Real Lease Cost

2026 Honda Accord SE CVT - Moonroof

Ad $297$704/mo all-in estimate

$1,677 due at signing, besides the first payment (in the monthly).

Open the original listing (leaves our site)

It opens the seller’s own calculator on Leasehackr.

The receipt

The listed payment$297

  1. Fees at signing+ $47
  2. Tax+ $32
  3. Extra miles+ $19
  4. Insurance (about)+ $175
  5. Gas (about)+ $134

Real Lease Cost™ (everything you pay), each month$704

Sources and read dates
  • The listed payment the Leasehackr pre-negotiated board listing, read Nov 5.
  • Fees at signing the Leasehackr pre-negotiated board listing, read Nov 5. Where the ad gives no fees, we assume a $500 transfer fee, or the typical money due at signing.
  • Tax State revenue department pages, 50 of 51 states sourced. Read Oct 30.
  • Extra miles the Leasehackr pre-negotiated board listing, read Nov 5. 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

Offer ends Nov 30

Your miles or state are different?

Change

Answer the three questions on the home page

Listed in Northern California New lease Collection at the dealer; shipping is sometimes possible at extra cost, so ask them Leasehackr pre-negotiated board Gas Sedan Seller’s own numbers

These are the numbers the seller states. We did not confirm them with the seller or the leasing company.

2026 Honda Accord (photo for reference, not the listed car)
Photo of this model from another year, not this exact car. Credit: MercurySable99, CC BY-SA 4.0, via Wikimedia Commons

Board deal. Total due at signing: $1,974 (first payment $297 plus fees $1,677). No extra down payment.

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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Incentives

  • We did not read any incentive for this offer. That does not mean there is none. Ask the dealer about lease cash, loyalty, military and college graduate offers.

Rule: an incentive counts only when its source says it comes on top of the advertised payment, so nothing is taken off twice. Offers for a group count only when you say you are in it.

Real Lease Check™

How this price compares

About even with similar cars

At 12,000 miles a year and U.S. average costs, 75 of the other 105 similar small cars we price today cost more than this one.

vs 105 small car 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 71 of every 100 similar small cars we price today cost more than this one. Pool: the live ranked small car 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 5, 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 $204 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 Honda Accord SE CVT - Moonroof
Monthly payment in the ad$297 plus tax
Months on the lease36
Total due at signing$1,974 (first payment $297 plus fees $1,677). We count all of it.
That $1,677, spread over 36 months$47 a month
Sticker price$32,115 (as stated by the source)
Tax rate used10.75% (as the source states). Basis: stated before tax
Monthly cost before tax, money due at signing spread out$344
Tax, each month$32
Monthly cost after tax$376
Lease cost over all the months, before tax$12,369
Transfer feenone stated by the source
Cash the seller says they will pay you$0
Miles a year the lease allows10,000
Extra miles to reach your 12,000 a yearYou 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 Oct 19, 2026. Full coverage, a typical driver with a clean record. Source and date
Gas, our estimate$134 a month (EPA combined 31 mpg, 2026 Accord SE CVT - Moonroof; EIA U.S. average regular, week of Nov 2)
Real Lease Cost, each month$704
Real Lease Cost, over all the months, our estimate$25,344
Listing statuslive
Source readNov 5, 2026
For the experts: the exact lease terms
Lease terms for experts
When it endsOffer ends Nov 30
MSRP$32,115
Cap reductioninside the money due at signing, not split out
Effective monthly, before tax$344
Effective monthly, after tax$376
Effective as a share of MSRP, monthly1.17%
Monthly cost vs sticker price1.2% a month (common; a rule of thumb, not part of the ranking)
All-in cost as a share of MSRP78.9%

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More deals like this (6 cars)

More Honda deals

2026 Honda Accord, a photo of this model, not the listed car

2026 Honda Accord LX Sedan

Ad $268$667/mo all-inestimate

New lease

See this deal: 2026 Honda Accord

Why this price?

GasCosts less than most similar cars

Ad$268

Real$667

Grey is the ad. Violet is what we add. Gold stripes are our estimates.

+$399 we added. Most of it is our estimate.

Why +$399? insurance $175, gas $130, fees $46, tax $29, extra miles $19

More
Cheapest of 2 Accord offers nationwide

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

$1,673 due at signing, besides the first payment (in the monthly).

Seller’s own numbers

Gas $130/mo: about 32 mpg (EPA), U.S. average price

Offer ends Nov 30

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

The listed payment is $268 a month. With everything added, it is $667 a month. The biggest piece is insurance, $175 a month (our estimate for the U.S. average, $140 to $210; type yours).

The listed payment$268

  1. Fees due when you sign ($1,673), spread over 36 months+ $46
  2. Tax, at the rate the ad states+ $29
  3. Miles: you drive 12,000 a year, the lease covers 10,000+ $19
  4. Insurance (about) for the U.S. average (range $140 to $210). Type yours.+ $175
  5. Gas (about)+ $130

Real Lease Cost, each month$667

If you pay the ad’s end-of-lease rate instead: +$23 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: MercurySable99, CC BY-SA 4.0

2026 Honda Civic

2026 Honda Civic

Ad $295$718/mo all-inestimate

New lease

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

See this deal: 2026 Honda Civic

Why this price?

GasAbout even with similar cars

Ad$295

Real$718

+$423 we added. Most of it is our estimate.

Why +$423? gas $152, insurance $142, typical money due at signing $92, extra miles $19, tax $18

More
Cheapest of 3 Civic 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 $152/mo: about 34 mpg (EPA), U.S. average price

Offer ends Nov 12 (in 7 days)

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

The listed payment is $295 a month. With everything added, it is $718 a month. The biggest piece is our gas estimate, $152 a month.

The listed payment$295

  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.)+ $18
  3. Miles: you drive 12,000 a year, the lease covers 10,000+ $19
  4. Insurance (about) for the U.S. average (range $114 to $170). Type yours.+ $142
  5. Gas (about)+ $152

Real Lease Cost, each month$718

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

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

2026 Honda Civic

2026 Honda Civic

Ad $297$720/mo all-inestimate

New lease

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

See this deal: 2026 Honda Civic

Why this price?

GasAbout even with similar cars

Ad$297

Real$720

+$423 we added. Most of it is our estimate.

Why +$423? gas $152, insurance $142, typical money due at signing $92, extra miles $19, tax $18

More
2nd cheapest of 3 Civic 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 $152/mo: about 34 mpg (EPA), U.S. average price

Offer ends Nov 12 (in 7 days)

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

The listed payment is $297 a month. With everything added, it is $720 a month. The biggest piece is our gas estimate, $152 a month.

The listed payment$297

  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.)+ $18
  3. Miles: you drive 12,000 a year, the lease covers 10,000+ $19
  4. Insurance (about) for the U.S. average (range $114 to $170). Type yours.+ $142
  5. Gas (about)+ $152

Real Lease Cost, each month$720

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

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

Other cars near $704 a month

2025 Chevrolet Equinox, a photo of this model, not the listed car

2025 Chevrolet Equinox EV 2LT

Ad $400$607/mo all-inestimate

Take-over, seller cash $2,139

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

See this deal: 2025 Chevrolet Equinox

Why this price?

Electric

Ad$400

Real$607

+$207 we added. Most of it is our estimate.

Why +$207? insurance $178, charging $59, tax $24, fees $17, minus cash the seller pays you $71

More
2nd cheapest of 7 Equinox offers nationwide

The seller says they will pay you $2,139, via LeaseTrader. Counted in the price.

You take over someone’s lease. You pay their last 30 months.

Transfer fee about $500 (in the monthly).

Needs the leasing company’s approval.

Charging $59/mo: EPA figure for this model at U.S. average home rates.

Assumes you charge at home.

Lease ends May 2029 (30 months left)

30 months left, about $18,200 in all. Transfer fee about $500. Seller pays you $2,139.

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

The listed payment is $400 a month. The seller says they will pay you $2,139 to take it over, about $71 a month. With everything added, the real cost is $607 a month. Most of the difference is insurance, $178 a month (our estimate for the U.S. average, $140 to $215; type yours).

The listed payment$400

  1. Cash the seller says they will pay you, each month- $71
  2. Transfer fee about $500 (the listing does not say), spread over 30 months+ $17
  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.)+ $24
  4. Miles: you drive 12,000 a year, the lease covers about 12,892 a year (from the miles left and months left)+ $0
  5. Insurance (about) for the U.S. average (range $140 to $215). Type yours.+ $178
  6. Electric: charging at home (about)+ $59

Real Lease Cost, each month$607

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

Photo of this model, not this exact car. Photo: Elise240SX, CC BY-SA 4.0

2024 GMC Sierra EV, a photo of this model, not the listed car

2024 GMC Sierra EV Denali

Ad $726$617/mo all-inestimate

Take-over, seller cash $7,000

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

See this deal: 2024 GMC Sierra EV

Why this price?

Electric

Ad$726

Real$617

$109 less than the ad, after the seller’s cash

More

The seller says they will pay you $7,000, via LeaseTrader. Counted in the price.

You take over someone’s lease. You pay their last 15 months.

Transfer fee about $500 (in the monthly).

Needs the leasing company’s approval.

Charging $70/mo: A typical figure for electric cars, not this car’s rating at U.S. average home rates.

Assumes you charge at home.

Lease ends Jan 2028 (15 months left)

15 months left, about $9,300 in all. Transfer fee about $500. Seller pays you $7,000.

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

The listed payment is $726 a month. The seller says they will pay you $7,000 to take it over, about $467 a month, which brings the real cost down to $617 a month with everything added.

The listed payment$726

  1. Cash the seller says they will pay you, each month- $467
  2. Transfer fee about $500 (the listing does not say), spread over 15 months+ $33
  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.)+ $45
  4. Miles: you drive 12,000 a year, the lease covers about 11,081 a year (from the miles left and months left)+ $19
  5. Insurance (about) for the U.S. average (range $153 to $229). Type yours.+ $191
  6. Electric: charging at home (about)+ $70

Real Lease Cost, each month$617

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

Photo of this model, not this exact car. Photo: Deathpallie325, CC BY-SA 4.0

2025 Buick Envista, a photo of this model, not the listed car

2025 Buick Envista

Ad $249$627/mo all-inestimate

New lease

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

See this deal: 2025 Buick Envista

Why this price?

Gas

Ad$249

Real$627

+$378 we added. Most of it is our estimate.

Why +$378? insurance $175, gas $138, fees $31, extra miles $19, tax $15

More
Cheapest of 2 Envista offers nationwide

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

$751 due at signing, besides the first payment (in the monthly).

Gas $138/mo: 30 mpg (EPA), U.S. average price

Offer ends Nov 12 (in 7 days)

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

The listed payment is $249 a month. With everything added, it is $627 a month. The biggest piece is insurance, $175 a month (our estimate for the U.S. average, $126 to $224; type yours).

The listed payment$249

  1. Fees due when you sign ($751), spread over 24 months+ $31
  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.)+ $15
  3. Miles: you drive 12,000 a year, the lease covers 10,000+ $19
  4. Insurance (about) for the U.S. average (range $126 to $224). Type yours.+ $175
  5. Gas (about)+ $138

Real Lease Cost, each month$627

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

Photo of this model, not this exact car. Photo: Cutlass, CC0