BMW X3 Lease Deals
Compact luxury SUV with strong residuals and the most competitive lease math of BMW's SUV lineup.
Updated 2026-06-16 · Reviewed monthly
Est. monthly
$499
36 mo · 12k mi/yr
Due at signing
$4,499
Starting MSRP
$47,900
Residual / MF
59% / 4.20%
Why the BMW X3 leases the way it does
The monthly payment on a lease is driven by three things: the negotiated capitalized cost, the residual value at lease end, and the money factor (interest rate). On the X3, a typical 36-month deal amortizes about $19,639 of depreciation across 36 payments, plus a finance charge based on a money factor of roughly 0.00175 (~4.20% APR equivalent).
Lease highlights
- xDrive standard
- Demos and loaners offer big savings
Estimated monthly payment math
- Capitalized cost: ~$47,900 (MSRP, before negotiation)
- Residual (59%): $28,261
- Depreciation over term: $19,639
- Money factor: 0.00175 (~4.20% APR)
- Term: 36 months · 12,000 miles/year
Use our lease calculator to model your specific scenario, and check the payment math guide for a full walkthrough.