$807 a month all-in (payment, tax, miles, insurance and gas, added up) at 12,000 miles a year at U.S. average prices. The ad says $279. The receipt adds every step between the two.
Confirm every number with the seller or the leasing company before you commit. The all-in figure 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 ad saysSource: The listing itself, from 13 public sites. Newest read Oct 30.$279
Money due when you sign ($3,999), 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 30.+ $111
Tax, our estimate, because the ad gives no tax rate (U.S. average rate, until you pick your state)Source: State revenue department pages, 33 of 51 states sourced. Read Oct 30.+ $17
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 30.+ $19
Insurance, our estimate for the U.S. average: $178 (range $140 to $215). Your own quote may differ. Type yours.We use the middle of the range. 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 gallons×$4.27 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 30.+ $203
The cheapest live car in the table is the 2026 Toyota Corolla at $531 all-in. This car is $276 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
$279 plus tax
Months on the lease
36
Due when you sign
$4,278. It includes your first payment of $279. The other $3,999 is fees and any money down, and we count all of it.
That $3,999, spread over 36 months
$111 a month
Sticker price
not in the listing
Tax rate used
6.00% (our estimate, the source stated none)
Monthly cost before tax, money due at signing spread out
$390
Tax, each month
$17
Monthly cost after tax
$407
Lease cost over all the months, before tax
$14,043
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)
All in, each month
$807
All in, over all the months, our estimate
$29,052
Listing status
live
Source read
2026-10-30
For the experts: the exact lease terms
Lease terms for experts
When it ends
Offer ends Nov 2 (in 3 days)
MSRP
not in the listing
Cap reduction
inside the money due at signing, not split out
Effective monthly, before tax
$390
Effective monthly, after tax
$407
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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 LE
$531a month, everything in
Take-overGas
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.
Seen in one place only
Gas $126/mo: about 34 mpg (EPA), U.S. average price
The ad says $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 ad says$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 (U.S. average rate, until you pick your state)+ $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
All in, each month$531
LeaseTrader, read Oct 30. Insurance and gas are estimates, not quotes.
The ad says $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 ad says$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
All in, 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 30. Insurance and gas are estimates, not quotes.
The ad says $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 ad says$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
All in, 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 30. Insurance and gas are estimates, not quotes.
The ad says $256 a month. With everything added, it is $707 a month. The biggest piece is insurance, $170 a month (our estimate for the U.S. average, $135 to $205; type yours).
The ad says$256
Money due when you sign ($2,343), spread over 36 months+ $65
Tax, at the rate the ad states+ $26
Miles: you drive 12,000 a year, the lease covers 7,500+ $38
Insurance, our estimate for the U.S. average (range $135 to $205). Type yours.+ $170
Gas, our estimate+ $152
All in, each month$707
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 30. Insurance and gas are estimates, not quotes.
The ad says $319 a month. With everything added, it is $708 a month. The biggest piece is insurance, $168 a month (our estimate for the U.S. average, $134 to $202; type yours).
The ad says$319
Tax, our estimate, because the ad gives no tax rate (U.S. average rate, until you pick your state)+ $19
Miles: you drive 12,000 a year, the lease covers 7,500+ $38
Insurance, our estimate for the U.S. average (range $134 to $202). Type yours.+ $168
Gas, our estimate+ $164
All in, each month$708
If you pay the ad’s end-of-lease rate instead: +$56 a month ($0.25 a mile, as the ad states).
SwapALease, read Oct 30. Insurance and gas are estimates, not quotes.
Photo of this model from another year, not this exact car.
2026 Hyundai Sonata
$710a month, everything in
New leaseGas
A new lease from the dealer. You sign for 36 months, with money due at signing.
Offer ends Nov 6 (in 7 days)
Seen in one place only
Gas $152/mo: about 28 mpg (EPA), U.S. average price
The ad says $349 a month. With everything added, it is $710 a month. The biggest piece is insurance, $169 a month (our estimate for the U.S. average, $135 to $203; type yours).
The ad says$349
Tax, our estimate, because the ad gives no tax rate (U.S. average rate, until you pick your state)+ $21
Miles: you drive 12,000 a year, the lease covers 9,996+ $19
Insurance, our estimate for the U.S. average (range $135 to $203). Type yours.+ $169
Gas, our estimate+ $152
All in, each month$710
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.
