Real Lease Cost™ (everything you pay, each month): $791 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 $239. 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.$239
Money due when you sign ($3,760), spread over 24 monthsSource: The ad's own fees; a $500 transfer fee is assumed when the ad gives none. Read with the ad, Oct 31.+ $157
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.+ $14
Miles: you drive 12,000 a year, the lease covers 12,000The lease covers your miles, so extra miles cost nothing.Source: The ad's miles and per-mile rate; $0.25 a mile when the ad gives none. Read with the ad, Oct 31.+ $0
Insurance, our estimate for the U.S. average: $178 (range $140 to $215). Your own quote may differ. Type yours.Toyota Tacoma quotes run $140 to $215 a month (The Zebra, read Oct 19) → middle $178 × 1.00 (U.S. average) = $178 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.+ $178
Gas, our estimate12,000 mi a year÷about 21 mpg(middle of the EPA figures for the 2026 Tacoma)=571.4 gallons×$4.269 a gallon(EIA U.S. average regular, week of Oct 26)=$2,439 a year=$203 a monthcity 20 to highway 24Source: U.S. Energy Information Administration (gas, week of Oct 26; electricity, August 2026). Read Oct 31.+ $203
At 12,000 miles a year and U.S. average costs, 172 of the 179 similar trucks we price today cost more than this one.
vs 179 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 96 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 2026 Toyota Corolla with a Real Lease Cost of $531 a month. This car is $260 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 Tacoma SR5
Monthly payment in the ad
$239 plus tax
Months on the lease
24
Due when you sign
$3,999. It includes your first payment of $239. The other $3,760 is fees and any money down, and we count all of it.
That $3,760, spread over 24 months
$157 a month
Sticker price
$39,649 (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
$396
Tax, each month
$14
Monthly cost after tax
$410
Lease cost over all the months, before tax
$9,496
Transfer fee
none stated by the source
Cash the seller says they will pay you
$0
Miles a year the lease allows
12,000
Extra miles to reach your 12,000 a year
The lease covers your miles, so extra miles cost nothing.
Insurance, our estimate
$178 a month for the U.S. average (range $140 to $215). 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
$203 a month (about 21 mpg, middle of the EPA figures for the 2026 Tacoma; EIA U.S. average regular, week of Oct 26)
Real Lease Cost, each month
$791
Real Lease Cost, over all the months, our estimate
$18,984
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
$39,649
Cap reduction
inside the money due at signing, not split out
Effective monthly, before tax
$396
Effective monthly, after tax
$410
Effective as a share of MSRP, monthly
1.03%
Monthly cost vs sticker price
1.0% a month (common; a rule of thumb, not part of the ranking)
All-in cost as a share of MSRP
47.9%
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More deals like this (6 cars)
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Photo of this model from another year, not this exact car.
2026 Toyota Corolla LEOffer 1 of 7 on this model
Real Lease Cost:$531a month, estimate
Take-overGasOne of the lowest costs for this kind of car
You take over someone’s lease. You pay their last 31 months.
Needs the leasing company’s approval.
Lease ends May 2029 (31 months left)
31 months left, about $16,500 in all. Transfer fee $500 (assumed). Seller pays you $2,500.
Only one site lists this. Not confirmed.
Gas $126/mo: about 34 mpg (EPA), U.S. average price
Ad$227
Real$531
+$304 we added, most of it estimate
Why +$304? insurance $165, gas $126, extra miles $64, fees $16, tax $14, minus seller cash $81
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 $279 a month. With everything added, it is $633 a month. The biggest piece is insurance, $170 a month (our estimate for the U.S. average, $135 to $205; type yours).
The listed payment$279
Money due when you sign ($1,724), spread over 36 months+ $48
Tax, at the rate the ad states+ $24
Miles: you drive 12,000 a year, the lease covers 10,000+ $19
Insurance, our estimate for the U.S. average (range $135 to $205). Type yours.+ $170
Hybrid: gas, our estimate+ $93
Real Lease Cost, each month$633
If you pay the ad’s end-of-lease rate instead: +$23 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 $279 a month. With everything added, it is $668 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$279
Money due when you sign ($1,699), spread over 36 months+ $47
Tax, at the rate the ad states+ $25
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+ $133
Real Lease Cost, each month$668
If you pay the ad’s end-of-lease rate instead: +$23 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 $338 a month. With everything added, it is $691 a month. Most of the difference is insurance, $215 a month (our estimate for the U.S. average, $133 to $297; type yours).
The listed payment$338
Transfer fee ($500), spread over 34 months+ $15
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.)+ $21
Miles: you drive 12,000 a year, the lease covers 10,151+ $39
Insurance, our estimate for the U.S. average (range $133 to $297). Type yours.+ $215
Electric: charging at home, our estimate+ $63
Real Lease Cost, each month$691
Leasehackr private transfers, read Oct 30. Insurance and charging are estimates, not quotes.
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.
