Real Lease Cost™ (everything you pay, each month): $739 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 $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 36 monthsSource: The ad's own fees; a $500 transfer fee is assumed when the ad gives none. Read with the ad, Oct 31.+ $46
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.+ $21
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: $165 (range $130 to $200). Your own quote may differ. Type yours.Kia K4 quotes run $130 to $200 a month (The Zebra, read Oct 19) → middle $165 × 1.00 (U.S. average) = $165 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.+ $165
Gas, our estimate12,000 mi a year÷about 33 mpg(middle of the EPA figures for the 2025 K4)=363.6 gallons×$4.269 a gallon(EIA U.S. average regular, week of Oct 26)=$1,552 a year=$129 a monthcity 29 to highway 39Source: U.S. Energy Information Administration (gas, week of Oct 26; electricity, August 2026). Read Oct 30.+ $129
At 12,000 miles a year and U.S. average costs, 52 of the 137 similar small cars we price today cost more than this one.
vs 137 small car 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 38 of every 100 similar small cars we price today cost more than this one. Pool: the live ranked small car 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 $318 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 Kia K4
Monthly payment in the ad
$359 plus tax
Months on the lease
36
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 36 months
$46 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
$405
Tax, each month
$21
Monthly cost after tax
$426
Lease cost over all the months, before tax
$14,565
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
$165 a month for the U.S. average (range $130 to $200). 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
Gas, our estimate
$129 a month (about 33 mpg, middle of the EPA figures for the 2025 K4; EIA U.S. average regular, week of Oct 26)
Real Lease Cost, each month
$739
Real Lease Cost, over all the months, our estimate
$26,604
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
$405
Effective monthly, after tax
$426
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More deals like this (6 cars)
More Kia deals
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 $739 a month
2026 Hyundai ELANTRA
A drawing of this kind of car, not a photo of it.
2026 Hyundai ELANTRA Offer 1 of 4 on this model
Real Lease Cost:$641a month, estimate
New leaseGasCosts less than most similar cars
A new lease from the dealer. You sign for 36 months, with money due at signing.
Offer ends Nov 7 (in 7 days)
Only one site lists this. Not confirmed.
Gas $126/mo: about 34 mpg (EPA), U.S. average price
Ad$267
Real$641
+$374 we added, most of it estimate
Why +$374? insurance $165, gas $126, fees $48, extra miles $19, tax $16
The listed payment is $267 a month. With everything added, it is $641 a month. The biggest piece is insurance, $165 a month (our estimate for the U.S. average, $130 to $200; type yours).
The listed payment$267
Money due when you sign ($1,733), spread over 36 months+ $48
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.)+ $16
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+ $126
Real Lease Cost, each month$641
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 from another year, not this exact car.
2026 Hyundai Elantra Hybrid BLUEOffer 2 of 4 on this model
Real Lease Cost:$641a month, estimate
New leaseHybridCosts less than most similar cars
A new lease from the dealer. You sign for 36 months, with money due at signing.
Offer ends Nov 2 (in 2 days)
Only one site lists this. Not confirmed.
Gas $79/mo: 54 mpg (EPA), U.S. average price
Ad$269
Real$641
+$372 we added, most of it estimate
Why +$372? insurance $165, fees $93, gas $79, extra miles $19, tax $16
The listed payment is $269 a month. With everything added, it is $641 a month. The biggest piece is insurance, $165 a month (our estimate for the U.S. average, $130 to $200; type yours).
The listed payment$269
Money due when you sign ($3,330), spread over 36 months+ $93
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.)+ $16
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
Hybrid: gas, our estimate+ $79
Real Lease Cost, each month$641
If you pay the ad’s end-of-lease rate instead: +$23 a month ($0.25 a mile, as the ad states).
Hyundai offers page, read Oct 30. Insurance and gas are estimates, not quotes.
The listed payment is $175 a month. With everything added, it is $643 a month. The biggest piece is insurance, $170 a month (our estimate for the U.S. average, $135 to $205; type yours).
The listed payment$175
Money due when you sign ($2,413), spread over 24 months+ $101
Tax, at the rate the ad states+ $17
Miles: you drive 12,000 a year, the lease covers 7,500+ $38
Insurance, our estimate for the U.S. average (range $135 to $205). Type yours.+ $170
Gas, our estimate+ $142
Real Lease Cost, each month$643
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.
