2026 BMW X5

Lease structure

Color

white

Location

Northern California

Monthly (base)

$859/mo + tax

Due at signing

$4,090

Term

39 months

Miles / year

7,500

Money factor

0.00180 (4.3% APR)

Residual

53%

MSRP

$78,475

Selling price

$69,450

Broker fee

$599

How this scores

• Clutch Score

  MSRP vs. effective monthly — higher means more car for the payment
  45
• Discount off MSRP

  11.5% off vs ~8% brand avg
• Money factor vs buy rate

  1.3% APR markup
• Effective monthly vs segment

  $979/mo effective vs ~$550 segment
• Drive-off level

  $4090 down (~4.8 payments)
• Broker fee vs market

  $599 vs ~$500 market

Available in Northern California

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