Real Lease Cost™ (everything you pay, each month): $1,143 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 $565. 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
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.$565
Money due when you sign ($1,435), spread over 39 monthsSource: The ad's own fees; a $500 transfer fee is assumed when the ad gives none. Read with the ad, Oct 31.+ $37
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.+ $34
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: $178 (range $142 to $214). Your own quote may differ. Type yours.No quotes for this exact model, so we use AAA’s 2026 full-coverage average for a Half-ton Pickup (gas) ($2,139 a year, five top-selling models, a driver under 65 with 6+ years and no accidents) → × 1.00 (U.S. average) = $178 a month. Range $142 to $214. Full coverage, a typical driver with a clean record.Source: AAA Your Driving Costs 2026 full-coverage class average and MoneyGeek 2025 state averages. Class average read Oct 31, state table read Oct 30.+ $178
Gas, our estimate12,000 mi a year÷about 17 mpg(middle of the EPA figures for the 2026 1500)=705.9 gallons×$5.275 a gallon(EIA U.S. average premium, week of Oct 26)=$3,724 a year=$310 a monthcity 15 to highway 21Source: U.S. Energy Information Administration (gas, week of Oct 26; electricity, August 2026). Read Oct 30.+ $310
At 12,000 miles a year and U.S. average costs, 73 of the 178 similar trucks we price today cost more than this one.
vs 178 truck 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 41 of every 100 similar trucks we price today cost more than this one. Pool: the live ranked truck 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 $722 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 RAM 1500
Monthly payment in the ad
$565 plus tax
Months on the lease
39
Due when you sign
$2,000. It includes your first payment of $565. The other $1,435 is fees and any money down, and we count all of it.
That $1,435, spread over 39 months
$37 a month
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
$602
Tax, each month
$34
Monthly cost after tax
$636
Lease cost over all the months, before tax
$23,470
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
$178 a month for the U.S. average (range $142 to $214). 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
$310 a month (about 17 mpg, middle of the EPA figures for the 2026 1500; EIA U.S. average premium, week of Oct 26)
Real Lease Cost, each month
$1,143
Real Lease Cost, over all the months, our estimate
$44,577
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
inside the money due at signing, not split out
Effective monthly, before tax
$602
Effective monthly, after tax
$636
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More deals like this (6 cars)
More RAM deals
Photo of this model, not this exact car.
2026 RAM 1500 Big Horn 4x4 Crew Cab 5'7" BoxOffer 2 of 5 on this model
Real Lease Cost:$1,154a month, estimate
New leaseGasAbout even with similar cars
A new lease from the dealer. You sign for 39 months, with money due at signing.
Offer ends Oct 31 (today)
Seller’s numbers: we did not check them
Gas $330/mo: about 16 mpg (EPA), U.S. average price
Ad$512
Real$1,154
+$642 we added, most of it estimate
Why +$642? gas $330, insurance $178, fees $65, tax $50, extra miles $19
The listed payment is $656 a month. The seller says they will pay you $442 to take it over, about $18 a month. With everything added, the real cost is $1,217 a month. Most of the difference is our gas estimate, $310 a month.
The listed payment$656
Cash the seller says they will pay you, each month- $18
Transfer fee we assumed ($500), spread over 24 months+ $21
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.)+ $39
Miles: you drive 12,000 a year, the lease covers 10,505+ $31
Insurance, our estimate for the U.S. average (range $142 to $214). Type yours.+ $178
Gas, our estimate+ $310
Real Lease Cost, each month$1,217
LeaseTrader, read Oct 31. Insurance and gas are estimates, not quotes.
Other cars near $1,143 a month
Photo of this model, not this exact car.
2025 Honda Prologue Touring
Real Lease Cost:$1,043a month, estimate
Take-overElectricAbout even with similar cars
You take over someone’s lease. You pay their last 21 months.
Needs the leasing company’s approval.
Lease ends Jul 2028 (21 months left)
21 months left, about $21,900 in all. Transfer fee $500 (assumed). Seller pays you $952.
Only one site lists this. Not confirmed.
Charging $63/mo: EPA figure for this car at U.S. average home rates.
Assumes you charge at home.
Ad$735
Real$1,043
+$308 we added, most of it estimate
Why +$308? insurance $188, charging $63, tax $45, extra miles $33, fees $24, minus seller cash $45
The listed payment is $735 a month. The seller says they will pay you $952 to take it over, about $45 a month. With everything added, the real cost is $1,043 a month.
The listed payment$735
Cash the seller says they will pay you, each month- $45
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.)+ $45
Miles: you drive 12,000 a year, the lease covers 10,430+ $33
Insurance, our estimate for the U.S. average (range $150 to $225). Type yours.+ $188
Electric: charging at home, our estimate+ $63
Real Lease Cost, each month$1,043
LeaseTrader, read Oct 31. Insurance and charging are estimates, not quotes.
The listed payment is $629 a month. With everything added, it is $1,046 a month. The biggest piece is insurance, $202 a month (our estimate for the U.S. average, $162 to $242; type yours).
The listed payment$629
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.)+ $38
Miles: you drive 12,000 a year, the lease covers 9,996+ $19
Insurance, our estimate for the U.S. average (range $162 to $242). Type yours.+ $202
Gas, our estimate+ $158
Real Lease Cost, each month$1,046
If you pay the ad’s end-of-lease rate instead: +$23 a month ($0.25 a mile, as the ad states).
Read by hand on Oct 31. Insurance and gas are estimates, not quotes.
