Is the Subaru Solterra lease a good deal?

Advertised at $495/mo, the Subaru Solterra truly costs about $595/mo once the $4,095 due at signing is spread across the 36-month term. We grade it D.

What is the real monthly cost of the Subaru Solterra lease?

About $595 per month, versus the $495 advertised payment.

Subaru Solterra Lease Deals: $495/mo, True Cost $595/mo (November 2026)

Name: Subaru Solterra lease
Brand: Subaru
Price: 495 USD
Availability: InStock

Updated November 2026 · Offer source

Advertised$495/mo

Due at signing$4,095

Term36 months

True cost$595/mo

GradeD

Offer endsNovember 30, 2026

vs rivals: Toyota bZ $480/mo · Toyota C-HR $530/mo · Kia Niro EV $402/mo

All 41 small SUVs with a lease, ranked →

Deal grade

Advertised

$495/mo

True cost

$595/mo

Graded on true cost as a percent of MSRP, against other small SUVs. This lease is 1.49%. How we grade

How $495 becomes $595

The ad says $495 a month, and it also asks for $4,095 at signing.
$495 of that is your first payment. The other $3,600 is extra money that you pay up front.
Spread across the 36 months of the lease, $3,600 is $100 a month.

$495advertised payment

$100up-front money, each month

$595true cost a month

$4,095

Due at signing

36 mo

Term

$21,420

Total cost

1.49%

Of MSRP each month

Every offer, ranked by true cost

Trim	Advertised	Due	Term	True cost	Grade
2027 Premium MSRP $39,970	$495	$4,095	36 mo	$595	D

The math for the 2027 Premium

Due at signing, with payment 1 in it: $4,095
35 more payments of $495: $17,325
Total for 36 months: $21,420
True cost each month: $595
Cost for each mile, with 30,000 miles allowed: $0.71

Tax, title, license, and dealer fees are extra. Try your own numbers

The offer ends November 30, 2026. See the offer page

Deal grade

Advertised

$455/mo

True cost

$513/mo

Graded on true cost as a percent of MSRP, against other small SUVs. This lease is 1.28%. How we grade

How $455 becomes $513

The ad says $455 a month, and it also asks for $2,555 at signing.
$455 of that is your first payment. The other $2,100 is extra money that you pay up front.
Spread across the 36 months of the lease, $2,100 is $58 a month.

$455advertised payment

$58up-front money, each month

$513true cost a month

$2,555

Due at signing

36 mo

Term

$18,480

Total cost

1.28%

Of MSRP each month

Every offer, ranked by true cost

Trim	Advertised	Due	Term	True cost	Grade
2027 Premium MSRP $39,970	$455	$2,555	36 mo	$513	B

The math for the 2027 Premium

Due at signing, with payment 1 in it: $2,555
35 more payments of $455: $15,925
Total for 36 months: $18,480
True cost each month: $513
Cost for each mile, with 30,000 miles allowed: $0.62

Tax, title, license, and dealer fees are extra. Try your own numbers

The offer ends November 30, 2026. See the offer page

How the Subaru Solterra lease changed

Since October 12, 2026, the true cost went up by $92 a month, from $503 to $595.

October 12, 2026: $475/mo, $1,475 due, 36 mo: $503
October 17, 2026: $475/mo, $1,475 due, 36 mo: $503
October 31, 2026: $475/mo, $1,475 due, 36 mo: $503
November 5, 2026: $495/mo, $4,095 due, 36 mo: $595
November 11, 2026: $495/mo, $4,095 due, 36 mo: $595

Each line is the best offer where most regions share it, on the day that we collected the offers.

How it ranks among small SUVs

The Subaru Solterra has the 37th lowest true cost of 41 small SUVs with an advertised lease this month. The lowest is the Mazda CX-30 at $316 a month.

The middle true cost in the class is $411 a month, and the Subaru Solterra costs $184 more. Each month it costs 1.49% of its MSRP, and the middle of the class is 1.33%.