Tax credit shouldn’t be included as it is inconsistently hard to get, and not available across all markets.
Checking Honda dealership near me, g there are configured CRVs that can be driven off the lot for $35k, without even considering that you can almost always haggle for good dealer markdowns on ICE cars but not EVs.
Ignoring tax credits, EVs were cheaper to comparable ICE vehicles when I did my calculation earlier this year after factoring fuel savings. But that is, admittedly, going to depend on the individual person's driving habits and fuel prices in their area, as well as their electricity prices. We drive a decent amount, our fuel prices are high, and our electricity prices are low, so we were close to the perfect combination of factors for EV. That is likely not the case everywhere.
For me, that ended up being ~$100/month which was decidedly more than the increase in monthly payment. And that's ignoring that the savings continue beyond the end of the payments.
It's also ignoring used vehicle prices. When I looked, and again, in my area, the difference in price between used vehicles was larger than in new.
Checking Honda dealership near me, g there are configured CRVs that can be driven off the lot for $35k, without even considering that you can almost always haggle for good dealer markdowns on ICE cars but not EVs.