$851 a month all-in (payment, tax, miles, insurance and charging, added up) at 12,000 miles a year at U.S. average prices. The ad says $395. The receipt adds every step between the two.
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2026 Kia Niro EV Wave
Washington
Advertised payment$395
Tax, fees and cash, spread over 24 months+ $184
Miles: 10,000 in the contract, you drive 12,000a mileage tier bought up front, $19 per 2,500 miles (estimate)+ $19
Insurance, estimate ($140 to $210)national estimate, per model (the same model with another powertrain); band $140 to $210 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.+ $200
Electricity, estimate, charging at home3.4 mi/kWh at $0.1816/kWh; EIA U.S. residential average, August 2026 (read 2026-10-30)+ $53
All-in a month$851
Board deal. Due at signing is fees plus the first payment, cap reduction $0.
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 $289 a month more than that.
This table is priced at 12,000 miles a year and U.S. average prices.
The math for 2026 Kia Niro EV Wave
Headline monthly
$395 plus tax
Term
24 months
Due at signing
$3,778 (due upfront)
MSRP
$48,195 (as stated by the source)
Tax rate used
11.00% (as the source states). Basis: stated before tax
Effective monthly, before tax
$536
Effective monthly, after tax
$579
Lease cost over the term, before tax
$12,863
Fees inside the due-at-signing figure
$3,383
Transfer fee
none stated by the source
Seller cash to you
$0
Cash you bring
not stated by the source, counted as $0 until you confirm
Miles written into the contract
10,000 a year
Mileage to reach your 12,000 a year
$19 a month (tier). 1 step(s) of 2500 miles bought up front, estimate Overage rate $0.25 a mile, as the source states.
Insurance, estimate
$200 a month, band $140 to $210. 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
$53 a month (3.4 mi/kWh at $0.1816/kWh, EIA U.S. residential average, August 2026 (read 2026-10-30))
All-in per month
$851
Effective as a share of MSRP, monthly
1.2%
Leasehackr score, estimate
6.9
Estimated all-in cost over the term
$20,424
All-in cost as a share of MSRP
42.4%
Liveness
live
Source read
2026-10-30
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Photo of this model from another year, not this exact car. Credit: Alexander Migl, CC BY-SA 4.0
