2027 Kia K4

Ad $409$843/mo all-in estimate

Not in the ad: typical $3,116 due at signing used (in the monthly). Ask before you sign.

Open the original listing (leaves our site)

The receipt

The listed payment$409

Fees at signing (about)+ $87
Tax (about)+ $25
Extra miles+ $19
Insurance (about)+ $165
Gas (about)+ $138

Real Lease Cost™ (everything you pay), each month$843

Sources and read dates

The listed payment the Leasehackr Marketplace listing, read Nov 5.
Fees at signing (about) the Leasehackr Marketplace listing, read Nov 5. Where the ad gives no fees, we assume a $500 transfer fee, or the typical money due at signing.
Tax (about) State revenue department pages, 50 of 51 states sourced. Read Oct 30.
Extra miles the Leasehackr Marketplace listing, read Nov 5. Where the ad gives no per-mile rate, we use $0.25 a mile.
Insurance (about) The Zebra model quotes and MoneyGeek 2025 state averages. Quotes read Oct 19, state table read Oct 30.
Gas (about) U.S. Energy Information Administration (gas, week of Nov 2; electricity, August 2026). Read Nov 5.

about = our guess

See the math

How each part is worked out:

Gas Runs on gas only.

This adds payment, tax, miles, insurance and gas at 12,000 miles a year at U.S. average prices. 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

Offer ends Nov 12 (in 7 days)

Your miles or state are different?

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Answer the three questions on the home page

New lease Leasehackr Marketplace (broker offers) Gas Sedan Only one site lists this. Not confirmed.

Only one site lists this, so check it before you pay.

2027 Kia K4 (photo for reference, not the listed car) — Photo of this model from another year, not this exact car. Credit: Elise240SX, CC BY-SA 4.0, via Wikimedia Commons

Read from Leasehackr Marketplace (broker offers) on Nov 5, 2026.

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.

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Incentives

We did not read any incentive for this offer. That does not mean there is none. Ask the dealer about lease cash, loyalty, military and college graduate offers.

Rule: an incentive counts only when its source says it comes on top of the advertised payment, so nothing is taken off twice. Offers for a group count only when you say you are in it.

Real Lease Check™

How this price compares

About even with similar cars

At 12,000 miles a year and U.S. average costs, 30 of the other 105 similar small cars we price today cost more than this one.

vs 105 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 29 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 that is not confirmed counts at its worse number.

Facts stated by the source on Nov 5, 2026.

The cheapest live car in the table is the 2026 Toyota Tundra with a Real Lease Cost of $500 a month. This car is $343 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 2027 Kia K4
Monthly payment in the ad	$409 plus tax
Months on the lease	36
Total due at signing	The ad does not say. We added the typical amount, $3,116 in total (median of 116 ads that state it in the same price band, read Nov 3 to Nov 5). Ask before you sign.
That $3,116, spread over 36 months	$87 a month, our estimate
Sticker price	$31,980 (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	$496
Tax, each month	$25
Monthly cost after tax	$521
Lease cost over all the months, before tax	$17,840
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	$165 a month for the U.S. average (range $130 to $200). We use the middle of the range. Source: The Zebra's national average for this model, read Oct 19, 2026. Full coverage, a typical driver with a clean record. Source and date
Gas, our estimate	$138 a month (about 30 mpg, middle of the EPA figures for the 2027 K4; EIA U.S. average regular, week of Nov 2)
Real Lease Cost, each month	$843
Real Lease Cost, over all the months, our estimate	$30,348
Listing status	live
Source read	Nov 5, 2026

For the experts: the exact lease terms

Lease terms for experts
When it ends	Offer ends Nov 12 (in 7 days)
MSRP	$31,980
Cap reduction	not stated
Effective monthly, before tax	$496
Effective monthly, after tax	$521
Effective as a share of MSRP, monthly	1.63%
Monthly cost vs sticker price	1.6% a month (high; a rule of thumb, not part of the ranking)
All-in cost as a share of MSRP	94.9%

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More deals like this (6 cars)

More Kia deals

2024 Kia Sorento, a photo of this model, not the listed car

2024 Kia Sorento EX

Ad $371$668/mo all-inestimate

Take-over, seller cash $1,231

Only one site lists this. Check it before you pay.

See this deal: 2024 Kia Sorento

Why this price?

Gas

Ad$371

Real$668

Grey is the ad. Violet is what we add. Gold stripes are our estimates. Dashed: cash the seller pays you.

+$297 we added. Most of it is our estimate.

Why +$297? insurance $182, gas $173, fees $56, tax $22, extra miles $1, minus cash the seller pays you $137

The seller says they will pay you $1,231, via LeaseTrader. Counted in the price.

You take over someone’s lease. You pay their last 9 months.

Transfer fee about $500 (in the monthly).

Needs the leasing company’s approval.

Gas $173/mo: about 24 mpg (EPA), U.S. average price

Lease ends Jul 2027 (9 months left)

9 months left, about $6,000 in all. Transfer fee about $500. Seller pays you $1,231.

Everything included: payment, tax, miles, insurance, gas.

The listed payment is $371 a month. The seller says they will pay you $1,231 to take it over, about $137 a month. With everything added, the real cost is $668 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$371

Cash the seller says they will pay you, each month- $137
Transfer fee about $500 (the listing does not say), spread over 9 months+ $56
Tax (about), because the ad gives no tax rate (6.1% national estimate, until you pick your state. Type your own rate in Your numbers.)+ $22
Miles: you drive 12,000 a year, the lease covers about 11,943 a year (from the miles left and months left)+ $1
Insurance (about) for the U.S. average (range $146 to $218). Type yours.+ $182
Gas (about)+ $173

Real Lease Cost, each month$668

LeaseTrader, read Nov 5. Insurance and gas are estimates, not quotes. about = our guess.

Photo of this model from another year, not this exact car. Photo: Benespit, CC BY-SA 4.0

2027 Kia Niro

Ad $306$694/mo all-inestimate

New lease

Only one site lists this. Check it before you pay.

See this deal: 2027 Kia Niro

Why this price?

Gas

Ad$306

Real$694

+$388 we added. Most of it is our estimate.

Why +$388? insurance $175, typical money due at signing $92, gas $83, tax $19, extra miles $19

A new lease from the dealer. You sign for 36 months.

Not in the ad: typical $3,315 due at signing used (in the monthly). Ask before you sign.

Gas $83/mo: 50 mpg (EPA), U.S. average price

Offer ends Nov 12 (in 7 days)

Everything included: payment, tax, miles, insurance, gas.

The listed payment is $306 a month. With everything added, it is $694 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$306

Money due at signing: the ad does not say. We added $92 a month, the typical amount (median of 148 ads that state it in the same price band, read Nov 3 to Nov 5).+ $92
Tax (about), because the ad gives no tax rate (6.1% national estimate, until you pick your state. Type your own rate in Your numbers.)+ $19
Miles: you drive 12,000 a year, the lease covers 10,000+ $19
Insurance (about) for the U.S. average (range $140 to $210). Type yours.+ $175
Gas (about)+ $83

Real Lease Cost, each month$694

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 Nov 5. Insurance and gas are estimates, not quotes. about = our guess.

Photo of this model from another year, not this exact car. Photo: Alexander Migl, CC BY-SA 4.0

2023 Kia K5, a photo of this model, not the listed car

2023 Kia K5 GT-Line

Ad $429$754/mo all-inestimate

Take-over

Only one site lists this. Check it before you pay.

See this deal: 2023 Kia K5

Why this price?

GasAbout even with similar cars

Ad$429

Real$754

+$325 we added. Most of it is our estimate.

Why +$325? gas $148, insurance $142, tax $26, fees $9

You take over someone’s lease. You pay their last 55 months.

Transfer fee about $500 (in the monthly).

Needs the leasing company’s approval.

Gas $148/mo: about 28 mpg (EPA), U.S. average price

Lease ends May 2031 (55 months left)

55 months left, about $41,500 in all. Transfer fee about $500.

Everything included: payment, tax, miles, insurance, gas.

The listed payment is $429 a month. With everything added, it is $754 a month. The biggest piece is our gas estimate, $148 a month.

The listed payment$429

Transfer fee about $500 (the listing does not say), spread over 55 months+ $9
Tax (about), because the ad gives no tax rate (6.1% national estimate, until you pick your state. Type your own rate in Your numbers.)+ $26
Miles: you drive 12,000 a year, the lease covers about 13,636 a year (from the miles left and months left)+ $0
Insurance (about) for the U.S. average (range $114 to $170). Type yours.+ $142
Gas (about)+ $148

Real Lease Cost, each month$754

LeaseTrader, read Nov 5. Insurance and gas are estimates, not quotes. about = our guess.

Photo of this model from another year, not this exact car. Photo: Dinkun Chen, CC BY-SA 4.0

Other cars near $843 a month

2026 Hyundai Kona

Ad $299$746/mo all-inestimate

New lease

Only one site lists this. Check it before you pay.

See this deal: 2026 Hyundai Kona

Why this price?

Gas

Ad$299

Real$746

+$447 we added. Most of it is our estimate.

Why +$447? insurance $170, gas $148, typical money due at signing $92, extra miles $19, tax $18

3rd cheapest of 3 Kona offers nationwide

A new lease from the dealer. You sign for 36 months.

Not in the ad: typical $3,315 due at signing used (in the monthly). Ask before you sign.

Gas $148/mo: about 28 mpg (EPA), U.S. average price

Offer ends Nov 12 (in 7 days)

Everything included: payment, tax, miles, insurance, gas.

The listed payment is $299 a month. With everything added, it is $746 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$299

Money due at signing: the ad does not say. We added $92 a month, the typical amount (median of 148 ads that state it in the same price band, read Nov 3 to Nov 5).+ $92
Tax (about), 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 9,996+ $19
Insurance (about) for the U.S. average (range $135 to $205). Type yours.+ $170
Gas (about)+ $148

Real Lease Cost, each month$746

If you pay the ad’s end-of-lease rate instead: +$23 a month ($0.25 a mile, as the ad states).

SwapALease, read Nov 5. Insurance and gas are estimates, not quotes. about = our guess.

Photo of this model from another year, not this exact car. Photo: Kevauto, CC BY-SA 4.0

2026 Hyundai Sonata Hybrid, a photo of this model, not the listed car

2026 Hyundai Sonata Hybrid SEL HYBRID

Ad $389$748/mo all-inestimate

New lease

See this deal: 2026 Hyundai Sonata Hybrid

Why this price?

HybridAbout even with similar cars

Ad$389

Real$748

+$359 we added. Most of it is our estimate.

Why +$359? insurance $142, fees $89, gas $85, tax $24, extra miles $19

2nd cheapest of 2 Sonata Hybrid offers nationwide

A new lease from the dealer. You sign for 36 months.

$3,210 due at signing, besides the first payment (in the monthly).

From the carmaker’s own offers page

Gas $85/mo: about 49 mpg (EPA), U.S. average price

Offer ends Nov 30

Everything included: payment, tax, miles, insurance, gas.

The listed payment is $389 a month. With everything added, it is $748 a month. The biggest piece is insurance, $142 a month (our estimate for the U.S. average, $114 to $170; type yours).

The listed payment$389

Fees due when you sign ($3,210), spread over 36 months+ $89
Tax (about), because the ad gives no tax rate (6.1% national estimate, until you pick your state. Type your own rate in Your numbers.)+ $24
Miles: you drive 12,000 a year, the lease covers 10,000+ $19
Insurance (about) for the U.S. average (range $114 to $170). Type yours.+ $142
Hybrid: gas (about)+ $85

Real Lease Cost, each month$748

If you pay the ad’s end-of-lease rate instead: +$23 a month ($0.25 a mile, as the ad states).

Hyundai offers page, read Nov 5. Insurance and gas are estimates, not quotes. about = our guess.

Photo of this model from another year, not this exact car. Photo: MercurySable99, CC BY-SA 4.0

2026 Toyota Camry, a photo of this model, not the listed car

2026 Toyota Camry SE

Ad $379$748/mo all-inestimate

New lease

See this deal: 2026 Toyota Camry

Why this price?

HybridAbout even with similar cars

Ad$379

Real$748

+$369 we added. Most of it is our estimate.

Why +$369? insurance $170, gas $90, fees $67, tax $23, extra miles $19

5th cheapest of 8 Camry offers nationwide

A new lease from the dealer. You sign for 39 months.

$2,620 due at signing, besides the first payment (in the monthly).

From the carmaker’s own offers page

Gas $90/mo: about 46 mpg (EPA), U.S. average price

Offer ends Nov 30

Everything included: payment, tax, miles, insurance, gas.

The listed payment is $379 a month. With everything added, it is $748 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$379

Fees due when you sign ($2,620), spread over 39 months+ $67
Tax (about), because the ad gives no tax rate (6.1% national estimate, until you pick your state. Type your own rate in Your numbers.)+ $23
Miles: you drive 12,000 a year, the lease covers 10,000+ $19
Insurance (about) for the U.S. average (range $135 to $205). Type yours.+ $170
Hybrid: gas (about)+ $90

Real Lease Cost, each month$748

If you pay the ad’s end-of-lease rate instead: +$23 a month ($0.25 a mile, as the ad states).

Toyota offers page, read Nov 5. Insurance and gas are estimates, not quotes. about = our guess.

Photo of this model, not this exact car. Photo: MercurySable99, CC BY-SA 4.0

2027 Kia K4

Incentives

How this price compares

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More Kia deals

2024 Kia Sorento EX

2027 Kia Niro

2023 Kia K5 GT-Line

Other cars near $843 a month

2026 Hyundai Kona

2026 Hyundai Sonata Hybrid SEL HYBRID

2026 Toyota Camry SE