Well not sure what kind of 4 wheel drive you want or need. We have a Honda CRV and it’s great in the snow. Got me through 2015. We got it new that year, but I’m sure you can find something fairly new at that price, if you’re not caring too much about a big vehicle. Also as others said, look into leasing. I’m not sure how many miles you drive a day, but easy guessing will have you figure out if leasing is good for you.