Real Lease Cost™ (everything you pay, each month): $688 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 $311. 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 themLeasehackr Marketplace (broker offers)gas SUV Only one site lists this. Not confirmed.
Only one site lists this, so check it before you pay.
SUV body style, no photo for this model
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.$311
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.+ $19
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: $175 (range $140 to $210). Your own quote may differ. Type yours.Kia SPORTAGE quotes run $140 to $210 a month (The Zebra, read Oct 19) → middle $175 × 1.00 (U.S. average) = $175 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.+ $175
Gas, our estimate12,000 mi a year÷about 26 mpg(middle of the EPA figures for the 2025 SPORTAGE)=461.5 gallons×$4.269 a gallon(EIA U.S. average regular, week of Oct 26)=$1,970 a year=$164 a monthcity 23 to highway 30Source: U.S. Energy Information Administration (gas, week of Oct 26; electricity, August 2026). Read Oct 30.+ $164
At 12,000 miles a year and U.S. average costs, 421 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 93 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 $267 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 SPORTAGE
Monthly payment in the ad
$311 plus tax
Months on the lease
36
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
$311
Tax, each month
$19
Monthly cost after tax
$330
Lease cost over all the months, before tax
$11,196
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
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
$175 a month for the U.S. average (range $140 to $210). 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
$164 a month (about 26 mpg, middle of the EPA figures for the 2025 SPORTAGE; EIA U.S. average regular, week of Oct 26)
Real Lease Cost, each month
$688
Real Lease Cost, over all the months, our estimate
$24,768
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
not stated
Effective monthly, before tax
$311
Effective monthly, after tax
$330
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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 $688 a month
Photo of this model, not this exact car.
2025 Cadillac LYRIQ LuxuryOffer 1 of 4 on this model
Real Lease Cost:$594a month, estimate
Take-overElectricOne of the lowest costs for this kind of car
You take over someone’s lease. You pay their last 13 months.
Needs the leasing company’s approval.
Lease ends Dec 2027 (13 months left)
13 months left, about $7,700 in all. Transfer fee $500 (assumed). Seller pays you $10,400.
Only one site lists this. Not confirmed.
Charging $70/mo: EPA figure for this model at U.S. average home rates.
The listed payment is $1,032 a month. The seller says they will pay you $10,400 to take it over, about $800 a month, which brings the real cost down to $594 a month with everything added.
The listed payment$1,032
Cash the seller says they will pay you, each month- $800
Transfer fee we assumed ($500), spread over 13 months+ $38
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.)+ $64
Miles: you drive 12,000 a year, the lease covers 25,477+ $0
Insurance, our estimate for the U.S. average (range $152 to $228). Type yours.+ $190
Electric: charging at home, our estimate+ $70
Real Lease Cost, each month$594
LeaseTrader, read Oct 31. Insurance and charging are estimates, not quotes.
The listed payment is $259 a month. With everything added, it is $599 a month. Most of the difference is insurance, $182 a month (our estimate for the U.S. average, $146 to $218; type yours).
The listed payment$259
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 12,000+ $0
Insurance, our estimate for the U.S. average (range $146 to $218). Type yours.+ $182
Gas, our estimate+ $142
Real Lease Cost, each month$599
Leasehackr Marketplace (broker offers), read Oct 31. Insurance and gas are estimates, not quotes.
The listed payment is $321 a month. With everything added, it is $602 a month. Most of the difference is insurance, $170 a month (our estimate for the U.S. average, $135 to $205; type yours).
The listed payment$321
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 12,000+ $0
Insurance, our estimate for the U.S. average (range $135 to $205). Type yours.+ $170
Hybrid: gas, our estimate+ $91
Real Lease Cost, each month$602
Leasehackr Marketplace (broker offers), read Oct 31. Insurance and gas are estimates, not quotes.
