$1,992 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 $355. The receipt adds every step between the two.
Fees, spread over 6 months; includes a $500 transfer fee we assumed (our estimate)+ $1,066
Tax, our estimate (the ad gives no tax rate)+ $22
Miles: the ad does not say how many, so all 12,000 are priced as extraThe ad gives no miles limit, so we price all 12,000 miles a year at $0.15 a mile (as the ad states): $150 a month.+ $150
Insurance, our estimate ($140 to $215)national estimate, per model; band $140 to $215 a month, not a quote. We use a figure in the upper part of the band on purpose, so the total is less likely to come in under what you will pay.+ $205
Gas, our estimate22 mpg at $4.269/gal; EIA U.S. average, week of 2026-10-26 (read 2026-10-30)+ $194
All in, each month$1,992
Transfer fee assumed at $500. Confirm with the leasing company (the bank that owns the car), not the seller.
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.
Unverified. Contract miles over 30,000 a year look wrong. Ranked on the worse number.
The cheapest live car in the table is the 2026 Toyota Corolla at $562 all-in. This car is $1,430 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 Toyota Tacoma SR5 Double Cab
Monthly payment in the ad
$355 plus tax
Months on the lease
6
Sticker price
not in the listing
Tax rate used
6.00% (our estimate, the source stated none). Basis: not stated, tax added here
Monthly cost before tax, money due at signing spread out
$1,421
Tax, each month
$22
Monthly cost after tax
$1,443
Lease cost over all the months, before tax
$8,529
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
$5,900
Miles a year the lease allows
not stated, so every mile you drive is priced as extra
Extra miles to reach your 12,000 a year
The ad gives no miles limit, so we price all 12,000 miles a year at $0.15 a mile (as the ad states): $150 a month.
Insurance, our estimate
$205 a month, band $140 to $215. We use a figure in the upper part of the band on purpose, so the total is less likely to come in under what you will pay.
Gas, our estimate
$194 a month (22 mpg at $4.269/gal, EIA U.S. average, week of 2026-10-26 (read 2026-10-30))
All in, each month
$1,992
All in, over all the months, our estimate
$11,952
Listing status
live
Source read
2026-10-30
For the experts: the exact lease terms
Lease terms for experts
MSRP
not in the listing
Cap reduction
$5,900
Effective monthly, before tax
$1,421
Effective monthly, after tax
$1,443
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Photo of this model from another year, not this exact car. Credit: HJUdall, CC0
Someone’s lease to take over (you pay their last 31 months)
The ad says $227 a month. The seller says they will pay you $2,500 to take it over, about $81 a month. With everything added, the real cost is $562 a month.
