Real Lease Cost

2026 Lexus IS 350 F SPORT DESIGN

Ad $429$1,033/mo all-in estimate

$4,570 due at signing, besides the first payment (in the monthly).

Open the original listing (leaves our site)

The receipt

The listed payment$429

  1. Fees at signing+ $109
  2. Tax (about)+ $26
  3. Extra miles+ $19
  4. Insurance (about)+ $210
  5. Gas (about)+ $240

Real Lease Cost™ (everything you pay), each month$1,033

Sources and read dates
  • The listed payment the Lexus offers page, read Nov 3.
  • Fees at signing the Lexus offers page, read Nov 3. Where the ad gives no fees, we assume a $500 transfer fee, or the typical money due at signing.
  • Tax (about) State revenue department pages, 50 of 51 states sourced. Read Oct 30.
  • Extra miles the Lexus offers page, read Nov 3. 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 Oct 26; electricity, August 2026). Read Nov 3.

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 10 (in 7 days)

Your miles or state are different?

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Answer the three questions on the home page

New lease Lexus offers page Gas Sedan From the carmaker’s own offers page

The carmaker lists this offer on its own offers page. We read that page. We did not confirm it with a dealer.

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

Read from Lexus offers page on Nov 3, 2026.

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

Costs less than most similar cars

At 12,000 miles a year and U.S. average costs, 163 of the other 194 similar luxury small cars we price today cost more than this one.

vs 194 luxury 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 84 of every 100 similar luxury small cars we price today cost more than this one. Pool: the live ranked luxury 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 3, 2026.

The cheapest live car outside this brand is the 2026 Toyota Corolla with a Real Lease Cost of $531 a month. This car is $502 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 Lexus IS 350 F SPORT DESIGN
Monthly payment in the ad$429 plus tax
Months on the lease42
Total due at signing$4,999 (first payment $429 plus fees $4,570). We count all of it.
That $4,570, spread over 42 months$109 a month
Sticker pricenot in the listing
Tax rate used6.10% (our estimate, the source stated none)
Monthly cost before tax, money due at signing spread out$538
Tax, each month$26
Monthly cost after tax$564
Lease cost over all the months, before tax$22,588
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$210 a month for the U.S. average (range $170 to $250). 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$240 a month (about 22 mpg, middle of the EPA figures for the 2026 IS; EIA U.S. average premium, week of Oct 26)
Real Lease Cost, each month$1,033
Real Lease Cost, over all the months, our estimate$43,386
Listing statuslive
Source readNov 3, 2026
For the experts: the exact lease terms
Lease terms for experts
When it endsOffer ends Nov 10 (in 7 days)
MSRPnot in the listing
Cap reductioninside the money due at signing, not split out
Effective monthly, before tax$538
Effective monthly, after tax$564

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More deals like this (6 cars)

More Lexus deals

2026 Lexus UX, a photo of this model, not the listed car

2026 Lexus UX 300h

Ad $339$780/mo all-inestimate

New lease

See this deal: 2026 Lexus UX

Why this price?

HybridOne of the lowest costs for this kind of car

Ad$339

Real$780

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

+$441 we added. Most of it is our estimate.

Why +$441? insurance $191, fees $111, gas $99, tax $21, extra miles $19

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Cheapest of 2 UX offers nationwide

A new lease from the dealer. You sign for 42 months.

$4,660 due at signing, besides the first payment (in the monthly).

From the carmaker’s own offers page

Gas $99/mo: about 43 mpg (EPA), U.S. average price

Offer ends Nov 10 (in 7 days)

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

The listed payment is $339 a month. With everything added, it is $780 a month. The biggest piece is insurance, $191 a month (our estimate for the U.S. average, $153 to $229; type yours).

The listed payment$339

  1. Fees due when you sign ($4,660), spread over 42 months+ $111
  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.)+ $21
  3. Miles: you drive 12,000 a year, the lease covers 10,000+ $19
  4. Insurance (about) for the U.S. average (range $153 to $229). Type yours.+ $191
  5. Hybrid: gas (about)+ $99

Real Lease Cost, each month$780

If you pay the ad’s end-of-lease rate instead: +$23 a month ($0.25 a mile, as the ad states).

Lexus offers page, read Nov 3. Insurance and gas are estimates, not quotes. about = our guess.

Photo of this model from another year, not this exact car. Photo: Matti Blume, CC BY-SA 4.0

2026 Lexus NX, a photo of this model, not the listed car

2026 Lexus NX 350 AWD

Ad $349$920/mo all-inestimate

New lease

See this deal: 2026 Lexus NX

Why this price?

GasOne of the lowest costs for this kind of car

Ad$349

Real$920

+$571 we added. Most of it is our estimate.

Why +$571? gas $220, insurance $200, fees $111, tax $21, extra miles $19

More
Cheapest of 7 NX offers nationwide

A new lease from the dealer. You sign for 42 months.

$4,650 due at signing, besides the first payment (in the monthly).

From the carmaker’s own offers page

Gas $220/mo: 24 mpg (EPA), U.S. average price

Offer ends Nov 10 (in 7 days)

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

The listed payment is $349 a month. With everything added, it is $920 a month. The biggest piece is our gas estimate, $220 a month.

The listed payment$349

  1. Fees due when you sign ($4,650), spread over 42 months+ $111
  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.)+ $21
  3. Miles: you drive 12,000 a year, the lease covers 10,000+ $19
  4. Insurance (about) for the U.S. average (range $160 to $240). Type yours.+ $200
  5. Gas (about)+ $220

Real Lease Cost, each month$920

If you pay the ad’s end-of-lease rate instead: +$23 a month ($0.25 a mile, as the ad states).

Lexus offers page, read Nov 3. Insurance and gas are estimates, not quotes. about = our guess.

Photo of this model from another year, not this exact car. Photo: Alexander Migl, CC BY-SA 4.0

2025 Lexus ES 350

2025 Lexus ES 350

Ad $449$950/mo all-inestimate

New lease

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

See this deal: 2025 Lexus ES 350

Why this price?

Gas

Ad$449

Real$950

+$501 we added. Most of it is our estimate.

Why +$501? insurance $200, gas $171, typical money due at signing $84, tax $27, extra miles $19

More

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

Not in the ad: typical $3,011 due at signing used (in the monthly). Ask before you sign.

Gas $171/mo: about 25 mpg (EPA), U.S. average price

Offer ends Nov 10 (in 7 days)

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

The listed payment is $449 a month. With everything added, it is $950 a month. The biggest piece is insurance, $200 a month (our estimate for the U.S. average, $160 to $240; type yours).

The listed payment$449

  1. Money due at signing: the ad does not say. We added $84 a month, the typical amount (median of 75 ads that state it in the same price band, read Nov 2 to Nov 3).+ $84
  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.)+ $27
  3. Miles: you drive 12,000 a year, the lease covers 9,996+ $19
  4. Insurance (about) for the U.S. average (range $160 to $240). Type yours.+ $200
  5. Gas (about)+ $171

Real Lease Cost, each month$950

If you pay the ad’s end-of-lease rate instead: +$23 a month ($0.25 a mile, as the ad states).

SwapALease, read Nov 3. Insurance and gas are estimates, not quotes. about = our guess.

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

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Ad $624$934/mo all-inestimate

Take-over, seller cash $1,739

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

See this deal: 2025 Toyota Camry

Why this price?

HybridCosts more than most similar cars

Ad$624

Real$934

+$310 we added. Most of it is our estimate.

Why +$310? insurance $170, gas $93, extra miles $68, tax $38, fees $24, minus cash the seller pays you $83

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The seller says they will pay you $1,739, via LeaseTrader. Counted in the price.

You take over someone’s lease. You pay their last 21 months.

Transfer fee about $500 (in the monthly).

Needs the leasing company’s approval.

Gas $93/mo: about 46 mpg (EPA), U.S. average price

Lease ends Jul 2028 (21 months left)

21 months left, about $19,600 in all. Transfer fee about $500. Seller pays you $1,739.

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

The listed payment is $624 a month. The seller says they will pay you $1,739 to take it over, about $83 a month. With everything added, the real cost is $934 a month.

The listed payment$624

  1. Cash the seller says they will pay you, each month- $83
  2. Transfer fee about $500 (the listing does not say), spread over 21 months+ $24
  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.)+ $38
  4. Miles: you drive 12,000 a year, the lease covers about 6,600 a year (from the miles left and months left)+ $68
  5. Insurance (about) for the U.S. average (range $135 to $205). Type yours.+ $170
  6. Hybrid: gas (about)+ $93

Real Lease Cost, each month$934

LeaseTrader, read Nov 3. Insurance and gas are estimates, not quotes. about = our guess.

Photo of this model, not this exact car. Photo: MercurySable99, CC BY-SA 4.0

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2025 BMW X1 xDrive28i

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Take-over, seller cash $3,572

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

See this deal: 2025 BMW X1

Why this price?

Gas

Ad$611

Real$934

+$323 we added. Most of it is our estimate.

Why +$323? insurance $202, gas $188, tax $37, fees $19, extra miles $14, minus cash the seller pays you $137

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The seller says they will pay you $3,572, via LeaseTrader. Counted in the price.

You take over someone’s lease. You pay their last 26 months.

Transfer fee about $500 (in the monthly).

Needs the leasing company’s approval.

Gas $188/mo: 28 mpg (EPA), U.S. average price

Lease ends Jan 2029 (26 months left)

26 months left, about $24,300 in all. Transfer fee about $500. Seller pays you $3,572.

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

The listed payment is $611 a month. The seller says they will pay you $3,572 to take it over, about $137 a month. With everything added, the real cost is $934 a month. Most of the difference is insurance, $202 a month (our estimate for the U.S. average, $165 to $240; type yours).

The listed payment$611

  1. Cash the seller says they will pay you, each month- $137
  2. Transfer fee about $500 (the listing does not say), spread over 26 months+ $19
  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.)+ $37
  4. Miles: you drive 12,000 a year, the lease covers about 11,312 a year (from the miles left and months left)+ $14
  5. Insurance (about) for the U.S. average (range $165 to $240). Type yours.+ $202
  6. Gas (about)+ $188

Real Lease Cost, each month$934

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

2026 Toyota Tacoma, a photo of this model, not the listed car

2026 Toyota Tacoma TRD Sport

Ad $379$934/mo all-inestimate

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See this deal: 2026 Toyota Tacoma

Why this price?

GasCosts less than most similar cars

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Real$934

+$555 we added. Most of it is our estimate.

Why +$555? gas $203, insurance $178, fees $151, tax $23

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

$3,620 due at signing, besides the first payment (in the monthly).

From the carmaker’s own offers page

Gas $203/mo: about 21 mpg (EPA), U.S. average price

Offer ends Nov 30

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

The listed payment is $379 a month. With everything added, it is $934 a month. The biggest piece is our gas estimate, $203 a month.

The listed payment$379

  1. Fees due when you sign ($3,620), spread over 24 months+ $151
  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.)+ $23
  3. Miles: you drive 12,000 a year, the lease covers 12,000+ $0
  4. Insurance (about) for the U.S. average (range $140 to $215). Type yours.+ $178
  5. Gas (about)+ $203

Real Lease Cost, each month$934

Toyota offers page, read Nov 3. Insurance and gas are estimates, not quotes. about = our guess.

Photo of this model from another year, not this exact car. Photo: Mr.choppers, CC BY-SA 3.0