$1,068 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 $654. The receipt adds every step between the two.
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2026 Ford Explorer ST
Elkhart
Advertised payment$654
Tax, fees and cash, spread over 28 months; tax rate not stated by the source, national default, estimate+ $23
Miles: 15,059 in the contract, you drive 12,000overage at $0.25 a mile, as the source states+ $0
Insurance, estimate ($150 to $225)national estimate, per model; band $150 to $225 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
Fuel, estimate23 mpg at $4.269/gal; EIA U.S. average, week of 2026-10-26 (read 2026-10-30)+ $186
All-in a month$1,068
Transfer fee assumed at $500. Confirm with the lessor, not the seller.
Confirm every number with the seller or the lessor 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.
The cheapest live car in the table is the 2026 Toyota Corolla at $562 all-in. This car is $506 a month more than that.
This table is priced at 12,000 miles a year and U.S. average prices.
The math for 2026 Ford Explorer ST
Headline monthly
$654 plus tax
Term
28 months
MSRP
not stated by the source
Tax rate used
6.00% (assumed, the source stated none). Basis: not stated, tax added here
Effective monthly, before tax
$638
Effective monthly, after tax
$677
Lease cost over the term, before tax
$17,856
Fees inside the due-at-signing figure
$0
Transfer fee, assumed
$500 spread across the term. The source did not state one; confirm with the lessor.
Seller cash to you
$964
Cash you bring
not stated by the source, counted as $0 until you confirm
Miles written into the contract
15,059 a year
Mileage to reach your 12,000 a year
$0 a month (covered). contract covers the target Overage rate $0.25 a mile, as the source states.
Insurance, estimate
$205 a month, band $150 to $225. 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.
Fuel or electricity, estimate
$186 a month (23 mpg at $4.269/gal, EIA U.S. average, week of 2026-10-26 (read 2026-10-30))
All-in per month
$1,068
Effective as a share of MSRP, monthly
MSRP not stated
Leasehackr score, estimate
MSRP not stated
Estimated all-in cost over the term
$29,904
All-in cost as a share of MSRP
MSRP not stated
Liveness
live
Source read
2026-10-30
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Photo of this model from another year, not this exact car. Credit: Mariordo (Mario Roberto Durán Ortiz), CC BY-SA 4.0
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