BMW X5 Lease Deals
The X5 anchors BMW's mid-size SUV lineup; lease deals improve significantly on previous-model-year inventory.
Updated 2026-06-16 · Reviewed monthly
Est. monthly
$749
36 mo · 12k mi/yr
Due at signing
$5,999
Starting MSRP
$65,200
Residual / MF
57% / 4.56%
Why the BMW X5 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 X5, a typical 36-month deal amortizes about $28,036 of depreciation across 36 payments, plus a finance charge based on a money factor of roughly 0.00190 (~4.56% APR equivalent).
Lease highlights
- xDrive40i is the lease sweet spot
- PHEV xDrive50e qualifies for credits
Estimated monthly payment math
- Capitalized cost: ~$65,200 (MSRP, before negotiation)
- Residual (57%): $37,164
- Depreciation over term: $28,036
- Money factor: 0.00190 (~4.56% 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.