Real Lease Cost™ (everything you pay, each month): $794 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 $327. 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 New York New leaseCollection at the dealer; shipping is sometimes possible at extra cost, so ask themLeasehackr pre-negotiated boardgas SUV Seller’s numbers: we did not check them
These are the numbers the seller states. We did not check them with the seller or the leasing company.
Photo of this model from another year, not this exact car. Credit: Ethan Llamas, CC BY-SA 4.0, via Wikimedia Commons
Board deal. Due at signing is $3,607 (fees plus the first payment). That is your first payment of $327 plus $3,280 in fees. 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.
The listed paymentSource: The listing itself, from 15 public sites. Newest read Oct 31.$327
Money due when you sign ($3,280), spread over 36 monthsSource: The ad's own fees; a $500 transfer fee is assumed when the ad gives none. Read with the ad, Oct 31.+ $91
Tax, at the rate the ad statesSource: State revenue department pages, 50 of 51 states sourced. Read Oct 30.+ $29
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: $170 (range $135 to $205). Your own quote may differ. Type yours.Kia Seltos quotes run $135 to $205 a month (The Zebra, read Oct 19) → middle $170 × 1.00 (U.S. average) = $170 a month. 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.+ $170
Gas, our estimate12,000 mi a year÷about 27 mpg(middle of the EPA figures for the 2026 Seltos)=444.4 gallons×$4.269 a gallon(EIA U.S. average regular, week of Oct 26)=$1,897 a year=$158 a monthcity 26 to highway 29Source: U.S. Energy Information Administration (gas, week of Oct 26; electricity, August 2026). Read Oct 30.+ $158
At 12,000 miles a year and U.S. average costs, 312 of the 455 similar SUVs we price today cost more than this one.
vs 455 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 69 of every 100 similar SUVs we price today cost more than this one. Pool: the live ranked 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 in the table is the 2024 Nissan Ariya with a Real Lease Cost of $421 a month. This car is $373 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 Kia Seltos S AWD
Monthly payment in the ad
$327 plus tax
Months on the lease
36
Due when you sign
$3,607. It includes your first payment of $327. The other $3,280 is fees and any money down, and we count all of it.
That $3,280, spread over 36 months
$91 a month
Sticker price
$28,745 (as stated by the source)
Tax rate used
8.88% (as the source states). Basis: pre-tax, matches the calculator's pre-tax payment
Monthly cost before tax, money due at signing spread out
$418
Tax, each month
$29
Monthly cost after tax
$447
Lease cost over all the months, before tax
$15,052
Transfer fee
none stated by the source
Cash the seller says they will pay you
$0
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
$170 a month for the U.S. average (range $135 to $205). We use the middle of the range. Source: The Zebra's national average for this model, read 2026-10-19. Full coverage, a typical driver with a clean record. Source and date
Gas, our estimate
$158 a month (about 27 mpg, middle of the EPA figures for the 2026 Seltos; EIA U.S. average regular, week of Oct 26)
Real Lease Cost, each month
$794
Real Lease Cost, over all the months, our estimate
$28,584
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 2 (in 2 days)
MSRP
$28,745
Cap reduction
inside the money due at signing, not split out
Effective monthly, before tax
$418
Effective monthly, after tax
$447
Effective as a share of MSRP, monthly
1.56%
Monthly cost vs sticker price
1.6% a month (high; a rule of thumb, not part of the ranking)
All-in cost as a share of MSRP
99.4%
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2025 Kia NIRO Offer 1 of 3 on this model
Real Lease Cost:$538a month, estimate
New leaseHybrid, plug-in or electric: the ad does not sayOne of the lowest costs for this kind of car
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 7 (in 7 days)
Only one site lists this. Not confirmed.
Fuel $84/mo. We used the highest running cost because the ad does not say which kind it is.
Ad$245
Real$538
+$293 we added, most of it estimate
Why +$293? insurance $175, gas $84, extra miles $19, tax $15
The listed payment is $245 a month. With everything added, it is $538 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$245
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.)+ $15
Miles: you drive 12,000 a year, the lease covers 10,000+ $19
Insurance, our estimate for the U.S. average (range $140 to $210). Type yours.+ $175
Hybrid, plug-in or electric (the ad does not say): counted at the dearest, our estimate+ $84
Real Lease Cost, each month$538
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 gas are estimates, not quotes.
Photo of this model, not this exact car.
2025 Kia K4 Offer 1 of 5 on this model
Real Lease Cost:$558a month, estimate
New leaseGasOne of the lowest costs for this kind of car
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 7 (in 7 days)
Only one site lists this. Not confirmed.
Gas $129/mo: about 33 mpg (EPA), U.S. average price
Ad$231
Real$558
+$327 we added, most of it estimate
Why +$327? insurance $165, gas $129, extra miles $19, tax $14
The listed payment is $231 a month. With everything added, it is $558 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$231
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.)+ $14
Miles: you drive 12,000 a year, the lease covers 10,000+ $19
Insurance, our estimate for the U.S. average (range $130 to $200). Type yours.+ $165
Gas, our estimate+ $129
Real Lease Cost, each month$558
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 gas are estimates, not quotes.
The listed payment is $291 a month. With everything added, it is $587 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$291
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.)+ $18
Miles: you drive 12,000 a year, the lease covers 10,000+ $19
Insurance, our estimate for the U.S. average (range $140 to $210). Type yours.+ $175
Hybrid, plug-in or electric (the ad does not say): counted at the dearest, our estimate+ $84
Real Lease Cost, each month$587
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 gas are estimates, not quotes.
Other cars near $794 a month
Photo of this model from another year, not this exact car.
2026 Hyundai Sonata SEOffer 3 of 5 on this model
Real Lease Cost:$694a month, estimate
New leaseGasAbout even with similar cars
A new lease from the dealer. You sign for 36 months, with money due at signing.
Offer ends Nov 2 (in 2 days)
Only one site lists this. Not confirmed.
Gas $152/mo: about 28 mpg (EPA), U.S. average price
Ad$279
Real$694
+$415 we added, most of it estimate
Why +$415? gas $152, insurance $135, fees $92, extra miles $19, tax $17
The listed payment is $269 a month. With everything added, it is $695 a month. The biggest piece is insurance, $165 a month (our estimate for the U.S. average, $130 to $200; type yours).
The listed payment$269
Money due when you sign ($2,533), spread over 36 months+ $70
Tax, at the rate the ad states+ $27
Miles: you drive 12,000 a year, the lease covers 7,500+ $38
Insurance, our estimate for the U.S. average (range $130 to $200). Type yours.+ $165
Gas, our estimate+ $126
Real Lease Cost, each month$695
If you pay the ad’s end-of-lease rate instead: +$56 a month ($0.25 a mile, as the ad states).
Leasehackr pre-negotiated board, read Oct 31. Insurance and gas are estimates, not quotes.
The listed payment is $420 a month. The seller says they will pay you $750 to take it over, about $24 a month. With everything added, the real cost is $695 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$420
Cash the seller says they will pay you, each month- $24
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.)+ $26
Miles: you drive 12,000 a year, the lease covers 10,277+ $36
Insurance, our estimate for the U.S. average (range $140 to $215). Type yours.+ $178
Electric: charging at home, our estimate+ $59
Real Lease Cost, each month$695
Leasehackr private transfers, read Oct 30. Insurance and charging are estimates, not quotes.
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