If you are in a hurry and just want to find out what the best mountain bike under 500 dollar is, then I recommend the Schwinn Bonafied Mountain Bike as the best one.
Though heading out through the mountains on a road bike is a great experience, but to really interact with nature, you have to go off-road.
A mountain bike is your best choice for going off-road on two wheels. They can be expensive, but they don’t have to be.
To show you what to expect, I’ve compiled a general guide to find the best cheap mountain bike and added reviews of five models for comparison.
In this article I’m going to review the following mountain bikes under 500 dollar:
- Schwinn Protocol 1.0 Men’s Dual-Suspension Mountain Bike
- Schwinn Bonafide Mountain Bike
- Head Rise 29” Mountain Bike
- 2018 Gravity FSX 2.0 Dual Full Suspension Mountain Bike
- Schwinn Traxion Mountain Bike
Buying Guide to Find the Best Cheap Mountain Bike
To make a qualified choice between one mountain bike and another, there are several features to compare and four questions that you will want to ask yourself to narrow it down.
Here are those four questions and their answers.
What are the advantages of a mountain bike?
The main advantage of a mountain bike over a road bike is its ability to take more abuse without breaking down.
Like road bikes, mountain bikes are lightweight and geared for climbing and acceleration, but that’s where the two part ways. Mountain bikes also add lateral stiffness and do a better job of absorbing vibrations along with sudden jars.
They tend to be equipped for getting better traction on various types of off-road terrain and perform better in less than ideal conditions.
What are the various classes of mountain bikes?
Different people have different definitions for a mountain bike. Part of defining mountain bikes relates to what sort of terrain a person is riding.
There are four classes of mountain bikes. Each class includes distinguishing features and is valued for different types of terrain and uses.
The most common distinguishing features between them are suspension travel, which measures the amount of movement offered by the bike’s front and rear suspension, and head-tube angle.
A shallower head-tube angle provides greater stability in turning and a steeper head-tube angle improves climbing.
The most common mountain bike is the trail bike. Trail bikes are not designed for any type of racing or competition.
Their main purpose is more casual with fun and efficiency being of more value.
However, casual doesn’t mean that these bikes are wimpy. Common features on trail bikes are:
- 120mm to 140mm suspension travel.
- 67º to 69º head-tube angle.
These bikes aren’t as tight and are built for stability more than for aggressive climbing. A trail bike will get you there and back, but their performance features make them less than ideal for competition.
Cross-country bikes are mountain bikes that are built for competition. Their strength is in faster riding and rapid climbing.
These bikes tend to carry their riders greater distances with a greater amount of performance efficiency. The distinguishing features of this bike include:
- 80mm to 100mm of suspension travel.
- 70º to 71º head-tube angle.
If you want to get competitive in mountain biking, then this is the bike you’re looking for.
This type of bike is for those who live a little bit more on the edge than the average mountain biker. This type of trail riding focuses on bigger, leg-burning ascents and longer, thrill-enhanced descents.
These bikes require more technical skill to ride and are lighter and more nimble. They feature:
- 140mm to 170mm of suspension travel.
- 65º to 68º head tube angle.
If you plan to take mountain biking to the extreme, then this is the bike for you.
Fat tire bikes sort of break the rules as far as the distinguishing features above. Their main superpower is providing phenomenal traction in sand, snow or mud.
They are distinguished by fat tires measuring between 3.7” to 5” (or more) in width.
They are great for beginners because they provide greater stability and are more forgiving, but experienced riders also love them because they allow them to ride over terrain that would bring other bikes to a screeching hault.
What features should you look for in a mountain bike?
Several features should be in mind when comparing mountain bikes. The first two, wheel size and suspension type, are the most important features associated with the type of terrain your bike will handle.
However, frame material, gearing and brakes are also important features for comparison as well.
There are two extremes in mountain bike wheel sizes and one size that creates middle ground between them. The difference is how they roll over rough terrain. They include:
- 26 inches (26ers), which are less smooth on rough terrain.
- 27.5 inches, which roll a bit smoother than 26ers.
- 27.5+ inches, which are the same wheel diameter, but have tire width in excess of 2.8”
- 29 inches (29ers), which provide the smoothest ride.
26ers are less popular than they once were, because they aren’t as smooth to ride. 29ers tend to be the preferred choice of cross-country bikers, because they are more efficient for long rides.
The vast majority of mountain bikes fall in between these two extremes.
Suspension types are another factor to compare when choosing a mountain bike in any of the four classes.
There are three different types of suspension and each one has advantages and disadvantages for various types of terrain and usage.
- Rigid. A rigid bike is a bike that has no suspension system of any kind. These are not very common among the majority of mountain bikes. However, rigid frames are found among those who ride fat bikes, because the wider tires provide shock absorption on the trail. Rigid bikes are easier to maintain and are less expensive.
- Hardtail. This style of suspension provides suspension in the fork (the front of the bike), while leaving the rear of the bike rigid. This allows for shock absorption for better steering control, but limits the amount of maintenance a full-suspension requires. Most hardtails allow you to lock out the suspension on the front fork to make the bike fully rigid when desired. This is the most common suspension on mountain bikes of all classes because they transfer more power per pedal stroke to the rear tire for climbing.
- Full suspension (full-suss). Though there are a variety of ways that full-suss is achieved, the main idea is to provide shock absorption on both the front and the rear. This type of suspension provides the smoothest ride, but requires a greater amount of maintenance than either of the other two types and they don’t perform as well when climbing.
It is no surprise that the weight, strength and durability of a mountain bike are in its frame, but the bike’s frame also influences ride quality and price. Various materials are used in building frames, including:
- Steel. Tough and inexpensive, provides a smooth ride, but is heavy. Is found on lower-end mountain bikes and fat bikes.
- Titanium. Tough and lighter, but too expensive (not found on any bike under $500).
- Carbon Fiber. Also tough and lightweight, but expensive. It is found on all classes of mountain bikes, but not the ones under $500.
- Aluminum Alloy. Lightweight and durable enough to handle rough terrain. This is the go to choice for mountain bike frames.
When it comes to brakes, there are two different types of brakes and two different system types. The two types are disc brakes and rim brakes.
The two systems types are hydraulic and mechanical. Here is a quick description of each of these brake components:
- Disc brakes. Feature brake pads, which grip a brake rotor mounted on the wheel hub. They work pretty much the same way as the brakes on your car.
- Rim brakes. Feature pads that grip the rim of your wheels to provide braking. These are pretty common on entry level bikes in all classes.
- Hydraulic brake systems. Use fluid pressure to control braking. These systems require less effort to obtain more progressive and stronger braking capacity. They adjust as brake pads wear.
- Mechanical brakes. Aka cable-activated brakes, use cable inside of hard plastic tubing to activate braking. They take more effort to provide braking and have to be manually adjusted as brake pads wear.
A discussion of gearing for mountain bikes could be the focus of an extensive article. We’ll keep it simple.
Gearing on a mountain bike will be based on the number of chainrings on the crankset, which is where the pedals are, multiplied by the number of sprockets on the cassette, or rear drivetrain of the bike.
Traditional gearing on mountains bikes has been focused on multiple chainrings on the crank (2 to 4) and multiple sprockets on the cassette (3 to 8). An example of this type of gearing would be the first “10 speeds” which were 2×5.
Traditional gearing followed this pattern, creating combinations like 3×7 or 4×8. Gearing ratios can become pretty complicated when you get into discussions about climbing power and cruising power.
You can study that stuff on your own, but we will point out that the trend in mountain biking is to go with a single, mid-range diameter, chainring on the crankset while increasing the number of sprockets on the cassette to 9, 10 or 11.
This type of gearing is lighter, shifts faster and requires less maintenance while still giving you a broad enough range for both climbing and cruising.
How do you choose the right size of a mountain bike?
The right fit on a mountain bike is essential. A poor fit may cause a lot of discomfort or a loss of control in critical situations out on the trail.
Here is a quick guide to sizing:
- X-Small. Fits riders between 4’10 and 5’2.
- Small. Fits riders between 5’2 and 5’10.
- Medium. Fits riders between 5’10 and 6’1.
- Large. Fits riders between 6’1 and 6’4.
- X-Large. Fits riders between 6’4 and 6’6.
If your height is right at the limits of a particular size range, you will do better to select the smaller of the two sizes.
For example, if your height is 5’10, you might see more benefits from a small size bike with some height adjustments than choosing a larger bike with limited height adjustment.
On the following page, you find more information about how to choose your bike frame.
Best Mountain Bike Under 500 Dollars Review
Taking the information from the section above, you are better able to make an informed comparison between the bikes in my reviews.
Pay attention to the various features and consider how they will best serve the type of riding you want to do and the type of terrain you are apt to encounter.
Establishing a pretty solid average for the group we are going to review is the Schwinn Protocol 1.0 Men’s Dual-Suspension Mountain Bike.
This bike has the equipment you should expect to find on a mid-range priced mountain bike under 500 dollars.
It comes with 26” wheels, which are common on entry-level mountain bikes. Though it might not roll over a rough trail as well, smoothness in accommodated through dual or full-suss suspension.
It maintains its lighter weight with aluminum alloy frame and wheels. Featured on this bike for braking are a combination of disc brakes on the front and rim or v-brakes on the rear.
Both are on mechanical, cable systems, which will require some adjustment as they wear.
Driving this bike is a 24 speed (3×8) gearing system featuring Shimano EZ-fire trigger shifters and Shimano rear derailleur providing you with a wide range of gearing options with reliable components for improved longevity.
The Schwinn Bonafide Mountain Bike is well named. This hardtail 29er is what most people think of when they hear the term mountain bike.
You get some of the best mountain bike features available at a price that is a little above the median range. To start off, this bike features 29 inch wheels, providing a better attack angle over objects for a smoother ride.
You get the benefits of shock absorption in your hands and arms as you manipulate this bike over rugged terrain due to its front suspension, but you get a little more climbing power because it is a hardtail.
These features come on a lightweight, durable aluminum alloy frame.
Disc brakes on both the front and rear wheels of this bike combine lower maintenance with improved stopping efficiency, and they are mechanically activated to keep the price down.
The dependable gearing components on this mountain bike match those of the Protocol 1.0 with 3×8 gearing executed by the Shimano EZ-fire trigger shifter and Shimano derailleur.
The 2018 Gravity FSX 2.0 Dual Full Suspension Mountain Bike adds some additional quality that the other bikes don’t have without pushing it over the $500 price point. Its included features are what advanced users tend to look for.
This full-suss bike comes with 26” double-wall alloy wheels. Both the front and rear suspension systems on this bike have lockout features to allow better power distribution during a climb as well as the capacity to adjust the level of absorption to improve your ride over varying intensities of terrain.
These features are mounted on an aluminum alloy frame, so your bike remains lightweight and easy to maneuver.
Tektro Novello disc brakes on a mechanical system are featured on this bike, adding to the quality components of this bike. More quality components are present in the gear system of this bike, which gives you 24 gears (3×8) to choose from.
Shimano Acera components are used in the derailleurs and higher end Shimano EF51 shifters are added for changing gears, in order to round out the quality built into this bike.
We’re finishing up with the Rise Mountain Bike from Head, and what you’ll notice right away with this two-wheeler is its size.
First off, it also features 29-inch wheels that will support you adequately whenever you’re taking this bike out for a spin.
They’re quite sturdy as well, so don’t shy away from tackling rough environments when you’re riding this mountain bike.
The frame of this mountain bike is also on the larger side. Some riders with bigger frames experience trouble fitting into the cockpit of many mountain bikes due to the short body.
However, the frame of this bike extends over 20 inches. With that amount of space available, cyclists with bigger frames won’t have to subject themselves to discomfort.
They can extend their long limbs as much as they want to and still control the bike properly.
This bike does suffer from some durability issues though, as its wheels tend to wear down at an accelerated rate.
Outside of that though, this bike should prove to be immensely useful especially for the riders with bigger frames.
If you combine the features of the first two Schwinn bikes featured in this review, you get something pretty close to the Schwinn Traxion Mountain Bike.
You will pay a little bit more than the median range price of this category for a pretty decent bike if you choose this model.
Like the Schwinn Bonafide, this bike rolls on 29ers for a smoother ride over rough terrain. Like the Schwinn Protocol 1.0, it is a full-suss bike.
Like both models, it is built on an aluminum alloy frame. The combination of these features makes it a pretty smooth and easy handling mountain bike for all levels of riders.
Like the Bonafide, the Traxion uses mechanical disc brakes on both the front and rear wheels for improved stopping power. This bike is geared just like both of the other bikes, providing 24 gear choices on a 3×8 system that features Shimano components.
My guide and reviews have provided you with an opportunity to make a higher quality comparison between the various features and benefits of different models of mountain bikes.
The winner in this roundup of the best mountain bikes under $500 is the Schwinn Bonafide Mountain Bike.
With the Bonafide, you get maneuverability, handling and a smooth ride with its 29 inch tires and its hardtail suspension. With the lack of a suspension system in the rear, you get better power transfer for climbing, which sets it apart from the other bikes in this review.
It utilizes quality disc brake and Shimano gearing components for improved durability and reliability. This bike does not require as much adjustment and fine-tuning as some in this review, which makes it a better choice for a wider variety of riders.
In my eyes, the Bonafide gives you the best mountain bike for the money.
You may or may not agree with my final selection. Regardless of which bike in my review is a better fit for you, you now have a set of criteria and some solid examples to use when comparing various mountain bike models and selecting the bike that is right for you.