Real Lease Cost™ (everything you pay, each month): $1,067 a month, estimate (payment, tax, miles, insurance and gas, added up) at 12,000 miles a year at U.S. average prices. The listed payment is $603. The receipt adds every cost.
An estimate, not a quote. The payment, fees and tax come from the listing and the state’s rules; insurance and gas or charging are our estimates. Your dealer, insurer and driving set the real figures. How we estimate
Read from SwapALease on Oct 31, 2026. Tax status not recorded, so tax is added here (tax assumed).
Confirm every number with the seller or the leasing company before you commit. The Real Lease Cost leaves out
registration, wear and tear, and excess miles beyond your target. See how we score.
Listing facts belong to the source. If this row should be corrected or removed, write to
takedown@realleasecost.com.
The listed paymentSource: the SwapALease listing, read Oct 31.$603
Transfer fee we assumed ($500), spread over 12 monthsSource: the SwapALease listing, read Oct 31. Where the ad gives no fees, we assume a $500 transfer fee, or the typical money due at signing.+ $42
Tax, our estimate, because the ad gives no tax rate (6.1% national estimate, until you pick your state. Type your own rate in Your numbers.)Source: State revenue department pages, 50 of 51 states sourced. Read Oct 30.+ $37
Miles: you drive 12,000 a year, the lease covers 24,849The lease covers your miles, so extra miles cost nothing.Source: the SwapALease listing, read Oct 31. Where the ad gives no per-mile rate, we use $0.25 a mile.+ $0
Insurance, our estimate for the U.S. average: $182 (range $146 to $218). Your own quote may differ. Type yours.No quotes for this exact model, so we use AAA’s 2026 full-coverage average for a Compact SUV (gas) ($2,188 a year, five top-selling models, a driver under 65 with 6+ years and no accidents) → × 1.00 (U.S. average) = $182 a month. Range $146 to $218. Full coverage, a typical driver with a clean record.Source: AAA Your Driving Costs 2026 full-coverage class average and MoneyGeek 2025 state averages. Class average read Oct 31, state table read Oct 30.+ $182
Gas, our estimate12,000 mi a year÷about 26 mpg(middle of the EPA figures for the 2024 XT4)=461.5 gallons×$5.275 a gallon(EIA U.S. average premium, week of Oct 26)=$2,435 a year=$203 a monthcity 24 to highway 29Source: U.S. Energy Information Administration (gas, week of Oct 26; electricity, August 2026). Read Oct 31.+ $203
You take over someone’s lease. You pay their last 12 months. The months and the miles are theirs, not new ones.
The leasing company must approve you.
Model year: 2024.
Miles left on the lease: about 24,800, as the listing states them.
Transfer fee: $500 (assumed: the listing states none). Ask the leasing company (the bank that owns the car), not the seller.
Real Lease Check™
How this price compares
Costs less than most similar cars
At 12,000 miles a year and U.S. average costs, 370 of the 441 similar luxury SUVs we price today cost more than this one.
vs 441 luxury SUV deals today, at 12,000 miles and U.S. average costs
This check looks at price only. It cannot say whether the car fits you.
The math behind this
About 84 of every 100 similar luxury SUVs we price today cost more than this one. Pool: the live ranked luxury SUV deals we read, luxury makes with luxury makes only, each priced at the same miles and costs. A car we could not check counts at its worse number.
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Where these prices come from
Beignets, 3 pieces, Café du Monde, New Orleans: Café du Monde shop page, read Oct 31 2026. Photo of beignets at Café du Monde, 2014. Photo: Sunnya343, CC BY-SA 4.0, via Wikimedia Commons; cut out and placed on a tile by us, shared under CC BY-SA 4.0.
About a Yemeni latte, Qahwah House, based in Dearborn: listed from $8.47 (Little Ox list, Oct 2026), read Oct 31 2026. The tip is $7.86; the source lists $8.47. Qahwah House contact page (the Dearborn address): source. Photo of Arabic coffee, not Qahwah House's latte. Photo: Slywire, CC BY-SA 4.0, via Wikimedia Commons; cut out and placed on a tile by us, shared under CC BY-SA 4.0.
OG sourdough loaf, Rize Up Sourdough, San Francisco: Rize Up Sourdough product list, read Oct 31 2026. Photo of a sourdough loaf, not Rize Up's own. Photo: Nutrition, Food Safety & Health, CC0, via Wikimedia Commons.
Rye loaf, whole, RYE by Martin Auer, SoHo, New York: The Guardian, Sep 28 2026, read Oct 31 2026. Photo of a 100% rye loaf, not RYE's own. Photo: Veganbaking.net, CC BY-SA 2.0, via Wikimedia Commons; cut out and placed on a tile by us, shared under CC BY-SA 2.0.
Facts stated by the source on Oct 31, 2026.
The cheapest live car outside this brand is the 2026 Toyota Corolla with a Real Lease Cost of $531 a month. This car is $536 a month more than that.
The full math, line by line
This table is priced at 12,000 miles a year and U.S. average prices.
The math for 2024 Cadillac XT4 Premium Luxury
Monthly payment in the ad
$603 plus tax
Months on the lease
12
Sticker price
not in the listing
Tax rate used
6.10% (our estimate, the source stated none)
Monthly cost before tax, money due at signing spread out
$645
Tax, each month
$37
Monthly cost after tax
$682
Lease cost over all the months, before tax
$7,741
Transfer fee, our estimate
$500 spread over the months. The source did not state one; confirm with the leasing company.
Cash the seller says they will pay you
$0
Money you pay up front
not stated by the source, counted as $0 until you confirm
Miles a year the lease allows
24,849
Extra miles to reach your 12,000 a year
The lease covers your miles, so extra miles cost nothing.
Insurance, our estimate
$182 a month for the U.S. average (range $146 to $218). We use the middle of the range. Source: AAA Your Driving Costs 2026, full-coverage class average, read Oct 31, 2026. Full coverage, a typical driver with a clean record. Source and date
Gas, our estimate
$203 a month (about 26 mpg, middle of the EPA figures for the 2024 XT4; EIA U.S. average premium, week of Oct 26)
Real Lease Cost, each month
$1,067
Real Lease Cost, over all the months, our estimate
$12,804
Listing status
live
Source read
Oct 31, 2026
For the experts: the exact lease terms
Lease terms for experts
When it ends
Lease ends about Oct 2027 (12 months left)
MSRP
not in the listing
Cap reduction
not stated
Effective monthly, before tax
$645
Effective monthly, after tax
$682
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More deals like this (6 cars)
More Cadillac deals
Photo of this model, not this exact car.
2025 Cadillac LYRIQ LuxuryOffer 1 of 4 on this model
Real Lease Cost:$594a month, estimate
Take-overElectricOne of the lowest costs for this kind of car
You take over someone’s lease. You pay their last 13 months.
Needs the leasing company’s approval.
Lease ends Dec 2027 (13 months left)
13 months left, about $7,700 in all. Transfer fee $500 (assumed). Seller pays you $10,400.
Only one site lists this. Not confirmed.
Charging $70/mo: EPA figure for this model at U.S. average home rates.
Assumes you charge at home.
Ad$1,032
Real$594
Grey is the ad. Blue is what we add. Yellow stripes are our estimates. The dashed box is the seller's cash.
The listed payment is $1,032 a month. The seller says they will pay you $10,400 to take it over, about $800 a month, which brings the real cost down to $594 a month with everything added.
The listed payment$1,032
Cash the seller says they will pay you, each month- $800
Transfer fee we assumed ($500), spread over 13 months+ $38
Tax, our estimate, because the ad gives no tax rate (6.1% national estimate, until you pick your state. Type your own rate in Your numbers.)+ $64
Miles: you drive 12,000 a year, the lease covers about 25,477 a year (from the miles left and months left)+ $0
Insurance, our estimate for the U.S. average (range $152 to $228). Type yours.+ $190
Electric: charging at home, our estimate+ $70
Real Lease Cost, each month$594
LeaseTrader, read Oct 31. Insurance and charging are estimates, not quotes.
New leaseElectricOne of the lowest costs for this kind of car
A new lease from the dealer. You sign for 36 months. Money due at signing: the ad does not say. We added the typical amount, $85 a month. Ask before you sign.
Offer ends Nov 6 (in 6 days)
Only one site lists this. Not confirmed.
Charging $63/mo: EPA figure for this model at U.S. average home rates.
Assumes you charge at home.
Ad$359
Real$720
+$361 we added, most of it estimate
Why +$361? insurance $172, typical money due at signing $85, charging $63, tax $22, extra miles $19
The listed payment is $359 a month. With everything added, it is $720 a month. The biggest piece is insurance, $172 a month (our estimate for the U.S. average, $138 to $206; type yours).
The listed payment$359
Money due at signing: the ad does not say. We added $85 a month, the typical amount (median of 156 ads that state it in the same price band, read Oct 30 to Oct 31).+ $85
Tax, our estimate, because the ad gives no tax rate (6.1% national estimate, until you pick your state. Type your own rate in Your numbers.)+ $22
Miles: you drive 12,000 a year, the lease covers 9,996+ $19
Insurance, our estimate for the U.S. average (range $138 to $206). Type yours.+ $172
Electric: charging at home, our estimate+ $63
Real Lease Cost, each month$720
If you pay the ad’s end-of-lease rate instead: +$23 a month ($0.25 a mile, as the ad states).
SwapALease, read Oct 30. Insurance and charging are estimates, not quotes.
Photo of this model from another year, not this exact car.
2026 Cadillac XT6 Offer 1 of 2 on this model
Real Lease Cost:$1,022a month, estimate
New leaseGasOne of the lowest costs for this kind of car
A new lease from the dealer. You sign for 36 months. Money due at signing: the ad does not say. We added the typical amount, $85 a month. Ask before you sign.
Offer ends Nov 6 (in 6 days)
Only one site lists this. Not confirmed.
Gas $240/mo: about 22 mpg (EPA 2025), U.S. average price
Ad$449
Real$1,022
+$573 we added, most of it estimate
Why +$573? gas $240, insurance $202, typical money due at signing $85, tax $27, extra miles $19
The listed payment is $449 a month. With everything added, it is $1,022 a month. The biggest piece is our gas estimate, $240 a month.
The listed payment$449
Money due at signing: the ad does not say. We added $85 a month, the typical amount (median of 156 ads that state it in the same price band, read Oct 30 to Oct 31).+ $85
Tax, our estimate, because the ad gives no tax rate (6.1% national estimate, until you pick your state. Type your own rate in Your numbers.)+ $27
Miles: you drive 12,000 a year, the lease covers 9,996+ $19
Insurance, our estimate for the U.S. average (range $162 to $242). Type yours.+ $202
Gas, our estimate+ $240
Real Lease Cost, each month$1,022
If you pay the ad’s end-of-lease rate instead: +$23 a month ($0.25 a mile, as the ad states).
SwapALease, read Oct 30. Insurance and gas are estimates, not quotes.
The listed payment is $442 a month. With everything added, it is $968 a month. The biggest piece is insurance, $198 a month (our estimate for the U.S. average, $150 to $245; type yours).
The listed payment$442
Money due when you sign ($2,660), spread over 39 months+ $68
Tax, at the rate the ad states+ $46
Miles: you drive 12,000 a year, the lease covers 7,500+ $38
Insurance, our estimate for the U.S. average (range $150 to $245). Type yours.+ $198
Gas, our estimate+ $176
Real Lease Cost, each month$968
If you pay the ad’s end-of-lease rate instead: +$56 a month ($0.25 a mile, as the ad states).
Leasehackr pre-negotiated board, read Oct 31. Insurance and gas are estimates, not quotes.
Photo: Charles from Port Chester, New York, CC BY 2.0
Photo of this model from another year, not this exact car.
2026 Kia Sorento Hybrid EX AWDOffer 3 of 3 on this model
Real Lease Cost:$969a month, estimate
New leaseHybridAbout even with similar cars
A new lease from the dealer. You sign for 24 months, with money due at signing.
Offer ends Nov 2 (in 2 days)
Seller’s numbers: we did not check them
Gas $126/mo: 34 mpg (EPA), U.S. average price
Ad$479
Real$969
+$490 we added, most of it estimate
Why +$490? insurance $191, gas $126, fees $101, tax $53, extra miles $19
The listed payment is $479 a month. With everything added, it is $969 a month. The biggest piece is insurance, $191 a month (our estimate for the U.S. average, $153 to $229; type yours).
The listed payment$479
Money due when you sign ($2,424), spread over 24 months+ $101
Tax, at the rate the ad states+ $53
Miles: you drive 12,000 a year, the lease covers 10,000+ $19
Insurance, our estimate for the U.S. average (range $153 to $229). Type yours.+ $191
Hybrid: gas, our estimate+ $126
Real Lease Cost, each month$969
If you pay the ad’s end-of-lease rate instead: +$23 a month ($0.25 a mile, as the ad states).
Leasehackr pre-negotiated board, read Oct 31. Insurance and gas are estimates, not quotes.
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