Real Lease Cost™ (everything you pay, each month): $1,929 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 $1,299. 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 NY New leaseCollection at the dealer; shipping is sometimes possible at extra cost, so ask themRead by handgas SUV Only one site lists this. Not confirmed.
Only one site lists this, so check it before you pay.
Photo of this model from another year, not this exact car. Credit: HJUdall, CC0, via Wikimedia Commons
Read by hand 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.$1,299
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.+ $79
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 31.+ $19
Insurance, our estimate for the U.S. average: $202 (range $162 to $242). Your own quote may differ. Type yours.No quotes for this exact model, so we use AAA’s 2026 full-coverage average for a Medium SUV (gas) ($2,423 a year, five top-selling models, a driver under 65 with 6+ years and no accidents) → × 1.00 (U.S. average) = $202 a month. Range $162 to $242. Full coverage, a typical driver with a clean record.Source: AAA Your Driving Costs 2026 full-coverage class average and MoneyGeek 2025 state averages. Class average read Oct 31, state table read Oct 30.+ $202
Gas, our estimate12,000 mi a year÷about 16 mpg(middle of the EPA figures for the 2026 Escalade ESV)=750.0 gallons×$5.275 a gallon(EIA U.S. average premium, week of Oct 26)=$3,956 a year=$330 a monthcity 14 to highway 18Source: U.S. Energy Information Administration (gas, week of Oct 26; electricity, August 2026). Read Oct 30.+ $330
At 12,000 miles a year and U.S. average costs, 80 of the 480 similar luxury SUVs we price today cost more than this one.
vs 480 luxury 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 17 of every 100 similar luxury SUVs we price today cost more than this one. Pool: the live ranked luxury 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 outside this brand is the 2024 Nissan Ariya with a Real Lease Cost of $421 a month. This car is $1,508 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 2026 Cadillac Escalade ESV
Monthly payment in the ad
$1,299 plus tax
Months on the lease
36
Sticker price
$98,000 (as stated by the source)
Tax rate used
6.10% (our estimate, the source stated none)
Monthly cost before tax, money due at signing spread out
$1,299
Tax, each month
$79
Monthly cost after tax
$1,378
Lease cost over all the months, before tax
$46,764
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
$202 a month for the U.S. average (range $162 to $242). We use the middle of the range. Source: AAA Your Driving Costs 2026, full-coverage class average, read 2026-10-31. Full coverage, a typical driver with a clean record. Source and date
Gas, our estimate
$330 a month (about 16 mpg, middle of the EPA figures for the 2026 Escalade ESV; EIA U.S. average premium, week of Oct 26)
Real Lease Cost, each month
$1,929
Real Lease Cost, over all the months, our estimate
$69,444
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
$98,000
Cap reduction
not stated
Effective monthly, before tax
$1,299
Effective monthly, after tax
$1,378
Effective as a share of MSRP, monthly
1.41%
Monthly cost vs sticker price
1.4% a month (high; a rule of thumb, not part of the ranking)
All-in cost as a share of MSRP
70.9%
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More deals like this (6 cars)
More Cadillac deals
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 $359 a month. With everything added, it is $635 a month. Most of the difference is insurance, $172 a month (our estimate for the U.S. average, $138 to $206; type yours).
The listed payment$359
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.)+ $22
Miles: you drive 12,000 a year, the lease covers 9,996+ $19
Insurance, our estimate for the U.S. average (range $138 to $206). Type yours.+ $172
Electric: charging at home, our estimate+ $63
Real Lease Cost, each month$635
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 charging are estimates, not quotes.
2027 Cadillac Optiq
A drawing of this kind of car, not a photo of it.
2027 Cadillac Optiq Offer 1 of 2 on this model
Real Lease Cost:$647a month, estimate
New leaseElectricOne of the lowest costs for this kind of car
A new lease from the dealer. You sign for 24 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.
Charging $63/mo: EPA figure for this model at U.S. average home rates.
Assumes you charge at home.
Ad$353
Real$647
+$294 we added, most of it estimate
Why +$294? insurance $190, charging $63, tax $22, extra miles $19
The listed payment is $353 a month. With everything added, it is $647 a month. Most of the difference is insurance, $190 a month (our estimate for the U.S. average, $152 to $228; type yours).
The listed payment$353
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.)+ $22
Miles: you drive 12,000 a year, the lease covers 10,000+ $19
Insurance, our estimate for the U.S. average (range $152 to $228). Type yours.+ $190
Electric: charging at home, our estimate+ $63
Real Lease Cost, each month$647
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 charging are estimates, not quotes.
Other cars near $1,929 a month
2026 BMW M4 Competition
A drawing of this kind of car, not a photo of it.
2026 BMW M4 Competition Offer 5 of 6 on this model
Real Lease Cost:$1,829a month, estimate
New leaseGas
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 6 (in 6 days)
Only one site lists this. Not confirmed.
Gas $293/mo: about 18 mpg (EPA), U.S. average price
Ad$1,247
Real$1,829
+$582 we added, most of it estimate
Why +$582? gas $293, insurance $175, tax $76, extra miles $38
