$1,015 a month all-in (payment, tax, miles, insurance and charging, added up) at 12,000 miles a year at U.S. average prices. The listed payment is $696. 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 CA New leaseCollection at the dealer; shipping is sometimes possible at extra cost, so ask themSwapALeaseelectric Truck Only one site lists this. Not confirmed.
One public site lists this deal. No second site confirms it.
Truck, electric body style, no photo for this model
Read from SwapALease on 2026-10-30.
Confirm every number with the seller or the leasing company before you commit. The all-in figure 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 14 public sites. Newest read Oct 31.$696
Tax, our estimate, because the ad gives no tax rate (U.S. average rate, until you pick your state)Source: State revenue department pages, 33 of 51 states sourced. Read Oct 30.+ $42
Miles: you drive 12,000 a year, the lease covers 17,731The lease covers your miles, so extra miles cost nothing.Source: The ad's miles and per-mile rate; $0.25 a mile when the ad gives none. Read with the ad, Oct 31.+ $0
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: The Zebra model quotes and MoneyGeek 2025 state averages. Quotes read Oct 19, 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×$0.182 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 30.+ $86
The cheapest live car in the table is the 2026 Toyota Corolla at $531 all-in. This car is $484 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 XLT
Monthly payment in the ad
$696 plus tax
Months on the lease
16
Sticker price
not in the listing
Tax rate used
6.00% (our estimate, the source stated none)
Monthly cost before tax, money due at signing spread out
$696
Tax, each month
$42
Monthly cost after tax
$738
Lease cost over all the months, before tax
$11,133
Transfer fee
none stated by the source
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
17,731
Extra miles to reach your 12,000 a year
The lease covers your miles, so extra miles cost nothing.
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 2026-10-31. 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.
All in, each month
$1,015
All in, over all the months, our estimate
$16,240
Listing status
live
Source read
2026-10-30
For the experts: the exact lease terms
Lease terms for experts
When it ends
Offer ends Nov 6 (in 6 days)
MSRP
not in the listing
Cap reduction
not stated
Effective monthly, before tax
$696
Effective monthly, after tax
$738
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2025 Ford Mustang Mach-E Select
$614a month, everything in
Take-overElectric
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 $12,300 in all. Transfer fee $500 (assumed).
Only one site lists this. Not confirmed.
Charging $61/mo: about 3.0 mi/kWh (EPA), U.S. average price
The listed payment is $319 a month. With everything added, it is $614 a month. Most of the difference is insurance, $190 a month (our estimate for the U.S. average, $150 to $230; type yours).
The listed payment$319
Transfer fee we assumed ($500), spread over 20 months+ $25
Tax, our estimate, because the ad gives no tax rate (U.S. average rate, until you pick your state)+ $19
Miles: you drive 12,000 a year, the lease covers 14,646+ $0
Insurance, our estimate for the U.S. average (range $150 to $230). Type yours.+ $190
Electric: charging at home, our estimate+ $61
All in, each month$614
LeaseTrader, read Oct 30. 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 XLT
$752a month, everything in
Take-overElectric
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 $15,000 in all. Transfer fee $500 (assumed).
Only one site lists this. Not confirmed.
Charging $91/mo: about 2.0 mi/kWh (EPA), U.S. average price
The listed payment is $420 a month. With everything added, it is $752 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 (U.S. average rate, until you pick your state)+ $25
Miles: you drive 12,000 a year, the lease covers 15,613+ $0
Insurance, our estimate for the U.S. average (range $153 to $229). Type yours.+ $191
Electric: charging at home, our estimate+ $91
All in, each month$752
LeaseTrader, read Oct 30. 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 (U.S. average rate, until you pick your state)+ $25
Miles: you drive 12,000 a year, the lease covers 13,726+ $0
Insurance, our estimate for the U.S. average (range $140 to $210). Type yours.+ $175
Gas, our estimate+ $152
All in, each month$788
LeaseTrader, read Oct 30. Insurance and gas are estimates, not quotes.
The listed payment is $599 a month. With everything added, it is $915 a month. Most of the difference is insurance, $172 a month (our estimate for the U.S. average, $138 to $206; type yours).
The listed payment$599
Tax, our estimate, because the ad gives no tax rate (U.S. average rate, until you pick your state)+ $36
Miles: you drive 12,000 a year, the lease covers 7,500+ $38
Insurance, our estimate for the U.S. average (range $138 to $206). Type yours.+ $172
Electric: charging at home, our estimate+ $70
All in, each month$915
If you pay the ad’s end-of-lease rate instead: +$56 a month ($0.25 a mile, as the ad states).
SwapALease, read Oct 30. Insurance and charging are estimates, not quotes.
