2026 BMW X5 PHEV

Lease structure

Color

gray

Location

New Jersey

Monthly (base)

$899/mo + tax

Due at signing

$6,137

Term

39 months

Miles / year

7,500

Money factor

0.00155 (3.7% APR)

Residual

53%

MSRP

$83,800

Selling price

$74,414

Broker fee

$699

How this scores

• Clutch Score

  MSRP vs. effective monthly — higher means more car for the payment
  43
• Discount off MSRP

  11.2% off vs ~8% brand avg
• Money factor vs buy rate

  0.7% APR markup
• Effective monthly vs segment

  $1074/mo effective vs ~$550 segment
• Drive-off level

  $6137 down (~6.8 payments)
• Broker fee vs market

  $699 vs ~$500 market

Available in New Jersey

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