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Used Volvo XC40 for sale near Leonardo, NJ under $40,000

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103 matches 30 miles from 07737
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Est. $400 /mo*
Down Payment
$0
Net trade-in value
$0
Months
72
APR
7.0%
Sales tax
0.0%

Vehicle information

Ext. color: Silver
Int. color: Charcoal
Drivetrain: All-wheel Drive
MPG: 23-30
Fuel type: Gasoline
Transmission: Automatic
Engine: Drive-E 2L I-4 gasoline direct injection, DOHC, variable valve c
Stock #: U3706
VIN: YV4L12UC0S2516583

Features

Convenience: Heated Seats, Keyless Entry, Keyless Start, Navigation System, Power Liftgate, Remote Start
Entertainment: Apple CarPlay®, Bluetooth®, HomeLink, Premium Sound System, USB Port, WiFi Hotspot
Exterior: Alloy Wheels, Sunroof/Moonroof
Safety: Automatic Emergency Braking, Backup Camera, Blind Spot Monitor, Brake Assist, LED Headlights, Lane Departure Warning, Rain Sensing Wipers, Rear Cross Traffic Alert, Stability Control
Seating: Leather Seats, Memory Seat

Reviews

Volvo Cars Manasquan review

Sean and Doug are awesome!

Sean and Doug are awesome! I had a cracked rim on my car which caused my tire to go flat. They squeezed me in a very busy schedule and got the job done. It was a pleasure working with both of them. Highly recommend their service to everyone. Thank you so much. I really appreciate your service. Keep up your excellent customer service.

Vehicle information

Ext. color: Blue
Int. color: Charcoal Leath
Drivetrain: All-wheel Drive
MPG: 23-30
Fuel type: Gasoline
Transmission: Automatic
Engine: Drive-E 2L I-4 gasoline direct injection, DOHC, variable valve c
Stock #: 41661
VIN: YV4L12UJ2S2564990

Features

Convenience: Heated Seats, Heated Steering Wheel, Keyless Entry, Keyless Start, Navigation System, Power Liftgate, Remote Start
Entertainment: Apple CarPlay®, Bluetooth®, Premium Sound System, USB Port, WiFi Hotspot
Exterior: Alloy Wheels, Sunroof/Moonroof
Safety: Automatic Emergency Braking, Backup Camera, Blind Spot Monitor, Brake Assist, LED Headlights, Lane Departure Warning, Rain Sensing Wipers, Rear Cross Traffic Alert, Stability Control
Seating: Leather Seats, Memory Seat

Reviews

Smythe Volvo Cars review

I am extremely happy with the maintenance service and the

I am extremely happy with the maintenance service and the sales department especially Mr Stacy Hopson. I have bring leasing my cars ever since 2016 and I have been very satisfied satisfied with the entire dealership.

Vehicle information

Ext. color: Black
Int. color: Charcoal
Drivetrain: All-wheel Drive
MPG: 22-30
Fuel type: Gasoline
Transmission: Automatic
Engine: Drive-E 2L I-4 gasoline direct injection, DOHC, variable valve c
Stock #: AHP9640
VIN: YV4162UK7L2177001

Features

Convenience: Keyless Entry, Keyless Start, Power Liftgate, Remote Start
Entertainment: Android Auto®, Apple CarPlay®, Bluetooth®, Satellite Radio, USB Port, WiFi Hotspot
Exterior: Alloy Wheels
Safety: Automatic Emergency Braking, Backup Camera, Brake Assist, LED Headlights, Lane Departure Warning, Rain Sensing Wipers, Stability Control
Seating: Leather Seats, Memory Seat

Reviews

DCH Academy Honda review

Good experience,I recommend,, I bought the car of my

Good experience,I recommend,, I bought the car of my dreams tanks Miguel for you help!

2020 Volvo XC40 T5 Momentum review

Nice car.

Very comfortable and easy getting around town after trading my big xxx Mercedes. Display and interaction very easily followed. First Volvo was 1969 that lasted 20 years. Glad to be back in a Volvo.

Vehicle information

Ext. color: Crystal White Pearl
Int. color: Charcoal
Drivetrain: All-wheel Drive
Fuel type: Gasoline
Transmission: Automatic with Geartronic
Engine: 2.0L I4 Turbocharged DOHC 16V LEV3-ULEV70
Stock #: UB1361
VIN: YV4L12UE5S2477104

Features

Convenience: Heated Seats, Keyless Entry, Navigation System, Power Liftgate
Entertainment: Apple CarPlay®, HomeLink, Premium Sound System
Exterior: Alloy Wheels, Sunroof/Moonroof
Safety: Backup Camera, Brake Assist, Rain Sensing Wipers, Stability Control
Seating: Leather Seats, Memory Seat

Vehicle information

Ext. color: Black
Int. color: Black
Drivetrain: All-wheel Drive
MPG: 22-30
Fuel type: Gasoline
Transmission: Automatic
Engine: 2.0L L4 DOHC 16V
Stock #: 96
VIN: YV4162UK2N2759266

Features

Convenience: Heated Seats, Keyless Entry, Keyless Start
Entertainment: Android Auto®, Apple CarPlay®, Bluetooth®, USB Port, WiFi Hotspot
Exterior: Alloy Wheels
Safety: Automatic Emergency Braking, Backup Camera, Blind Spot Monitor, Brake Assist, LED Headlights, Lane Departure Warning, Rear Cross Traffic Alert, Stability Control
Seating: Leather Seats, Memory Seat

Reviews

Torch Light Motors Inc. review

These guys are legends!

These guys are legends! Recently bought a car from them and had the best support in regards of the issues that we’ve been going through. They’d provided a great customer service since the first time we’ve entered their store. Highly recommended due to honesty and reliably.

2022 Volvo XC40 T5 Momentum review

I love my Volvo Xc40. I enjoy free service. Wow!

Excellent vehicle this is my second one. The safety and reliability the Xc40 is unmatched in its class. Volvio salesperson Jose Rodríguez has sold mine both times

Vehicle information

Ext. color: Onyx Black
Int. color: Charcoal
Drivetrain: All-wheel Drive
MPG: 23-30
Fuel type: Gasoline
Transmission: Automatic
Engine: Drive-E 2L I-4 gasoline direct injection, DOHC, variable valve c
Stock #: U3760
VIN: YV4L12UC8S2501202

Features

Convenience: Heated Seats, Keyless Entry, Keyless Start, Navigation System, Power Liftgate, Remote Start
Entertainment: Apple CarPlay®, Bluetooth®, HomeLink, Premium Sound System, USB Port, WiFi Hotspot
Exterior: Alloy Wheels, Sunroof/Moonroof
Safety: Automatic Emergency Braking, Backup Camera, Blind Spot Monitor, Brake Assist, LED Headlights, Lane Departure Warning, Rain Sensing Wipers, Rear Cross Traffic Alert, Stability Control
Seating: Leather Seats, Memory Seat

Reviews

Volvo Cars Manasquan review

This is my 4th Volvo and the service dept.

This is my 4th Volvo and the service dept. is always polite, helpful and trustworthy.

Vehicle information

Ext. color: Crystal White Metallic
Int. color: Charcoal
Drivetrain: All-wheel Drive
MPG: 22-30
Fuel type: Gasoline
Transmission: Automatic
Engine: Drive-E 2L I-4 gasoline direct injection, DOHC, variable valve c
Stock #: U5516
VIN: YV4162UM8N2790426

Features

Convenience: Adaptive Cruise Control, Heated Seats, Heated Steering Wheel, Keyless Entry, Keyless Start, Navigation System, Remote Start
Entertainment: Android Auto®, Apple CarPlay®, Bluetooth®, HomeLink, Premium Sound System, USB Port, WiFi Hotspot
Exterior: Alloy Wheels, Roof Rack, Sunroof/Moonroof
Safety: Automatic Emergency Braking, Backup Camera, Blind Spot Monitor, Brake Assist, LED Headlights, Lane Departure Warning, Rain Sensing Wipers, Rear Cross Traffic Alert, Stability Control
Seating: Leather Seats, Memory Seat

Reviews

Volvo Cars of Manhattan review

Great for both Buying and getting car serviced

I have had a great experience here. The Sales team was extremely patient and did not push us to make a purchase. They made us feel welcome and comfortable. Service is great as well. They always accommodate our requests and respond with an option that is convenient to us. Premm was great. He spoke with me and understood our concerns and provided immediate assistance in making sure that the issues with the car were handled and addressed right away.

2022 Volvo XC40 T5 R-Design review

XC40 SUV gets where you want to go in style

Great commuter car. Adaptive cruise control is better than most. Good mpg. Very attractive. Agile and good is small spaces ( city driving ). Base sound system should have more power.

Vehicle information

Ext. color: Crystal White Pearl
Drivetrain: All-wheel Drive
MPG: 23-30
Fuel type: Gasoline
Transmission: Automatic
Engine: Drive-E 2L I-4 gasoline direct injection, DOHC, variable valve c
Stock #: KU4546
VIN: YV4L12UJXS2473255

Features

Convenience: Heated Seats, Keyless Entry, Keyless Start, Navigation System, Power Liftgate, Remote Start
Entertainment: Apple CarPlay®, Bluetooth®, USB Port, WiFi Hotspot
Exterior: Alloy Wheels
Safety: Automatic Emergency Braking, Backup Camera, Blind Spot Monitor, Brake Assist, LED Headlights, Lane Departure Warning, Rear Cross Traffic Alert, Stability Control
Seating: Memory Seat

Reviews

Northstar Mitsubishi review

Great service from Noel

My review is specifically for Noel! Noel helped me in getting a used car. He was very patient and kind, never too pushy and always went out of his way to make us feel comfortable. He was knowledgeable and always sought help if he needed more information. I definitely recommend Noel as a salesperson if you end up at Northstar Mitsubishi!!! Thanks Noel! (FYI - it’s important to note that the dealership prices their cars quite low and then adds on fees that make them comparable with other dealerships in the area, so just remember that the advertised price is not nearly as close to what you will end up paying.)

Vehicle information

Ext. color: Crystal White
Int. color: Charcoal
Drivetrain: All-wheel Drive
MPG: 23-30
Fuel type: Gasoline
Transmission: Automatic
Engine: Drive-E 2L I-4 gasoline direct injection, DOHC, variable valve c
Stock #: 11552
VIN: YV4L12UJXS2473062

Features

Convenience: Heated Seats, Keyless Entry, Keyless Start, Navigation System, Power Liftgate, Remote Start
Entertainment: Apple CarPlay®, Bluetooth®, USB Port, WiFi Hotspot
Exterior: Alloy Wheels
Safety: Automatic Emergency Braking, Backup Camera, Blind Spot Monitor, Brake Assist, LED Headlights, Lane Departure Warning, Rear Cross Traffic Alert, Stability Control
Seating: Memory Seat

Reviews

Red Bank Volvo Cars review

Andy Cheung - service

I came in with a newly purchased vehicle expecting the worse - like a computer problem but it only needed a tire plug. Andy's calm demeanor and friendly disposition is an asset to the Dealership!

Vehicle information

Ext. color: Silver
Int. color: Charcoal
Drivetrain: All-wheel Drive
MPG: 23-30
Fuel type: Gasoline
Transmission: Automatic
Engine: Drive-E 2L I-4 gasoline direct injection, DOHC, variable valve c
Stock #: U3703
VIN: YV4L12UC1S2498157

Features

Convenience: Heated Seats, Keyless Entry, Keyless Start, Navigation System, Power Liftgate, Remote Start
Entertainment: Apple CarPlay®, Bluetooth®, HomeLink, Premium Sound System, USB Port, WiFi Hotspot
Exterior: Alloy Wheels, Sunroof/Moonroof
Safety: Automatic Emergency Braking, Backup Camera, Blind Spot Monitor, Brake Assist, LED Headlights, Lane Departure Warning, Rain Sensing Wipers, Rear Cross Traffic Alert, Stability Control
Seating: Leather Seats, Memory Seat

Reviews

Volvo Cars Manasquan review

Fast and efficient.

Fast and efficient. Super friendly. Waiting area is super clean and well equipped. Very nice experience.

Vehicle information

Ext. color: Crystal White
Int. color: Charcoal
Drivetrain: All-wheel Drive
MPG: 23-30
Fuel type: Gasoline
Transmission: Automatic
Engine: Drive-E 2L I-4 gasoline direct injection, DOHC, variable valve c
Stock #: U3694
VIN: YV4L12UC4S2507952

Features

Convenience: Heated Seats, Keyless Entry, Keyless Start, Navigation System, Power Liftgate, Remote Start
Entertainment: Apple CarPlay®, Bluetooth®, HomeLink, Premium Sound System, USB Port, WiFi Hotspot
Exterior: Alloy Wheels, Sunroof/Moonroof
Safety: Automatic Emergency Braking, Backup Camera, Blind Spot Monitor, Brake Assist, LED Headlights, Lane Departure Warning, Rain Sensing Wipers, Rear Cross Traffic Alert, Stability Control
Seating: Leather Seats, Memory Seat

Reviews

Volvo Cars Manasquan review

Wonderful experience with Trisha and the whole staff.

Wonderful experience with Trisha and the whole staff. Really appreciated all the help and good conversation!

Vehicle information

Ext. color: Crystal White
Int. color: Charcoal
Drivetrain: All-wheel Drive
MPG: 23-30
Fuel type: Gasoline
Transmission: Automatic
Engine: Drive-E 2L I-4 gasoline direct injection, DOHC, variable valve c
Stock #: U3717
VIN: YV4L12UC7S2499331

Features

Convenience: Heated Seats, Keyless Entry, Keyless Start, Navigation System, Power Liftgate, Remote Start
Entertainment: Apple CarPlay®, Bluetooth®, HomeLink, Premium Sound System, USB Port, WiFi Hotspot
Exterior: Alloy Wheels, Sunroof/Moonroof
Safety: Automatic Emergency Braking, Backup Camera, Blind Spot Monitor, Brake Assist, LED Headlights, Lane Departure Warning, Rain Sensing Wipers, Rear Cross Traffic Alert, Stability Control
Seating: Leather Seats, Memory Seat

Vehicle information

Ext. color: Grey
Int. color: Charcoal Leath
Drivetrain: All-wheel Drive
MPG: 23-30
Fuel type: Gasoline
Transmission: Automatic
Engine: Drive-E 2L I-4 gasoline direct injection, DOHC, variable valve c
Stock #: 41660
VIN: YV4L12UJ5S2569083

Features

Convenience: Heated Seats, Heated Steering Wheel, Keyless Entry, Keyless Start, Navigation System, Power Liftgate, Remote Start
Entertainment: Apple CarPlay®, Bluetooth®, Premium Sound System, USB Port, WiFi Hotspot
Exterior: Alloy Wheels, Sunroof/Moonroof
Safety: Automatic Emergency Braking, Backup Camera, Blind Spot Monitor, Brake Assist, LED Headlights, Lane Departure Warning, Rain Sensing Wipers, Rear Cross Traffic Alert, Stability Control
Seating: Leather Seats, Memory Seat

Reviews

Smythe Volvo Cars review

Can't say enough about Kyle and the overall experience at

Can't say enough about Kyle and the overall experience at Smythe. We had just come off a horrific experience at another dealer (two bad experiences, actually). We were so turned off. But we found this beautiful Audi at Smythe and decided to give it another go. My wife stopped in and met Kyle. He was terrific from the start. All she did was want to see it before the two of us went back. There was no pressure, no "sales-pitch" or anything. Just a nice guy who listened to my wife and her auto buying needs. We went back that night, test drove the car, talked with Kyle (again, "talked", no pressure). He took the time to answer to every question we had and explained everything in detail. It was more of a conversation than a sales transaction. We explained what we were looking for, in terms of deal (money down, monthly payment, etc.). Kyle introduced us to Abood, helped us explain exactly what we were looking for and we were told "No problem. We hear you and will do our best. If it doesn't turn out to be the deal you are looking for, no worries, but we'll call you in the morning." Next day, my wife got the call and the deal we talked about the night before was they deal made happen. No sweat, no stress, no anxiety. We walked in later that afternoon. Car was prepped, big red bow on it, papers ready to sign, and my wife as out of there in under an hour. THANK YOU Kyle, Abood, William (our delivery specialist) and everyone at Smythe. THIS PLACE is our new and only place to go for a car and we will tell everyone!

Vehicle information

Ext. color: Silver
Int. color: Charcoal Leath
Drivetrain: All-wheel Drive
MPG: 23-30
Fuel type: Gasoline
Transmission: Automatic
Engine: Drive-E 2L I-4 gasoline direct injection, DOHC, variable valve c
Stock #: 41651
VIN: YV4L12UC9S2508966

Features

Convenience: Heated Seats, Keyless Entry, Keyless Start, Navigation System, Power Liftgate, Remote Start
Entertainment: Apple CarPlay®, Bluetooth®, HomeLink, Premium Sound System, USB Port, WiFi Hotspot
Exterior: Alloy Wheels, Sunroof/Moonroof
Safety: Automatic Emergency Braking, Backup Camera, Blind Spot Monitor, Brake Assist, LED Headlights, Lane Departure Warning, Rain Sensing Wipers, Rear Cross Traffic Alert, Stability Control
Seating: Leather Seats, Memory Seat

Reviews

Smythe Volvo Cars review

I have been at other dealers on the West Coast and

I have been at other dealers on the West Coast and Midwest , but I can honestly say that Smyth has been the very best. Doug, one of the service advisors was on top of what my Volvo needed to educating me as to what I should & shouldn’t do. My Volvo runs perfectly. Thank you Paul and Smyth. You are great.

Vehicle information

Ext. color: Grey
Int. color: Charcoal Leath
Drivetrain: All-wheel Drive
MPG: 23-30
Fuel type: Gasoline
Transmission: Automatic
Engine: Drive-E 2L I-4 gasoline direct injection, DOHC, variable valve c
Stock #: 41653
VIN: YV4L12UC8S2513253

Features

Convenience: Heated Seats, Keyless Entry, Keyless Start, Navigation System, Power Liftgate, Remote Start
Entertainment: Apple CarPlay®, Bluetooth®, HomeLink, Premium Sound System, USB Port, WiFi Hotspot
Exterior: Alloy Wheels, Sunroof/Moonroof
Safety: Automatic Emergency Braking, Backup Camera, Blind Spot Monitor, Brake Assist, LED Headlights, Lane Departure Warning, Rain Sensing Wipers, Rear Cross Traffic Alert, Stability Control
Seating: Leather Seats, Memory Seat

Reviews

Smythe Volvo Cars review

I saw a car that I was interested in and called the

I saw a car that I was interested in and called the dealership, Smythe Volvo in Summmit. I spoke to a salesmen, Jesus Garcia. I drove to the dealership to see and test drive the care. Jesus was very accommodating. His warm and kind nature made it easy and comfortable in deciding on the car. When we got back to the office I gave an offer and it was excepted. I picked the car up in two days. I thank Jesus and the finance manager for their time in creating a non hostile situation. Special Thanks!

Vehicle information

Ext. color: Grey
Int. color: Charcoal Leath
Drivetrain: All-wheel Drive
MPG: 23-30
Fuel type: Gasoline
Transmission: Automatic
Engine: Drive-E 2L I-4 gasoline direct injection, DOHC, variable valve c
Stock #: 41659
VIN: YV4L12UJ3S2569762

Features

Convenience: Heated Seats, Heated Steering Wheel, Keyless Entry, Keyless Start, Navigation System, Power Liftgate, Remote Start
Entertainment: Apple CarPlay®, Bluetooth®, Premium Sound System, USB Port, WiFi Hotspot
Exterior: Alloy Wheels, Sunroof/Moonroof
Safety: Automatic Emergency Braking, Backup Camera, Blind Spot Monitor, Brake Assist, LED Headlights, Lane Departure Warning, Rain Sensing Wipers, Rear Cross Traffic Alert, Stability Control
Seating: Leather Seats, Memory Seat

Reviews

Smythe Volvo Cars review

Went there to test drive a lovely 2018 Toyota Rav-4.

Went there to test drive a lovely 2018 Toyota Rav-4. Its clear this dealership has a high standard for its used cars. The salesman, Bob Cerza, was wonderful and the test drive was excellent. The initial salesman I was in contact with over email and phone when I placed my inquiry - Ryan Preesada - was also very professional. Honestly, were it not for extenuating circumstances I might have bought that car, but I had some external issues that prevented me from doing so. I just wanted to leave a review to ensure anyone that wants to buy here that, from my experience, this is a dealership with a high bar for customer service and quality of their cars. Will definitely be recommending them in the future

Vehicle information

Ext. color: Silver
Int. color: Charcoal Leath
Drivetrain: All-wheel Drive
MPG: 23-30
Fuel type: Gasoline
Transmission: Automatic
Engine: Drive-E 2L I-4 gasoline direct injection, DOHC, variable valve c
Stock #: 41649
VIN: YV4L12UJ8S2563391

Features

Convenience: Heated Seats, Heated Steering Wheel, Keyless Entry, Keyless Start, Navigation System, Power Liftgate, Remote Start
Entertainment: Apple CarPlay®, Bluetooth®, Premium Sound System, USB Port, WiFi Hotspot
Exterior: Alloy Wheels, Sunroof/Moonroof
Safety: Automatic Emergency Braking, Backup Camera, Blind Spot Monitor, Brake Assist, LED Headlights, Lane Departure Warning, Rain Sensing Wipers, Rear Cross Traffic Alert, Stability Control
Seating: Leather Seats, Memory Seat

Vehicle information

Ext. color: Onyx Black
Int. color: Charcoal
Drivetrain: All-wheel Drive
MPG: 23-30
Fuel type: Gasoline
Transmission: Automatic
Engine: Drive-E 2L I-4 gasoline direct injection, DOHC, variable valve c
Stock #: U3751
VIN: YV4L12UC2S2501387

Features

Convenience: Heated Seats, Keyless Entry, Keyless Start, Navigation System, Power Liftgate, Remote Start
Entertainment: Apple CarPlay®, Bluetooth®, HomeLink, Premium Sound System, USB Port, WiFi Hotspot
Exterior: Alloy Wheels, Sunroof/Moonroof
Safety: Automatic Emergency Braking, Backup Camera, Blind Spot Monitor, Brake Assist, LED Headlights, Lane Departure Warning, Rain Sensing Wipers, Rear Cross Traffic Alert, Stability Control
Seating: Leather Seats, Memory Seat

Vehicle information

Ext. color: Onyx Black
Int. color: Charcoal
Drivetrain: All-wheel Drive
MPG: 23-30
Fuel type: Gasoline
Transmission: Automatic
Engine: Drive-E 2L I-4 gasoline direct injection, DOHC, variable valve c
Stock #: U3767
VIN: YV4L12UC0S2501422

Features

Convenience: Heated Seats, Keyless Entry, Keyless Start, Navigation System, Power Liftgate, Remote Start
Entertainment: Apple CarPlay®, Bluetooth®, HomeLink, Premium Sound System, USB Port, WiFi Hotspot
Exterior: Alloy Wheels, Sunroof/Moonroof
Safety: Automatic Emergency Braking, Backup Camera, Blind Spot Monitor, Brake Assist, LED Headlights, Lane Departure Warning, Rain Sensing Wipers, Rear Cross Traffic Alert, Stability Control
Seating: Leather Seats, Memory Seat

Vehicle information

Ext. color: Onyx Black
Int. color: Charcoal Leath
Drivetrain: All-wheel Drive
MPG: 23-30
Fuel type: Gasoline
Transmission: Automatic
Engine: Drive-E 2L I-4 gasoline direct injection, DOHC, variable valve c
Stock #: 41657
VIN: YV4L12UJXS2561514

Features

Convenience: Heated Seats, Heated Steering Wheel, Keyless Entry, Keyless Start, Navigation System, Power Liftgate, Remote Start
Entertainment: Apple CarPlay®, Bluetooth®, Premium Sound System, USB Port, WiFi Hotspot
Exterior: Alloy Wheels, Sunroof/Moonroof
Safety: Automatic Emergency Braking, Backup Camera, Blind Spot Monitor, Brake Assist, LED Headlights, Lane Departure Warning, Rain Sensing Wipers, Rear Cross Traffic Alert, Stability Control
Seating: Leather Seats, Memory Seat

Volvo XC40 prices by year

Model year Prices from Deals
2026 Volvo XC40 $44,445
2025 Volvo XC40 $26,640 22 Great deals

*Estimated payments are calculated by Cars.com and are for informational purposes only. We’ve estimated your taxes based on your provided ZIP code. These estimates do not include title, registration fees, lien fees, or any other fees that may be imposed by a governmental agency in connection with the sale and financing of the vehicle. Other taxes may apply. They do not represent a financing offer or a guarantee of credit from the seller. Actual terms vary by lender.

**Your Saved Vehicles list will be shared along with your contact information when you submit a vehicle request to a dealership. To opt out of this sharing, please view your options on Cars.com Privacy Notice.

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Used Volvo XC40 by price

Compare the Volvo XC40

Volvo XC40 under $40,000 by city

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