Real Lease Cost™ (everything you pay, each month): $715 a month, estimate (payment, tax, miles, insurance and charging, added up) at 12,000 miles a year at U.S. average prices. The listed payment is $359. 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 Leasehackr Marketplace (broker offers) on 2026-10-31.
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 listing itself, from 15 public sites. Newest read Oct 31.$359
Money due when you sign ($1,641), spread over 24 monthsSource: The ad's own fees; a $500 transfer fee is assumed when the ad gives none. Read with the ad, Oct 31.+ $68
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.+ $22
Miles: you drive 12,000 a year, the lease covers 10,000You drive 2,000 miles a year more than the lease allows. We price buying them up front: 1 step of 2,500 miles at $19 a month each (our estimate). That is $19 a month.Source: The ad's miles and per-mile rate; $0.25 a mile when the ad gives none. Read with the ad, Oct 31.+ $19
Insurance, our estimate for the U.S. average: $190 (range $150 to $230). Your own quote may differ. Type yours.Kia EV6 quotes run $150 to $230 a month (The Zebra, read Oct 19) → middle $190 × 1.00 (U.S. average) = $190 a month. Full coverage, a typical driver with a clean record.Source: The Zebra model quotes and MoneyGeek 2025 state averages. Quotes read Oct 19, state table read Oct 30.+ $190
Electric: charging at home, our estimate12,000 mi a year÷about 3.2 mi/kWh(middle of the EPA figures for the 2024 EV6)=3,750 kWh×$0.1816 a kWh(EIA U.S. home electricity, August 2026)=$681 a year=$57 a monthcity 3.6 to highway 2.9 mi/kWhSource: U.S. Energy Information Administration (gas, week of Oct 26; electricity, August 2026). Read Oct 30.+ $57
At 12,000 miles a year and U.S. average costs, 398 of the 455 similar SUVs we price today cost more than this one.
vs 455 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 87 of every 100 similar SUVs we price today cost more than this one. Pool: the live ranked 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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Facts stated by the source on 2026-10-31.
The cheapest live car in the table is the 2024 Nissan Ariya with a Real Lease Cost of $421 a month. This car is $294 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 Kia EV6
Monthly payment in the ad
$359 plus tax
Months on the lease
24
Due when you sign
$2,000. It includes your first payment of $359. The other $1,641 is fees and any money down, and we count all of it.
That $1,641, spread over 24 months
$68 a month
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
$427
Tax, each month
$22
Monthly cost after tax
$449
Lease cost over all the months, before tax
$10,257
Transfer fee
none stated by the source
Cash the seller says they will pay you
$0
Miles a year the lease allows
10,000
Extra miles to reach your 12,000 a year
You drive 2,000 miles a year more than the lease allows. We price buying them up front: 1 step of 2,500 miles at $19 a month each (our estimate). That is $19 a month. If you pay the ad’s end-of-lease rate instead: +$23 a month ($0.25 a mile, as the ad states).
Insurance, our estimate
$190 a month for the U.S. average (range $150 to $230). We use the middle of the range. Source: The Zebra's national average for this model, read 2026-10-19. Full coverage, a typical driver with a clean record. Source and date
Electricity, our estimate
$57 a month (about 3.2 mi/kWh, middle of the EPA figures for the 2024 EV6; EIA U.S. home electricity, August 2026) kWh: a unit of electricity, like a gallon for gas.
Real Lease Cost, each month
$715
Real Lease Cost, over all the months, our estimate
$17,160
Listing status
live
Source read
2026-10-31
For the experts: the exact lease terms
Lease terms for experts
When it ends
Offer ends Nov 7 (in 7 days)
MSRP
not in the listing
Cap reduction
inside the money due at signing, not split out
Effective monthly, before tax
$427
Effective monthly, after tax
$449
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2025 Kia NIRO
A drawing of this kind of car, not a photo of it.
2025 Kia NIRO Offer 1 of 3 on this model
Real Lease Cost:$538a month, estimate
New leaseHybrid, plug-in or electric: the ad does not sayOne 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 counted $0. Ask before you sign.
Offer ends Nov 7 (in 7 days)
Only one site lists this. Not confirmed.
Fuel $84/mo. We used the highest running cost because the ad does not say which kind it is.
Ad$245
Real$538
+$293 we added, most of it estimate
Why +$293? insurance $175, gas $84, extra miles $19, tax $15
The listed payment is $245 a month. With everything added, it is $538 a month. Most of the difference is insurance, $175 a month (our estimate for the U.S. average, $140 to $210; type yours).
The listed payment$245
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.)+ $15
Miles: you drive 12,000 a year, the lease covers 10,000+ $19
Insurance, our estimate for the U.S. average (range $140 to $210). Type yours.+ $175
Hybrid, plug-in or electric (the ad does not say): counted at the dearest, our estimate+ $84
Real Lease Cost, each month$538
If you pay the ad’s end-of-lease rate instead: +$23 a month ($0.25 a mile, as the ad states).
Leasehackr Marketplace (broker offers), read Oct 31. Insurance and gas are estimates, not quotes.
Photo of this model, not this exact car.
2025 Kia K4 Offer 1 of 5 on this model
Real Lease Cost:$558a 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 counted $0. Ask before you sign.
Offer ends Nov 7 (in 7 days)
Only one site lists this. Not confirmed.
Gas $129/mo: about 33 mpg (EPA), U.S. average price
Ad$231
Real$558
+$327 we added, most of it estimate
Why +$327? insurance $165, gas $129, extra miles $19, tax $14
The listed payment is $231 a month. With everything added, it is $558 a month. Most of the difference is insurance, $165 a month (our estimate for the U.S. average, $130 to $200; type yours).
The listed payment$231
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.)+ $14
Miles: you drive 12,000 a year, the lease covers 10,000+ $19
Insurance, our estimate for the U.S. average (range $130 to $200). Type yours.+ $165
Gas, our estimate+ $129
Real Lease Cost, each month$558
If you pay the ad’s end-of-lease rate instead: +$23 a month ($0.25 a mile, as the ad states).
Leasehackr Marketplace (broker offers), read Oct 31. Insurance and gas are estimates, not quotes.
The listed payment is $291 a month. With everything added, it is $587 a month. Most of the difference is insurance, $175 a month (our estimate for the U.S. average, $140 to $210; type yours).
The listed payment$291
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.)+ $18
Miles: you drive 12,000 a year, the lease covers 10,000+ $19
Insurance, our estimate for the U.S. average (range $140 to $210). Type yours.+ $175
Hybrid, plug-in or electric (the ad does not say): counted at the dearest, our estimate+ $84
Real Lease Cost, each month$587
If you pay the ad’s end-of-lease rate instead: +$23 a month ($0.25 a mile, as the ad states).
Leasehackr Marketplace (broker offers), read Oct 31. Insurance and gas are estimates, not quotes.
Other cars near $715 a month
Photo of this model, not this exact car.
2024 GMC Sierra EV Denali
Real Lease Cost:$617a month, estimate
Take-overElectricOne of the lowest costs for this kind of car
You take over someone’s lease. You pay their last 15 months.
Needs the leasing company’s approval.
Lease ends Jan 2028 (15 months left)
15 months left, about $9,300 in all. Transfer fee $500 (assumed). Seller pays you $7,000.
Only one site lists this. Not confirmed.
Charging $70/mo: A typical figure for electric cars, not this car’s rating at U.S. average home rates.
The listed payment is $726 a month. The seller says they will pay you $7,000 to take it over, about $467 a month, which brings the real cost down to $617 a month with everything added.
The listed payment$726
Cash the seller says they will pay you, each month- $467
Transfer fee we assumed ($500), spread over 15 months+ $33
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.)+ $45
Miles: you drive 12,000 a year, the lease covers 11,081+ $19
Insurance, our estimate for the U.S. average (range $153 to $229). Type yours.+ $191
Electric: charging at home, our estimate+ $70
Real Lease Cost, each month$617
LeaseTrader, read Oct 31. Insurance and charging are estimates, not quotes.
The listed payment is $329 a month. With everything added, it is $629 a month. The biggest piece is insurance, $135 a month (our estimate for the U.S. average, $108 to $162; type yours).
The listed payment$329
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.)+ $20
Miles: you drive 12,000 a year, the lease covers 9,996+ $19
Insurance, our estimate for the U.S. average (range $108 to $162). Type yours.+ $135
Gas, our estimate+ $126
Real Lease Cost, each month$629
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.
