$631 a month all-in (payment, tax, miles, insurance and gas, added up) at 12,000 miles a year at U.S. average prices. The listed payment is $297. 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 CA New leaseCollection at the dealer; shipping is sometimes possible at extra cost, so ask themLeasehackr Marketplace (broker offers)gas Sedan Only one site lists this. Not confirmed.
One public site lists this deal. No second site confirms it.
Sedan body style, no photo for this model
Read from Leasehackr Marketplace (broker offers) on 2026-10-31.
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.
The listed paymentSource: The listing itself, from 14 public sites. Newest read Oct 31.$297
Tax, our estimate, because the ad gives no tax rate (U.S. average rate, until you pick your state)Source: State revenue department pages, 33 of 51 states sourced. Read Oct 30.+ $18
Miles: you drive 12,000 a year, the lease covers 10,000You 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.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: $142 (range $114 to $170). 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 Sedan (gas) ($1,704 a year, five top-selling models, a driver under 65 with 6+ years and no accidents) → × 1.00 (U.S. average) = $142 a month. Range $114 to $170. Full coverage, a typical driver with a clean record.Source: The Zebra model quotes and MoneyGeek 2025 state averages. Quotes read Oct 19, state table read Oct 30.+ $142
Gas, our estimate12,000 mi a year÷about 34 mpg(middle of the EPA figures for the 2026 Civic)=353 gallons×$5.28 a gallon(EIA U.S. average premium, week of Oct 26)=$1,862 a year=$155 a monthcity 30 to highway 38Source: U.S. Energy Information Administration (gas, week of Oct 26; electricity, August 2026). Read Oct 30.+ $155
The cheapest live car in the table is the 2026 Toyota Corolla at $531 all-in. This car is $100 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 Civic Civic
Monthly payment in the ad
$297 plus tax
Months on the lease
36
Sticker price
$31,890 (as stated by the source)
Tax rate used
6.00% (our estimate, the source stated none)
Monthly cost before tax, money due at signing spread out
$297
Tax, each month
$18
Monthly cost after tax
$315
Lease cost over all the months, before tax
$10,692
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
10,000
Extra miles to reach your 12,000 a year
You 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
$142 a month for the U.S. average (range $114 to $170). 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
$155 a month (about 34 mpg, middle of the EPA figures for the 2026 Civic; EIA U.S. average premium, week of Oct 26)
All in, each month
$631
All in, over all the months, our estimate
$22,716
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
$31,890
Cap reduction
not stated
Effective monthly, before tax
$297
Effective monthly, after tax
$315
Effective as a share of MSRP, monthly
0.99%
Leasehackr score, estimate
8.4
All-in cost as a share of MSRP
71.2%
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More deals like this (6 cars)
More Honda deals
2026 Honda Civic
A drawing of this kind of car, not a photo of it.
2026 Honda Civic Sport Hybrid
$611a month, everything in
New leaseHybrid
A new lease from the dealer. You sign for 39 months, with money due at signing.
Offer ends Nov 2 (in 2 days)
Only one site lists this. Not confirmed.
Gas $87/mo: about 49 mpg (EPA), U.S. average price
The listed payment is $259 a month. With everything added, it is $611 a month. The biggest piece is insurance, $135 a month (our estimate for the U.S. average, $108 to $162; type yours).
The listed payment$259
Money due when you sign ($3,740), spread over 39 months+ $96
Tax, our estimate, because the ad gives no tax rate (U.S. average rate, until you pick your state)+ $15
Miles: you drive 12,000 a year, the lease covers 10,000+ $19
Insurance, our estimate for the U.S. average (range $108 to $162). Type yours.+ $135
Hybrid: gas, our estimate+ $87
All in, each month$611
If you pay the ad’s end-of-lease rate instead: +$23 a month ($0.25 a mile, as the ad states).
Honda offers page, read Oct 30. Insurance and gas are estimates, not quotes.
2026 Honda Civic
A drawing of this kind of car, not a photo of it.
2026 Honda Civic Civic
$629a month, everything in
New leaseGas
A new lease from the dealer. You sign for 36 months, with money due at signing.
Offer ends Nov 7 (in 7 days)
Only one site lists this. Not confirmed.
Gas $155/mo: about 34 mpg (EPA), U.S. average price
Ad$295
Real$629
+$334 we added, most of it estimate
Why +$334? gas $155, insurance $142, extra miles $19
The listed payment is $299 a month. With everything added, it is $644 a month. Most of the difference is insurance, $175 a month (our estimate for the U.S. average, $140 to $210; type yours).
The listed payment$299
Tax, our estimate, because the ad gives no tax rate (U.S. average rate, until you pick your state)+ $18
Miles: you drive 12,000 a year, the lease covers 9,996+ $19
Insurance, our estimate for the U.S. average (range $140 to $210). Type yours.+ $175
Gas, our estimate+ $133
All in, each month$644
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 gas are estimates, not quotes.
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 $531 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
Cash the seller says they will pay you, each month- $81
Transfer fee we assumed ($500), spread over 31 months+ $16
Tax, our estimate, because the ad gives no tax rate (U.S. average rate, until you pick your state)+ $14
Miles: you drive 12,000 a year, the lease covers 8,946+ $64
Insurance, our estimate for the U.S. average (range $130 to $200). Type yours.+ $165
Gas, our estimate+ $126
All in, each month$531
LeaseTrader, read Oct 30. Insurance and gas are estimates, not quotes.
The listed payment is $471 a month. The seller says they will pay you $7,226 to take it over, about $249 a month. With everything added, the real cost is $574 a month.
The listed payment$471
Cash the seller says they will pay you, each month- $249
Transfer fee we assumed ($500), spread over 29 months+ $17
Tax, our estimate, because the ad gives no tax rate (U.S. average rate, until you pick your state)+ $28
Miles: you drive 12,000 a year, the lease covers 12,857+ $0
Insurance, our estimate for the U.S. average (range $114 to $170). Type yours.+ $142
Gas, our estimate+ $165
All in, each month$574
LeaseTrader, read Oct 30. Insurance and gas are estimates, not quotes.
The listed payment is $301 a month. With everything added, it is $579 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$301
Transfer fee we assumed ($500), spread over 21 months+ $24
Tax, our estimate, because the ad gives no tax rate (U.S. average rate, until you pick your state)+ $17
Miles: you drive 12,000 a year, the lease covers 14,454+ $0
Insurance, our estimate for the U.S. average (range $140 to $215). Type yours.+ $178
Electric: charging at home, our estimate+ $59
All in, each month$579
LeaseTrader, read Oct 30. Insurance and charging are estimates, not quotes.
