2026 BMW X5

Lease structure

Location

Washington

Monthly (base)

$900/mo + tax

Due at signing

$4,424

Term

39 months

Miles / year

7,500

Money factor

0.00180 (4.3% APR)

Residual

53%

MSRP

$77,400

Selling price

$70,434

Broker fee

$699

How this scores

• Clutch Score

  MSRP vs. effective monthly — higher means more car for the payment
  42
• Discount off MSRP

  9.0% off vs ~8% brand avg
• Money factor vs buy rate

  1.3% APR markup
• Effective monthly vs segment

  $1031/mo effective vs ~$550 segment
• Drive-off level

  $4424 down (~4.9 payments)
• Broker fee vs market

  $699 vs ~$500 market

Available in Washington

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