Real Lease Cost™ (everything you pay, each month): $810 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
Listed in CA New leaseCollection at the dealer; shipping is sometimes possible at extra cost, so ask themToyota offers pagegas Truck From the carmaker’s own offers page
The carmaker lists this offer on its own offers page. We read that page. We did not check it with a dealer.
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 and money due at signing; a $500 transfer fee, or the typical money due at signing, 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: $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, 164 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 92 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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Where these prices come from
Beignets, 3 pieces, Café du Monde, New Orleans: Café du Monde shop page, read Oct 31 2026. Photo of beignets at Café du Monde, 2014. Photo: Sunnya343, CC BY-SA 4.0, via Wikimedia Commons; cut out and placed on a tile by us, shared under CC BY-SA 4.0.
About a Yemeni latte, Qahwah House, based in Dearborn: listed from $8.47 (Little Ox list, Oct 2026), read Oct 31 2026. The tip is $7.86; the source lists $8.47. Qahwah House contact page (the Dearborn address): source. Photo of Arabic coffee, not Qahwah House's latte. Photo: Slywire, CC BY-SA 4.0, via Wikimedia Commons; cut out and placed on a tile by us, shared under CC BY-SA 4.0.
OG sourdough loaf, Rize Up Sourdough, San Francisco: Rize Up Sourdough product list, read Oct 31 2026. Photo of a sourdough loaf, not Rize Up's own. Photo: Nutrition, Food Safety & Health, CC0, via Wikimedia Commons.
Rye loaf, whole, RYE by Martin Auer, SoHo, New York: The Guardian, Sep 28 2026, read Oct 31 2026. Photo of a 100% rye loaf, not RYE's own. Photo: Veganbaking.net, CC BY-SA 2.0, via Wikimedia Commons; cut out and placed on a tile by us, shared under CC BY-SA 2.0.
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 $279 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
$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
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
$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
$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
$810
Real Lease Cost, over all the months, our estimate
$29,160
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
not in the listing
Cap reduction
inside the money due at signing, not split out
Effective monthly, before tax
$392
Effective monthly, after tax
$410
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More deals like this (6 cars)
More Toyota deals
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 $275 a month. With everything added, it is $711 a month. The biggest piece is insurance, $175 a month (our estimate for the U.S. average, $140 to $210; type yours).
The listed payment$275
Money due when you sign ($2,613), spread over 36 months+ $73
Tax, at the rate the ad states+ $17
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
Gas, our estimate+ $152
Real Lease Cost, each month$711
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 $324 a month. With everything added, it is $714 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$324
Money due when you sign ($1,536), spread over 36 months+ $43
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
Gas, our estimate+ $158
Real Lease Cost, each month$714
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.
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