How Much to Lease a Ferrari Purosangue in 2026

One Purosangue row, and what it assumes

A V12 with rear seats, wearing an SUV silhouette the way Maranello wears compromise — reluctantly and at full price. Term, miles, money factor, and residual are the error signal, and here the market adjustment shouts over all of them.

Luxemetry carries four Ferrari rows: 296 GTB, Roma, SF90, and Purosangue. This guide is the Purosangue's. I do not invent a monthly for a 12Cilindri, an F80, or any tailor-made spec. Those are not calculator rows on this site.

All figures assume 36 months, 10,000 miles a year, a 0.0027 money factor (6.48% comparison shorthand, not loan APR), 10% cash down, capitalized fees, cash fees, and 7.25% tax on the payment. Due at signing is the calculator's 10% down plus fees and the first month. Data snapshot: August 2026. Not dealer quotes. Ferrari prints no US sticker on its public model pages, so there is no official price to quote beside these.

• Purosangue. MSRP $430,000. Residual 68% ($292,400). Market adj. +20% over sticker. About $7,633 a month. Due at signing $51,833. Cash over the term $318,973.

The +20% is the payment

Work the arithmetic the desk hopes you will not. The transaction builds on roughly $516,000 — 20% over the $430,000 sticker, the allocation premium the secondary market currently charges. The bank's residual is calculated on MSRP, never on what you paid: 68% of $430,000 is $292,400. The $86,000 premium sits entirely on your side of the table, amortized into 36 payments.

Modeled retention says the car itself barely depreciates: 87% after three years — the highest of all 44 rows on this site, ahead of even the G63's 85%. Only $55,900 of the sticker is forecast to evaporate. The lease payment of $7,633 is not renting depreciation. It is renting the premium, with the depreciation as a rounding error.

That is why the Purosangue costs more to lease than a Cullinan — about $7,633 against $6,041 — on a $2,000 higher sticker. The Rolls transacts at a 1% discount; the Ferrari at a 20% surcharge. Same segment, opposite market structure, $1,592 a month of difference.

• Purosangue (this site). MSRP $430,000. Residual 68%. Adj. +20% over sticker. About $7,633 a month. Retention 87% — the site's best.

• Rolls-Royce Cullinan (this site). MSRP $428,000. Residual 56%. Adj. −1%. About $6,041 a month.

• Lamborghini Urus (this site). MSRP $259,000. Residual 60%. Adj. 0%. About $3,476 a month — less than half the Purosangue's payment.

• Mercedes-AMG G63 (this site). MSRP $195,500. Residual 72%. Adj. +8% over. About $2,513 a month — the same dynamic at a civilian scale.

Retention like this says buy — if you can buy at sticker

Five-year total cost of ownership at 5,000 miles a year models at about $3,370 a month — insurance at $9,800 a year, maintenance at $5,400, fuel for a V12, registration, and remarkably little depreciation. That is less than half the $7,633 lease payment. On the Corvette Z06, a 77% retention made buying the better contract; at 87%, the argument is not close.

But the ownership model assumes you acquired the car at MSRP — which is precisely what the +20% adjustment says you cannot readily do. An allocation at sticker requires a purchase history at the dealer that itself costs six figures of prior cars. The over-sticker car is the price of skipping that queue, and the lease is the price of financing the skip.

So the honest advice splits by buyer. With an allocation at sticker: buy it, drive it gently, and let the retention curve return most of the money. Without one: the $7,633 model is what impatience costs, and no calculator makes impatience cheap.

The residual is a percentage of MSRP, never of the transaction price. On discounted cars that quietly helps you; at +20% over sticker it is the whole problem.

Inside the Ferrari ladder

The stablemates put the premium in context. The 296 GTB models at about $4,585 on a 66% residual with a 5% over-sticker adjustment. The Roma — the approachable Ferrari — models at about $3,235 on a 60% residual at roughly sticker. The SF90 models at about $6,592 on a 58% residual with an actual 4% discount, because a $524,000 flagship eventually meets gravity.

The Purosangue out-payments all of them except nothing — it is the most expensive Ferrari to lease on this site, above even the SF90, on a sticker $94,000 lower. Allocation pricing, not machinery, sets that order.

Three years from now the modeled story says the premium fades as production catches demand — that is the direction every over-sticker car in history has traveled. The lease conveniently ends before the fade finishes. The bank knew that when it set 68%.

What I do with a dealer quote

I get the market adjustment in writing as its own line — not smeared into the capitalized cost. If the desk will not itemize it, the desk is negotiating it, and so should I. Then the five inputs: capitalized cost, residual percentage for this exact term and mileage, money factor, term, and mileage allowance.

I put those five into the lease calculator. If the formula and the worksheet disagree, a fee is in the deal I have not been shown — and at Ferrari stores, the fee is usually spelled 'adjustment.'

These estimates use 10,000 miles a year, which is double what most Purosangues will see. Re-quoting at 5,000 miles lifts the residual and meaningfully trims the payment. A large check at signing is prepaid depreciation, not equity — here, it is mostly prepaid premium.