the equipment group you want. You can also see how both trims sit in the full lineup in the complete 2026 Ford F-150 overview.
From the Beadle Ford Lot
The XLT-or-Lariat question on our lot usually comes down to how many hours a week someone spends in the seat. Buyers who put on long two-lane miles for work, games and trips to Aberdeen tend to land on the Lariat. Buyers whose truck mostly stays on the place tend to stay with an XLT.
Key Takeaways
- The 2026 XLT trades chrome bumpers and 18-inch chrome-like wheels for body-color bumpers and 18-inch painted aluminum; chrome is now an optional package.
- The 2026 Lariat comes standard with the 3.5L EcoBoost V6; the 5.0L V8 is optional on both XLT and Lariat.
- Between XLT and Lariat, trim doesn't set the tow rating, but the 18-inch painted aluminum wheel rules out the Max Tow Axle needed above 11,600 lbs.
- The upper XLT groups add Pro Trailer Backup Assist and the 360-degree camera; the Lariat adds ventilated seats with memory, B&O audio and a BlueCruise trial as standard.
Frequently Asked Questions
Quick Answers: 2026 F-150 XLT vs. Lariat
One-line answers to the follow-up questions buyers ask next.
What is the standard engine on the 2026 Lariat? The 3.5L EcoBoost V6.
What is the standard engine on most 2026 XLTs? The 2.7L EcoBoost V6, except the XLT SuperCrew 4x4 with the 6.5-foot box, which gets the 3.5L EcoBoost.
What wheels does a 2026 XLT 4x4 come with? 18-inch painted aluminum wheels.
Does the Lariat have ventilated seats? Yes, ActiveX heated and ventilated front seats with memory are standard.
Is BlueCruise standard on the Lariat? It comes standard as a 90-day trial, with a plan or one-time purchase available after that.
Is BlueCruise offered on the entry XLT? No, only on the upper XLT equipment groups.
Does an XLT or Lariat badge change the tow rating? No, engine, axle, cab, box and equipment set the rating for both.
Which 2026 colors are new on the XLT and Lariat? Argon Blue Metallic, Ruby Red Metallic Tinted Clearcoat and the returning Avalanche.
Keep Researching
The complete 2026 Ford F-150 overview: engines, towing, trims, technology and winter driving in one place
2026 Ford F-150 Trim Levels Explained: what every trim from XL to Raptor is built for
2026 F-150 SuperCrew vs. SuperCab and Bed Lengths Explained: the cab and box choices behind each trim
2026 F-150 Towing Guide: every rating by engine, axle and hitch type
My Take on the 2026 F-150 XLT vs. Lariat
The 2026 changes make the Lariat an easier call than it used to be. The 3.5L EcoBoost is standard, and so are the trailer tech and the comfort features people end up wanting after their first winter of early mornings and their first summer of harvest heat. In my experience, the buyers who regret a trim are usually the ones who saved on the seat they sit in every day.
That doesn't make the XLT the wrong truck. An entry XLT is still the honest choice for a truck that hauls posts and parts and doesn't need anything fancy.
If you're torn, come see us and tell us how you use your truck. We'll show you what each XLT group adds so you can decide what's worth it to you.
About the Author
Lexy Tabbert — Beadle Ford, Bowdle, SD
Lexy Tabbert is the Director of Sales and Marketing at Beadle Ford in Bowdle, South Dakota. She covers Ford vehicles, trim comparisons, and buyer guidance — helping families, ranchers, and ag operators across the region find the right truck and configuration for their needs. Learn more about Lexy.