HybridGas car with a small battery. It charges itself. You never plug it in.
Real Lease Cost™ (everything you pay, each month): $683 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 $289. 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
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.$289
Money due when you sign ($3,710), 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.+ $103
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.+ $18
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.Toyota Camry 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
Hybrid: gas, our estimate12,000 mi a year÷about 51 mpg(middle of the EPA figures for the 2026 Camry)=235.3 gallons×$4.269 a gallon(EIA U.S. average regular, week of Oct 26)=$1,004 a year=$84 a monthcity 51 to highway 49Source: U.S. Energy Information Administration (gas, week of Oct 26; electricity, August 2026). Read Oct 30.+ $84
At 12,000 miles a year and U.S. average costs, 82 of the 137 similar small cars we price today cost more than this one.
vs 137 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 60 of every 100 similar small cars we price today cost more than this one. Pool: the live ranked small car 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 $262 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 Toyota Camry LE
Monthly payment in the ad
$289 plus tax
Months on the lease
36
Due when you sign
$3,999. It includes your first payment of $289. The other $3,710 is fees and any money down, and we count all of it.
That $3,710, spread over 36 months
$103 a month
Sticker price
$31,269 (as stated by the source)
Tax rate used
6.10% (our estimate, the source stated none)
Monthly cost before tax, money due at signing spread out
$392
Tax, each month
$18
Monthly cost after tax
$410
Lease cost over all the months, before tax
$14,114
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
$84 a month (about 51 mpg, middle of the EPA figures for the 2026 Camry; EIA U.S. average regular, week of Oct 26)
Real Lease Cost, each month
$683
Real Lease Cost, over all the months, our estimate
$24,588
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
$31,269
Cap reduction
inside the money due at signing, not split out
Effective monthly, before tax
$392
Effective monthly, after tax
$410
Effective as a share of MSRP, monthly
1.31%
Monthly cost vs sticker price
1.3% a month (common; a rule of thumb, not part of the ranking)
All-in cost as a share of MSRP
78.6%
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More deals like this (6 cars)
More Toyota deals
Photo of this model, not this exact car.
2025 Toyota Camry Offer 1 of 7 on this model
Real Lease Cost:$518a month, estimate
New leaseHybridOne 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 $91/mo: about 47 mpg (EPA), U.S. average price
The listed payment is $242 a month. With everything added, it is $518 a month. Most of the difference is insurance, $170 a month (our estimate for the U.S. average, $135 to $205; type yours).
The listed payment$242
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 12,000+ $0
Insurance, our estimate for the U.S. average (range $135 to $205). Type yours.+ $170
Hybrid: gas, our estimate+ $91
Real Lease Cost, each month$518
Leasehackr Marketplace (broker offers), read Oct 31. Insurance and gas are estimates, not quotes.
The listed payment is $227 a month. The seller says they will pay you $2,500 to take it over, about $81 a month. With everything added, the real cost is $531 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$227
Cash the seller says they will pay you, each month- $81
Transfer fee we assumed ($500), spread over 31 months+ $16
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 8,946+ $64
Insurance, our estimate for the U.S. average (range $130 to $200). Type yours.+ $165
Gas, our estimate+ $126
Real Lease Cost, each month$531
LeaseTrader, read Oct 31. Insurance and gas are estimates, not quotes.
The listed payment is $259 a month. With everything added, it is $599 a month. Most of the difference is insurance, $182 a month (our estimate for the U.S. average, $146 to $218; type yours).
The listed payment$259
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.)+ $16
Miles: you drive 12,000 a year, the lease covers 12,000+ $0
Insurance, our estimate for the U.S. average (range $146 to $218). Type yours.+ $182
Gas, our estimate+ $142
Real Lease Cost, each month$599
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.
Photo of this model, not this exact car.
2025 Cadillac LYRIQ LuxuryOffer 1 of 4 on this model
Real Lease Cost:$594a month, estimate
Take-overElectricOne of the lowest costs for this kind of car
You take over someone’s lease. You pay their last 13 months.
Needs the leasing company’s approval.
Lease ends Dec 2027 (13 months left)
13 months left, about $7,700 in all. Transfer fee $500 (assumed). Seller pays you $10,400.
Only one site lists this. Not confirmed.
Charging $70/mo: EPA figure for this model at U.S. average home rates.
The listed payment is $1,032 a month. The seller says they will pay you $10,400 to take it over, about $800 a month, which brings the real cost down to $594 a month with everything added.
The listed payment$1,032
Cash the seller says they will pay you, each month- $800
Transfer fee we assumed ($500), spread over 13 months+ $38
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.)+ $64
Miles: you drive 12,000 a year, the lease covers 25,477+ $0
Insurance, our estimate for the U.S. average (range $152 to $228). Type yours.+ $190
Electric: charging at home, our estimate+ $70
Real Lease Cost, each month$594
LeaseTrader, read Oct 31. Insurance and charging are estimates, not quotes.
The listed payment is $299 a month. With everything added, it is $604 a month. Most of the difference is insurance, $190 a month (our estimate for the U.S. average, $152 to $228; 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 7,500+ $38
Insurance, our estimate for the U.S. average (range $152 to $228). Type yours.+ $190
Electric: charging at home, our estimate+ $59
Real Lease Cost, each month$604
If you pay the ad’s end-of-lease rate instead: +$56 a month ($0.25 a mile, as the ad states).
Leasehackr Marketplace (broker offers), read Oct 31. Insurance and charging are estimates, not quotes.
