Real Lease Cost

2025 Toyota Tacoma SR5

A take-over means you take over someone else’s lease. The leasing company must approve you, and may charge a fee.

Ad $378$889/mo all-in estimate

Transfer fee about $500 (in the monthly).

Open the original listing (leaves our site)

The receipt

The listed payment$378

  1. Transfer fee (about)+ $26
  2. Tax (about)+ $23
  3. Extra miles+ $86
  4. Insurance (about)+ $178
  5. Gas (about)+ $198

Real Lease Cost™ (everything you pay), each month$889

Sources and read dates
  • The listed payment the SwapALease listing, read Nov 4.
  • Transfer fee (about) the SwapALease listing, read Nov 4. Where the ad gives no fees, we assume a $500 transfer fee, or the typical money due at signing.
  • Tax (about) State revenue department pages, 50 of 51 states sourced. Read Oct 30.
  • Extra miles the SwapALease listing, read Nov 4. Where the ad gives no per-mile rate, we use $0.25 a mile.
  • Insurance (about) The Zebra model quotes and MoneyGeek 2025 state averages. Quotes read Oct 19, state table read Oct 30.
  • Gas (about) U.S. Energy Information Administration (gas, week of Nov 2; electricity, August 2026). Read Nov 5.

about = our guess

See the math

How each part is worked out:

Gas Runs on gas only.

This adds payment, tax, miles, insurance and gas at 12,000 miles a year at U.S. average prices. 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

Lease ends about Jun 2028 (19 months left)

Your miles or state are different?

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Listed in NY Take-over SwapALease Gas Truck Only one site lists this. Not confirmed.

Only one site lists this, so check it before you pay.

2025 Toyota Tacoma (photo for reference, not the listed car)
Photo of this model from another year, not this exact car. Credit: Mr.choppers, CC BY-SA 3.0, via Wikimedia Commons

Read from SwapALease on Nov 4, 2026. Tax status not recorded, so tax is added here (tax assumed).

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.

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What a take-over means

You take over someone’s lease. You pay their last 19 months. The months and the miles are theirs, not new ones.

The leasing company must approve you.

  • Model year: 2025.
  • Miles left on the lease: about 12,500, as the listing states them.
  • Transfer fee: about $500 (the listing does not say). Ask the leasing company (the bank that owns the car), not the seller.

Real Lease Check™

How this price compares

Not confirmed, so we do not call it low

At 12,000 miles a year and U.S. average costs, 121 of the other 148 similar trucks we price today cost more than this one.

vs 148 truck 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 82 of every 100 similar trucks we price today cost more than this one. Pool: the live ranked truck deals we read, luxury makes with luxury makes only, each priced at the same miles and costs. A car that is not confirmed counts at its worse number.

Facts stated by the source on Nov 4, 2026.

The cheapest live car in the table is the 2026 Toyota Tundra with a Real Lease Cost of $500 a month. This car is $389 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
Monthly payment in the ad$378 plus tax
Months on the lease19
Sticker pricenot in the listing
Tax rate used6.10% (our estimate, the source stated none)
Monthly cost before tax, money due at signing spread out$404
Tax, each month$23
Monthly cost after tax$427
Lease cost over all the months, before tax$7,682
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 frontnot stated by the source, counted as $0 until you confirm
Miles a year the lease allows7,895
Extra miles to reach your 12,000 a yearYou drive 4,105 miles a year more than the lease allows. At $0.25 a mile (as the ad states) that is $86 a month.
Insurance, our estimate$178 a month for the U.S. average (range $140 to $215). We use the middle of the range. Source: The Zebra's national average for this model, read Oct 19, 2026. Full coverage, a typical driver with a clean record. Source and date
Gas, our estimate$198 a month (about 21 mpg, middle of the EPA figures for the 2025 Tacoma; EIA U.S. average regular, week of Nov 2)
Real Lease Cost, each month$889
Real Lease Cost, over all the months, our estimate$16,891
Listing statuslive
Source readNov 4, 2026
For the experts: the exact lease terms
Lease terms for experts
When it endsLease ends about Jun 2028 (19 months left)
MSRPnot in the listing
Cap reductionnot stated
Effective monthly, before tax$404
Effective monthly, after tax$427

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More deals like this (6 cars)

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2026 Toyota Tundra, a photo of this model, not the listed car

2026 Toyota Tundra CrewMax Platinum

Ad $1,088$500/mo all-inestimate

Take-over, seller cash $34,804

Only one site lists this. Check it before you pay.

See this deal: 2026 Toyota Tundra

Why this price?

Gas

Ad$1,088

Real$500

Grey is the ad. Violet is what we add. Gold stripes are our estimates. Dashed: cash the seller pays you.

$588 less than the ad, after the seller’s cash

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Cheapest of 8 Tundra offers nationwide

The seller says they will pay you $34,804, via LeaseTrader. Counted in the price.

You take over someone’s lease. You pay their last 33 months.

Transfer fee about $500 (in the monthly).

Needs the leasing company’s approval.

Gas $208/mo: about 20 mpg (EPA), U.S. average price

Lease ends Jul 2029 (33 months left)

33 months left, about $16,500 in all. Transfer fee about $500. Seller pays you $34,804.

Everything included: payment, tax, miles, insurance, gas.

The listed payment is $1,088 a month. The seller says they will pay you $34,804 to take it over, about $1,055 a month, which brings the real cost down to $500 a month with everything added.

The listed payment$1,088

  1. Cash the seller says they will pay you, each month- $1,055
  2. Transfer fee about $500 (the listing does not say), spread over 33 months+ $15
  3. Tax (about), because the ad gives no tax rate (6.1% national estimate, until you pick your state. Type your own rate in Your numbers.)+ $66
  4. Miles: you drive 12,000 a year, the lease covers about 16,262 a year (from the miles left and months left)+ $0
  5. Insurance (about) for the U.S. average (range $142 to $214). Type yours.+ $178
  6. Gas (about)+ $208

Real Lease Cost, each month$500

LeaseTrader, read Nov 5. Insurance and gas are estimates, not quotes. about = our guess.

Photo of this model, not this exact car. Photo: Gogerr, CC BY-SA 4.0

2026 Toyota Corolla, a photo of this model, not the listed car

2026 Toyota Corolla LE

Ad $227$527/mo all-inestimate

Take-over, seller cash $2,500

Only one site lists this. Check it before you pay.

See this deal: 2026 Toyota Corolla

Why this price?

Gas

Ad$227

Real$527

+$300 we added. Most of it is our estimate.

Why +$300? insurance $165, gas $122, extra miles $64, fees $16, tax $14, minus cash the seller pays you $81

More
Cheapest of 8 Corolla offers nationwide

The seller says they will pay you $2,500, via LeaseTrader. Counted in the price.

You take over someone’s lease. You pay their last 31 months.

Transfer fee about $500 (in the monthly).

Needs the leasing company’s approval.

Gas $122/mo: about 34 mpg (EPA), U.S. average price

Lease ends May 2029 (31 months left)

31 months left, about $16,300 in all. Transfer fee about $500. Seller pays you $2,500.

Everything included: payment, tax, miles, insurance, gas.

The listed payment is $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 $527 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$227

  1. Cash the seller says they will pay you, each month- $81
  2. Transfer fee about $500 (the listing does not say), spread over 31 months+ $16
  3. Tax (about), because the ad gives no tax rate (6.1% national estimate, until you pick your state. Type your own rate in Your numbers.)+ $14
  4. Miles: you drive 12,000 a year, the lease covers about 8,946 a year (from the miles left and months left)+ $64
  5. Insurance (about) for the U.S. average (range $130 to $200). Type yours.+ $165
  6. Gas (about)+ $122

Real Lease Cost, each month$527

LeaseTrader, read Nov 5. Insurance and gas are estimates, not quotes. about = our guess.

Photo of this model from another year, not this exact car. Photo: HJUdall, CC0

2026 Toyota RAV4, a photo of this model, not the listed car

2026 Toyota RAV4 LE

Ad $279$672/mo all-inestimate

New lease

See this deal: 2026 Toyota RAV4

Why this price?

GasOne of the lowest costs for this kind of car

Ad$279

Real$672

+$393 we added. Most of it is our estimate.

Why +$393? insurance $182, gas $99, fees $95, tax $17

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Cheapest of 7 RAV4 offers nationwide

A new lease from the dealer. You sign for 39 months.

$3,720 due at signing, besides the first payment (in the monthly).

From the carmaker’s own offers page

Gas $99/mo: 42 mpg (EPA), U.S. average price

Offer ends Nov 30

Everything included: payment, tax, miles, insurance, gas.

The listed payment is $279 a month. With everything added, it is $672 a month. The biggest piece is insurance, $182 a month (our estimate for the U.S. average, $146 to $218; type yours).

The listed payment$279

  1. Fees due when you sign ($3,720), spread over 39 months+ $95
  2. Tax (about), because the ad gives no tax rate (6.1% national estimate, until you pick your state. Type your own rate in Your numbers.)+ $17
  3. Miles: you drive 12,000 a year, the lease covers 12,000+ $0
  4. Insurance (about) for the U.S. average (range $146 to $218). Type yours.+ $182
  5. Gas (about)+ $99

Real Lease Cost, each month$672

Toyota offers page, read Nov 5. Insurance and gas are estimates, not quotes. about = our guess.

Photo of this model from another year, not this exact car. Photo: RL GNZLZ from Chile, CC BY-SA 2.0

Other cars near $889 a month

2026 Hyundai Santa Fe Hybrid, a photo of this model, not the listed car

2026 Hyundai Santa Fe Hybrid SE AWD

Ad $338$789/mo all-inestimate

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See this deal: 2026 Hyundai Santa Fe Hybrid

Why this price?

HybridCosts less than most similar cars

Ad$338

Real$789

+$451 we added. Most of it is our estimate.

Why +$451? insurance $191, gas $122, fees $65, extra miles $38, tax $35

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Cheapest of 3 Santa Fe Hybrid offers nationwide

A new lease from the dealer. You sign for 36 months.

$2,351 due at signing, besides the first payment (in the monthly).

Seller’s own numbers

Gas $122/mo: 34 mpg (EPA), U.S. average price

Offer ends Nov 30

Everything included: payment, tax, miles, insurance, gas.

The listed payment is $338 a month. With everything added, it is $789 a month. The biggest piece is insurance, $191 a month (our estimate for the U.S. average, $153 to $229; type yours).

The listed payment$338

  1. Fees due when you sign ($2,351), spread over 36 months+ $65
  2. Tax, at the rate the ad states+ $35
  3. Miles: you drive 12,000 a year, the lease covers 7,500+ $38
  4. Insurance (about) for the U.S. average (range $153 to $229). Type yours.+ $191
  5. Hybrid: gas (about)+ $122

Real Lease Cost, each month$789

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 Nov 5. Insurance and gas are estimates, not quotes. about = our guess.

Photo of this model from another year, not this exact car. Photo: Alexander Migl, CC BY-SA 4.0

2026 Subaru Crosstrek, a photo of this model, not the listed car

2026 Subaru Crosstrek

Ad $321$789/mo all-inestimate

New lease

Only one site lists this. Check it before you pay.

See this deal: 2026 Subaru Crosstrek

Why this price?

Gas

Ad$321

Real$789

+$468 we added. Most of it is our estimate.

Why +$468? insurance $170, gas $148, typical money due at signing $92, extra miles $38, tax $20

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2nd cheapest of 4 Crosstrek offers nationwide

A new lease from the dealer. You sign for 36 months.

Not in the ad: typical $3,315 due at signing used (in the monthly). Ask before you sign.

Gas $148/mo: about 28 mpg (EPA), U.S. average price

Offer ends Nov 12 (in 7 days)

Everything included: payment, tax, miles, insurance, gas.

The listed payment is $321 a month. With everything added, it is $789 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$321

  1. Money due at signing: the ad does not say. We added $92 a month, the typical amount (median of 148 ads that state it in the same price band, read Nov 3 to Nov 5).+ $92
  2. Tax (about), because the ad gives no tax rate (6.1% national estimate, until you pick your state. Type your own rate in Your numbers.)+ $20
  3. Miles: you drive 12,000 a year, the lease covers 7,500+ $38
  4. Insurance (about) for the U.S. average (range $135 to $205). Type yours.+ $170
  5. Gas (about)+ $148

Real Lease Cost, each month$789

If you pay the ad’s end-of-lease rate instead: +$56 a month ($0.25 a mile, as the ad states).

Leasehackr Marketplace (broker offers), read Nov 5. Insurance and gas are estimates, not quotes. about = our guess.

Photo of this model from another year, not this exact car. Photo: Alexander-93, CC BY-SA 4.0

2026 Mercedes-Benz GLA

2026 Mercedes-Benz GLA

Ad $225$789/mo all-inestimate

New lease

Only one site lists this. Check it before you pay.

See this deal: 2026 Mercedes-Benz GLA

Why this price?

Gas

Ad$225

Real$789

+$564 we added. Most of it is our estimate.

Why +$564? insurance $198, gas $178, fees $136, extra miles $38, tax $14

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2nd cheapest of 5 GLA offers nationwide

A new lease from the dealer. You sign for 24 months.

$3,275 due at signing, besides the first payment (in the monthly).

Gas $178/mo: about 29 mpg (EPA), U.S. average price

Offer ends Nov 12 (in 7 days)

Everything included: payment, tax, miles, insurance, gas.

The listed payment is $225 a month. With everything added, it is $789 a month. The biggest piece is insurance, $198 a month (our estimate for the U.S. average, $160 to $235; type yours).

The listed payment$225

  1. Fees due when you sign ($3,275), spread over 24 months+ $136
  2. Tax (about), because the ad gives no tax rate (6.1% national estimate, until you pick your state. Type your own rate in Your numbers.)+ $14
  3. Miles: you drive 12,000 a year, the lease covers 7,500+ $38
  4. Insurance (about) for the U.S. average (range $160 to $235). Type yours.+ $198
  5. Gas (about)+ $178

Real Lease Cost, each month$789

If you pay the ad’s end-of-lease rate instead: +$56 a month ($0.25 a mile, as the ad states).

Leasehackr Marketplace (broker offers), read Nov 5. Insurance and gas are estimates, not quotes. about = our guess.

A drawing of this kind of car, not a photo of it.