Unless you're leasing it, I would not buy a Ford. My wife had a 1999 ford focus back in her college days, it lasted until 80k miles, then it totally died, the block cracked, trans went out. After dumping huge amounts of money into it, we eventually gave up and towed it into the honda dealership and they gave us $500 bucks for it. Total bargain at that point. I never seen a bigger POS than that car. Not saying all Fords are bad just going by my personal experience. I think the market for fords might be cheaper though because other people feel the same.
I've owned 2 Honda Civics and had no problems at all. Great resale value is key, for instance I bought my current one used for 9k and am going to put it on the market for 2k in the next week or so. So considering I've owned it for 13 years, that really is less than $50/mo (13x12/7000). It's never broken. The battery did die and I had to replace the cv joints at 100k miles as preventative maintenance, but nothing serious. Less than 500 in repairs the whole time I've owned it. So stuff like that is good to calculate I think. Plus breaking down and being stranded really sucks.
Good luck to ya! You didn't say what year, so I just pulled up 2 consumer reviews on the 2000 ford focus, and honda civic. Notice in reliability the honda civic has a perfect 10? But you can change the year to whatever you're getting and form your own opinion. i just owned a jetta that broke a lot and vowed I would never own a "get stranded" car again.
http://www.edmunds.com/honda/civic/2...merreview.html
http://www.edmunds.com/ford/focus/20...merreview.html