Real Lease Cost™ (everything you pay, each month): $668 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 $279. 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 NJ New leaseCollection at the dealer; shipping is sometimes possible at extra cost, so ask themLeasehackr Marketplace (broker offers)gas SUV Only one site lists this. Not confirmed.
Only one site lists this, so check it before you pay.
Photo of this model from another year, not this exact car. Credit: Ethan Llamas, CC BY-SA 4.0, via Wikimedia Commons
Read from Leasehackr Marketplace (broker offers) on 2026-10-31.
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.$279
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.)Source: State revenue department pages, 50 of 51 states sourced. Read Oct 30.+ $17
Miles: you drive 12,000 a year, the lease covers 7,500You drive 4,500 miles a year more than the lease allows. We price buying them up front: 2 steps of 2,500 miles at $19 a month each (our estimate). That is $38 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.+ $38
Insurance, our estimate for the U.S. average: $170 (range $135 to $205). Your own quote may differ. Type yours.Mazda CX-30 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 26 mpg(middle of the EPA figures for the 2026 CX-30)=461.5 gallons×$4.269 a gallon(EIA U.S. average regular, week of Oct 26)=$1,970 a year=$164 a monthcity 23 to highway 31Source: U.S. Energy Information Administration (gas, week of Oct 26; electricity, August 2026). Read Oct 30.+ $164
At 12,000 miles a year and U.S. average costs, 434 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 95 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 $247 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 Mazda CX-30
Monthly payment in the ad
$279 plus tax
Months on the lease
36
Sticker price
not in the listing
Tax rate used
6.10% (our estimate, the source stated none)
Monthly cost before tax, money due at signing spread out
$279
Tax, each month
$17
Monthly cost after tax
$296
Lease cost over all the months, before tax
$10,044
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
7,500
Extra miles to reach your 12,000 a year
You drive 4,500 miles a year more than the lease allows. We price buying them up front: 2 steps of 2,500 miles at $19 a month each (our estimate). That is $38 a month. If you pay the ad’s end-of-lease rate instead: +$56 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
$164 a month (about 26 mpg, middle of the EPA figures for the 2026 CX-30; EIA U.S. average regular, week of Oct 26)
Real Lease Cost, each month
$668
Real Lease Cost, over all the months, our estimate
$24,048
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
not in the listing
Cap reduction
not stated
Effective monthly, before tax
$279
Effective monthly, after tax
$296
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Photo of this model from another year, not this exact car.
2026 Mazda Mazda3 Sedan 2.5 S FWD
Real Lease Cost:$664a 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)
Seller’s numbers: we did not check them
Gas $147/mo: about 29 mpg (EPA), U.S. average price
Ad$219
Real$664
+$445 we added, most of it estimate
Why +$445? insurance $165, gas $147, fees $73, extra miles $38, tax $22
The listed payment is $219 a month. With everything added, it is $664 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$219
Money due when you sign ($2,610), spread over 36 months+ $73
Tax, at the rate the ad states+ $22
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+ $147
Real Lease Cost, each month$664
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 $289 a month. With everything added, it is $672 a month. The biggest piece is insurance, $182 a month (our estimate for the U.S. average, $146 to $218; type yours).
The listed payment$289
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 9,996+ $19
Insurance, our estimate for the U.S. average (range $146 to $218). Type yours.+ $182
Gas, our estimate+ $164
Real Lease Cost, each month$672
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.
2026 Mazda CX 30
A drawing of this kind of car, not a photo of it.
2026 Mazda CX 30 Offer 1 of 2 on this model
Real Lease Cost:$682a 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 6 (in 6 days)
Only one site lists this. Not confirmed.
Gas $164/mo: about 26 mpg (EPA), U.S. average price
Ad$299
Real$682
+$383 we added, most of it estimate
Why +$383? insurance $182, gas $164, extra miles $19, tax $18
The listed payment is $299 a month. With everything added, it is $682 a month. The biggest piece is insurance, $182 a month (our estimate for the U.S. average, $146 to $218; type yours).
The listed payment$299
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 9,996+ $19
Insurance, our estimate for the U.S. average (range $146 to $218). Type yours.+ $182
Gas, our estimate+ $164
Real Lease Cost, each month$682
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.
Other cars near $668 a month
Photo of this model, not this exact car.
2025 Kia K4 Offer 2 of 5 on this model
Real Lease Cost:$569a 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$241
Real$569
+$328 we added, most of it estimate
Why +$328? insurance $165, gas $129, extra miles $19, tax $15
The listed payment is $241 a month. With everything added, it is $569 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$241
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 $130 to $200). Type yours.+ $165
Gas, our estimate+ $129
Real Lease Cost, each month$569
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 $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 $575 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 (6.1% national estimate, until you pick your state. Type your own rate in Your numbers.)+ $29
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
Real Lease Cost, each month$575
LeaseTrader, read Oct 31. Insurance and gas are estimates, not quotes.
The listed payment is $301 a month. With everything added, it is $580 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 (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 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
Real Lease Cost, each month$580
LeaseTrader, read Oct 31. Insurance and charging are estimates, not quotes.
