Real Lease Cost™ (everything you pay, each month): $1,413 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 $1,014. 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
Listed in NY Take-overSwapALeaseElectric Truck Only one site lists this. Not confirmed.
Only one site lists this, so check it before you pay.
Truck, electric body style, no photo for this model
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.$1,014
Transfer fee we assumed ($500), spread over 35 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.+ $14
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.+ $62
Miles: you drive 12,000 a year, the lease covers 9,771You drive 2,229 miles a year more than the lease allows. At $0.25 a mile (as the ad states) that is $46 a month.Source: the SwapALease listing, read Oct 31. Where the ad gives no per-mile rate, we use $0.25 a mile.+ $46
Insurance, our estimate for the U.S. average: $191 (range $153 to $229). Your own quote may differ. Type yours.No quotes for this exact model, so we use AAA’s 2026 full-coverage average for a Half-ton Pickup (electric) ($2,294 a year, five top-selling models, a driver under 65 with 6+ years and no accidents) → × 1.00 (U.S. average) = $191 a month. Range $153 to $229. 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.+ $191
Electric: charging at home, our estimate12,000 mi a year÷about 2.1 mi/kWh(middle of the EPA figures for the 2025 F 150 Lightning)=5,714 kWh×$0.1816 a kWh(EIA U.S. home electricity, August 2026)=$1,038 a year=$86 a monthcity 2.3 to highway 1.9 mi/kWhSource: U.S. Energy Information Administration (gas, week of Oct 26; electricity, August 2026). Read Oct 31.+ $86
You take over someone’s lease. You pay their last 35 months. The months and the miles are theirs, not new ones.
The leasing company must approve you.
Model year: 2025.
Miles left on the lease: about 28,500, 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 more than most similar cars
At 12,000 miles a year and U.S. average costs, 24 of the 182 similar trucks we price today cost more than this one.
vs 182 truck 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 13 of every 100 similar trucks we price today cost more than this one. Pool: the live ranked truck 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 in the table is the 2026 Toyota Corolla with a Real Lease Cost of $531 a month. This car is $882 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 2025 Ford F 150 Lightning Flash
Monthly payment in the ad
$1,014 plus tax
Months on the lease
35
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
$1,029
Tax, each month
$61
Monthly cost after tax
$1,090
Lease cost over all the months, before tax
$36,000
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
9,771
Extra miles to reach your 12,000 a year
You drive 2,229 miles a year more than the lease allows. At $0.25 a mile (as the ad states) that is $46 a month.
Insurance, our estimate
$191 a month for the U.S. average (range $153 to $229). 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
Electricity, our estimate
$86 a month (about 2.1 mi/kWh, middle of the EPA figures for the 2025 F 150 Lightning; EIA U.S. home electricity, August 2026) kWh: a unit of electricity, like a gallon for gas.
Real Lease Cost, each month
$1,413
Real Lease Cost, over all the months, our estimate
$49,455
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 Sep 2029 (35 months left)
MSRP
not in the listing
Cap reduction
not stated
Effective monthly, before tax
$1,029
Effective monthly, after tax
$1,090
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More deals like this (6 cars)
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Photo of this model from another year, not this exact car.
2025 Ford Mustang Mach-E PlatinumOffer 1 of 7 on this model
Real Lease Cost:$752a month, estimate
Take-overElectricCosts less than most similar carsWe could not check this one
You take over someone’s lease. You pay their last 20 months.
Needs the leasing company’s approval.
Lease ends Jun 2028 (20 months left)
20 months left, about $15,000 in all. Transfer fee $500 (assumed). Seller pays you $3,500.
We could not confirm this deal’s numbers, so we rank it on the higher cost.
Charging $61/mo: EPA figure for this model at U.S. average home rates.
Assumes you charge at home.
Ad$449
Real$752
Grey is the ad. Blue is what we add. Yellow stripes are our estimates. The dashed box is the seller's cash.
+$303 we added, most of it estimate
Why +$303? insurance $190, worse-case number $175, charging $61, tax $27, fees $25, minus seller cash $175
The listed payment is $449 a month. The seller says they will pay you $3,500 to take it over, about $175 a month. With everything added, the real cost is $577 a month. One number did not check out, so we count it as $752.
The listed payment$449
Cash the seller says they will pay you, each month- $175
Transfer fee we assumed ($500), spread over 20 months+ $25
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 about 15,090 a year (from the miles left and months left)+ $0
Insurance, our estimate for the U.S. average (range $150 to $230). Type yours.+ $190
Electric: charging at home, our estimate+ $61
One number did not check out, so we count the worse case+ $175
Real Lease Cost, each month$752
LeaseTrader, read Oct 31. Insurance and charging are estimates, not quotes.
Photo: Mariordo (Mario Roberto Durán Ortiz), CC BY-SA 4.0
Photo of this model from another year, not this exact car.
2024 Ford F-150 Lightning XLTOffer 1 of 3 on this model
Real Lease Cost:$753a month, estimate
Take-overElectricOne of the lowest costs for this kind of car
You take over someone’s lease. You pay their last 20 months.
Needs the leasing company’s approval.
Lease ends Jul 2028 (20 months left)
20 months left, about $15,100 in all. Transfer fee $500 (assumed).
Only one site lists this. Not confirmed.
Charging $91/mo: EPA figure for this model at U.S. average home rates.
The listed payment is $420 a month. With everything added, it is $753 a month. Most of the difference is insurance, $191 a month (our estimate for the U.S. average, $153 to $229; type yours).
The listed payment$420
Transfer fee we assumed ($500), spread over 20 months+ $25
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.)+ $26
Miles: you drive 12,000 a year, the lease covers about 15,613 a year (from the miles left and months left)+ $0
Insurance, our estimate for the U.S. average (range $153 to $229). Type yours.+ $191
Electric: charging at home, our estimate+ $91
Real Lease Cost, each month$753
LeaseTrader, read Oct 31. Insurance and charging are estimates, not quotes.
The listed payment is $420 a month. With everything added, it is $788 a month. The biggest piece is insurance, $175 a month (our estimate for the U.S. average, $140 to $210; type yours).
The listed payment$420
Transfer fee we assumed ($500), spread over 31 months+ $16
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.)+ $25
Miles: you drive 12,000 a year, the lease covers about 13,726 a year (from the miles left and months left)+ $0
Insurance, our estimate for the U.S. average (range $140 to $210). Type yours.+ $175
Gas, our estimate+ $152
Real Lease Cost, each month$788
LeaseTrader, read Oct 31. Insurance and gas are estimates, not quotes.
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, $90 a month. Ask before you sign.
Offer ends Nov 6 (in 6 days)
Only one site lists this. Not confirmed.
Charging $76/mo: EPA figure for this model at U.S. average home rates.
Assumes you charge at home.
Ad$899
Real$1,313
+$414 we added, most of it estimate
Why +$414? insurance $175, typical money due at signing $90, charging $76, tax $54, extra miles $19
The listed payment is $899 a month. With everything added, it is $1,313 a month.
The listed payment$899
Money due at signing: the ad does not say. We added $90 a month, the typical amount (median of 52 ads that state it in the same price band, read Oct 30 to Oct 31).+ $90
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.)+ $54
Miles: you drive 12,000 a year, the lease covers 9,996+ $19
Insurance, our estimate for the U.S. average (range $126 to $224). Type yours.+ $175
Electric: charging at home, our estimate+ $76
Real Lease Cost, each month$1,313
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.
2026 GMC Hummer EV
A drawing of this kind of car, not a photo of it.
2026 GMC Hummer EV Offer 2 of 6 on this model
Real Lease Cost:$1,313a month, estimate
New leaseElectricCosts more than most similar cars
A new lease from the dealer. You sign for 24 months. Money due at signing: the ad does not say. We added the typical amount, $134 a month. Ask before you sign.
Offer ends Nov 6 (in 6 days)
Only one site lists this. Not confirmed.
Charging $121/mo: EPA 2025 figure for this model at U.S. average home rates.
Assumes you charge at home.
Ad$799
Real$1,313
+$514 we added, most of it estimate
Why +$514? insurance $191, typical money due at signing $134, charging $121, tax $49, extra miles $19
The listed payment is $799 a month. With everything added, it is $1,313 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$799
Money due at signing: the ad does not say. We added $134 a month, the typical amount (median of 52 ads that state it in the same price band, read Oct 30 to Oct 31).+ $134
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.)+ $49
Miles: you drive 12,000 a year, the lease covers 9,996+ $19
Insurance, our estimate for the U.S. average (range $153 to $229). Type yours.+ $191
Electric: charging at home, our estimate+ $121
Real Lease Cost, each month$1,313
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.
2026 GMC Hummer EV
A drawing of this kind of car, not a photo of it.
2026 GMC Hummer EV Offer 3 of 6 on this model
Real Lease Cost:$1,313a month, estimate
New leaseElectricCosts more than most similar cars
A new lease from the dealer. You sign for 24 months. Money due at signing: the ad does not say. We added the typical amount, $134 a month. Ask before you sign.
Offer ends Nov 6 (in 6 days)
Only one site lists this. Not confirmed.
Charging $121/mo: EPA 2025 figure for this model at U.S. average home rates.
Assumes you charge at home.
Ad$799
Real$1,313
+$514 we added, most of it estimate
Why +$514? insurance $191, typical money due at signing $134, charging $121, tax $49, extra miles $19
The listed payment is $799 a month. With everything added, it is $1,313 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$799
Money due at signing: the ad does not say. We added $134 a month, the typical amount (median of 52 ads that state it in the same price band, read Oct 30 to Oct 31).+ $134
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.)+ $49
Miles: you drive 12,000 a year, the lease covers 9,996+ $19
Insurance, our estimate for the U.S. average (range $153 to $229). Type yours.+ $191
Electric: charging at home, our estimate+ $121
Real Lease Cost, each month$1,313
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.
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