$922 a month all-in (payment, tax, miles, insurance and gas, added up) at 12,000 miles a year at U.S. average prices. The ad says $529. The receipt adds every step between the two.
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 receipt
The ad saysSource: The listing itself, from 12 public sites. Newest read Oct 30.$529
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.+ $32
Miles: you drive 12,000 a year, the lease covers 9,996You drive 2,004 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 30.+ $19
Insurance, our estimate for the U.S. average: $184 (range $147 to $221). Your own quote may differ. Type yours.We use the middle of the range. 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.+ $184
Gas, our estimate27 mpg at $4.269/gal; EIA U.S. average, week of 2026-10-26 (read 2026-10-30)Source: U.S. Energy Information Administration (gas, week of Oct 26; electricity, August 2026). Read Oct 30.+ $158
The cheapest live car in the table is the 2026 Toyota Corolla at $527 all-in. This car is $395 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 Honda Pilot
Monthly payment in the ad
$529 plus tax
Months on the lease
36
Sticker price
$44,000 (as stated by the source)
Tax rate used
6.00% (our estimate, the source stated none)
Monthly cost before tax, money due at signing spread out
$529
Tax, each month
$32
Monthly cost after tax
$561
Lease cost over all the months, before tax
$19,044
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
9,996
Extra miles to reach your 12,000 a year
You drive 2,004 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
$184 a month for the U.S. average (range $147 to $221). We use the middle of the range. Source: our class estimate, fitted to The Zebra's model quotes, read 2026-10-19. Full coverage, a typical driver with a clean record. Source and date
Gas, our estimate
$158 a month (27 mpg at $4.269/gal, EIA U.S. average, week of 2026-10-26 (read 2026-10-30))
All in, each month
$922
All in, over all the months, our estimate
$33,192
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 7 days)
MSRP
$44,000
Cap reduction
not stated
Effective monthly, before tax
$529
Effective monthly, after tax
$561
Effective as a share of MSRP, monthly
1.27%
Leasehackr score, estimate
6.5
All-in cost as a share of MSRP
75.4%
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More deals like this (6 cars)
More Honda deals
Photo of this model, not this exact car.
2025 Honda Accord
$644a month, everything in
New lease
A new lease from the dealer. You sign for 36 months, with money due at signing.
The ad says $299 a month. With everything added, it is $644 a month. Most of the difference is insurance, $175 a month (our estimate for the U.S. average, $140 to $210; type yours).
The ad says$299
Tax, our estimate, because the ad gives no tax rate (U.S. average rate, until you pick your state)+ $18
Miles: you drive 12,000 a year, the lease covers 9,996+ $19
Insurance, our estimate for the U.S. average (range $140 to $210). Type yours.+ $175
Gas, our estimate+ $133
All in, each month$644
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 ad says $299 a month. With everything added, it is $677 a month. The biggest piece is insurance, $164 a month (our estimate for the U.S. average, $131 to $197; type yours).
The ad says$299
Tax, our estimate, because the ad gives no tax rate (U.S. average rate, until you pick your state)+ $18
Miles: you drive 12,000 a year, the lease covers 9,228+ $38
Insurance, our estimate for the U.S. average (range $131 to $197). Type yours.+ $164
Gas, our estimate+ $158
All in, each month$677
If you pay the ad’s end-of-lease rate instead: +$20 a month ($0.25 a mile, as the ad states).
SwapALease, read Oct 30. Insurance and gas are estimates, not quotes.
Photo of this model from another year, not this exact car.
2027 Honda HR-V LX
$699a month, everything in
New lease
A new lease from the dealer. You sign for 36 months, with money due at signing.
The ad says $249 a month. With everything added, it is $699 a month. The biggest piece is insurance, $165 a month (our estimate for the U.S. average, $132 to $198; type yours).
The ad says$249
Money due when you sign ($3,350), spread over 36 months+ $93
Tax, our estimate, because the ad gives no tax rate (U.S. average rate, until you pick your state)+ $15
Miles: you drive 12,000 a year, the lease covers 10,000+ $19
Insurance, our estimate for the U.S. average (range $132 to $198). Type yours.+ $165
Gas, our estimate+ $158
All in, each month$699
If you pay the ad’s end-of-lease rate instead: +$23 a month ($0.25 a mile, as the ad states).
Honda offers page, read Oct 30. Insurance and gas are estimates, not quotes.
The ad says $439 a month. With everything added, it is $822 a month. The biggest piece is insurance, $180 a month (our estimate for the U.S. average, $144 to $216; type yours).
The ad says$439
Tax, our estimate, because the ad gives no tax rate (U.S. average rate, until you pick your state)+ $26
Miles: you drive 12,000 a year, the lease covers 9,996+ $19
Insurance, our estimate for the U.S. average (range $144 to $216). Type yours.+ $180
Gas, our estimate+ $158
All in, each month$822
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.
Photo: Charles from Port Chester, New York, CC BY 2.0
Photo of this model from another year, not this exact car.
2023 Kia Sportage Hybrid EX
$823a month, everything in
Take-overWe could not check this one
You take over someone’s lease. You pay their last 55 months.
Needs the leasing company’s approval.
Lease ends May 2031 (55 months left)
55 months left, about $45,300 in all. Transfer fee $500 (assumed).
We could not confirm this deal’s numbers, so we rank it on the higher cost.
The ad says $497 a month. With everything added, it is $823 a month. Most of the difference is insurance, $175 a month (our estimate for the U.S. average, $140 to $210; type yours).
The ad says$497
Transfer fee we assumed ($500), spread over 55 months+ $9
Tax, our estimate, because the ad gives no tax rate (U.S. average rate, until you pick your state)+ $30
Miles: you drive 12,000 a year, the lease covers 16,364+ $0
Insurance, our estimate for the U.S. average (range $140 to $210). Type yours.+ $175
Gas, our estimate+ $112
All in, each month$823
LeaseTrader, read Oct 30. Insurance and gas are estimates, not quotes.
The ad says $459 a month. With everything added, it is $823 a month. Most of the difference is insurance, $225 a month (our estimate for the U.S. average, $162 to $288; type yours).
The ad says$459
Transfer fee ($625), spread over 9 months+ $69
Miles: you drive 12,000 a year, the lease covers 13,864+ $0
Insurance, our estimate for the U.S. average (range $162 to $288). Type yours.+ $225
Charging at home, our estimate+ $70
All in, each month$823
Leasehackr private transfers, read Oct 30. Insurance and charging are estimates, not quotes.
