How much does it cost to lease the BMW X4?
Across 2 live X4 listings on LeaseGuru, monthly payments range from $749 to $1,199, averaging about $974/mo. Confirm taxes and fees for your area before signing.
BMW X4 Lease Deals
2 active listings from $749/mo.
BMW X4 lease deals near you
2 deals
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- View deal detailsPhoto unavailableBmw
2026 BMW X4
- Payment:
- $749/mo
- Term:
- 36 mo
New York
- View deal detailsPhoto unavailableBmw
2026 BMW X4 M
- Payment:
- $1,199/mo
- Term:
- 36 mo
New York
About the X4
The X4 is BMW's coupe-roofed midsize SUV, the smaller sibling to the X6. Compare its program against the X3, since the styling premium can affect both payment and residual.
BMW quick facts
- Founded
- 1916
- Headquarters
- Munich, Germany
- Country
- Germany
- Official site
- www.bmwusa.com
Lease insights
Based on current X4 listings for BMW in our feed.
- Average payment
- $974/mo
- Payment range
- $749 - $1,199/mo
- Common terms
- 36 mo
- Avg. drive-off
- Not specified
State coverage
- New York (2)
BMW X4 lease calculator
This BMW X4 lease calculator starts from an approximate base-trim MSRP of $52,000 (unverified; listed X4 deals may be higher trims). Live X4 listings on this page run $749–$1,199/mo; advertised deals usually include dealer discounts, lease cash and money due at signing that this estimate doesn't assume.
Selling price starts at that MSRP. Enter the price you were quoted. The 36-month term, residual, and money factor are generic placeholders, not BMW program rates. The same calculator has its own page: car lease calculator.
Monthly payment
$709.37
Due at signing $1,404.37
Vehicle
At sticker
Lease program
Term
Miles per year
Mileage changes the payment only by changing the residual. Enter the residual for this allowance. The calculator does not guess one.
Percent of MSRP, like 58. Not the dollar residual.
Multiply by 2,400 for a rough APR. Ask for the buy rate before any markup.
Cash that lowers the price
Cash you pay at signing. You don't get it back if the car is totaled.
Positive if the trade is worth more than you owe. Negative if you roll debt in.
Lease cash. It lowers the price the payment is based on.
Fees
Sample starts at $695. Use the amount on your worksheet.
Title, registration, and similar charges.
Tax
Leave blank if you only want the pre-tax payment. Enter 8.25 for 8.25%.
States do this differently. The state tax estimator is the place to check yours.
Deposits, one-pay, demo miles, lease end
Each deposit is one payment, rounded up to the next $50. You get them back at the end if the account is clean. They are not part of the cost.
From your program sheet. A figure you will see is 0.00007, and it is not universal.
Leave at 0 for a new car. Demo miles usually reduce the residual.
Residual cut per mile
Due if you return the car. Counted in total cost, not in the monthly.
Cash back after you sign. Lowers total cost, not the payment.
Monthly payment
$709.37
About 3.00% APR. 12,000 miles/year. Residual $30,160.00.
- Depreciation$606.67
- Rent charge$102.70
- Before tax.
- Due at signing
- $1,404.37
- Effective
- $728.67
- Value score
- 5.9
Effective spreads due-at-signing, disposition, and post-sale rebates across the term. Refundable deposits are left out. Value score is MSRP divided by a year of that effective payment. Higher means less of the sticker per year.
- Price the payment is based on
- $52,000.00
- First payment
- $709.37
- Fees due now
- $695.00
- Due at signing
- $1,404.37
- Total over the term
- $26,232.20
If you financed this price
$934.37/mo on $52,000.00 financed. That leaves out lease-only fees and sales tax on a purchase. The lease vs buy tool adds resale value.
X4 trims and lease pricing
Most-listed BMW X4 trims in our feed and the lowest advertised monthly payment seen on each.
| Trim | Live listings | From |
|---|---|---|
| M | 1 |
Why lease a BMW?
Potential advantages
- Leasing can reduce long-term exposure to luxury depreciation
- Frequent model updates make shorter upgrade cycles appealing
- Premium feature sets are often easier to access through lease structures
What to watch
- Insurance and maintenance costs can be higher than mainstream brands
- Optioned trims can significantly increase monthly payment
BMW lease FAQ
What lease terms are common for the BMW X4?
Current X4 programs most often run 36 months. Longer terms can lower the monthly payment but usually raise total lease cost, so compare the full term before deciding.
How do I find the best lease deals for the BMW X4?
Compare live listings for the BMW X4 on LeaseGuru by filtering by payment caps and term length. Evaluate the total cost including drive-off fees to find the most value-focused offer.
Are advertised payments for the BMW X4 lease final?
No. Advertised monthly payments typically exclude local taxes, registration fees, and dealer doc fees. Always check localized pricing and incentives before signing any lease paperwork.
Not the right X4 yet?
Listings turn over constantly. Get an email when a new BMW X4 lease appears at or below your budget — no phone number needed.