Lamborghini · Luxury SUV
Lamborghini Urus Lease Calculator
The SUV that doubled Lamborghini's production volume — and the most-leased vehicle the brand has ever sold.
Est. lease payment
$3,476
36 mo · 10,000 mi/yr
Due at signing
$30,576
10% down + fees
3-year retention
69%
$80,290 lost
True cost per month
$2,914
All-in, 5-year ownership
Baseline assumptions: 6.48% equivalent APR (0.0027 money factor), 7.25% sales tax, 60% residual. Data snapshot: August 2026. How estimates are built. Adjust everything below.
Build your Urus lease
Pre-filled with Lamborghini Urus figures. Change anything — the dealer's money factor and the bank's residual are the two numbers worth asking for by name.
The vehicle
Start with sticker, then the price you actually negotiated.
Residual value is always calculated from MSRP.
0.0% below MSRP
Term & usage
Longer terms lower the residual; higher mileage lowers it further.
60% of MSRP = $155,400Estimated from a 60% 36-month baseline, adjusted for your term and mileage.
Money & taxes
Money factor is the lease equivalent of an interest rate.
Equivalent to 6.48% APR
Most states tax the monthly payment, which is what this uses.
Cash & fees
Down payment and trade-in reduce the capitalized cost.
A large down payment is not protected if the car is totaled.
Acquisition fee, typically $995–$1,595 on luxury brands.
Registration, doc fee, and title paid in cash.
Lamborghini Urus — estimated
$3,476
per month for 36 months
1.34% of MSRP per month
- Depreciation63%$2,189
- Finance charge30%$1,052
- Sales tax7%$235
What each monthly payment is made of.
Down payment + upfront fees + first month
Price + financed fees − cash, trade, rebates
60% of MSRP
6.48% equivalent APR
30,000 miles included
Signing cash + all monthly payments
Lamborghini Urus at a glance
- MSRP
- $259,000
- Powertrain
- 4.0L twin-turbo V8
- Horsepower
- 657 hp
- 0–60 mph
- 3.5 sec
- Fuel economy
- 16 mpg
- Class
- Luxury SUV
Urus depreciation curve
Volume is the enemy of retention here. The Urus holds value well by SUV standards but noticeably worse than Lamborghini's mid-engine cars, because far more of them exist.
Projected resale value
From $259,000 MSRP over five years.
Year by year
| Year | Value | Retained |
|---|---|---|
| Year 1 | $217,560 | 84% |
| Year 2 | $196,840 | 76% |
| Year 3 | $178,710 | 69% |
| Year 4 | $163,170 | 63% |
| Year 5 | $150,220 | 58% |
What a Urus costs to run
Estimated annual running costs excluding depreciation, at 5,000 miles per year.
| InsuranceAgreed-value policy, per year | $5,600 |
|---|---|
| MaintenanceScheduled service and wear items, per year | $3,900 |
| FuelAt 5,000 miles per year | $1,219 |
| Registration & fees1.2% of value, varies by state | $2,611 |
| Total per yearBefore depreciation | $13,330 |
Five-year total cost
Everything included, at 5,000 miles per year.
- Depreciation
- $108,780
- Insurance
- $28,000
- Maintenance
- $21,060
- Fuel
- $6,094
- Registration & fees
- $10,878
- Five-year total
- $174,812
That is $2,914 per month, or $6.99 for every mile driven.
Lamborghini Urus — common questions
- How much is it to lease a Lamborghini Urus?
- At an MSRP of $259,000, a 36-month lease with 10,000 miles per year, a 0.0027 money factor, and $25,900 down works out to roughly $3,476 per month, with about $30,576 due at signing. Over the full term that is approximately $152,222. Your actual payment depends on the money factor and residual your dealer and leasing bank offer.
- What is the residual value on a Lamborghini Urus lease?
- A typical 36-month, 10,000-mile residual for the Lamborghini Urus is around 60% of MSRP, or about $155,400. Residual percentages are set by the leasing bank rather than the dealer and are not negotiable, though they change with term length and mileage allowance.
- How much does a Lamborghini Urus depreciate?
- The Lamborghini Urus is modeled to retain about 69% of its value after three years and 58% after five, meaning a loss of roughly $80,290 in the first three years. Volume is the enemy of retention here. The Urus holds value well by SUV standards but noticeably worse than Lamborghini's mid-engine cars, because far more of them exist.
- What does it cost to own a Lamborghini Urus per year?
- Including depreciation, insurance, maintenance, fuel, and registration, the Lamborghini Urus is estimated at about $34,962 per year over five years at 5,000 miles annually — roughly $2,914 per month. Depreciation alone accounts for 62% of that.
- How much is insurance on a Lamborghini Urus?
- Budget around $5,600 per year for an agreed-value policy on the Lamborghini Urus, though quotes vary widely with driving record, garaging location, annual mileage, and the insurer's appetite for the model. Specialty collector policies with mileage limits can cost considerably less.
- Is it better to lease or buy a Lamborghini Urus?
- The Lamborghini Urus retains about 69% of its value after three years, which is a meaningful loss to absorb personally. Leasing shifts that risk to the bank and is often the cheaper route over a three-year horizon, particularly if the manufacturer is subsidizing the money factor. Compare both with your own numbers before deciding.
Compare with
Path to own
How long until you can own this?
Carrying a Lamborghini Urus costs about $4,408 a month once finance and running costs are combined — implying roughly $22,038 of net monthly income at 20% of net monthly income, plus $30,576 up front. Enter your own figures to see which of those two is actually your constraint, and when it clears.
Calculate how many years away you are →More Urus math
Take the same figures into the other calculators.