Lease or Buy a Nissan Rogue? 3-Year Cost Compared (November 2026)
Over 3 years, leasing a 2027 Rogue SV costs $13,804 vs about $11,628 to buy and sell (per CarWhere data) — buy wins by $2,176, and buying's lead grows the longer you keep it.
By the CarWhere Research Team · Manufacturer lease programs, verified CarWhere deals and our depreciation report · Updated daily
Lease for 3 years
| Advertised payment | $279/mo × 36 mo |
|---|---|
| Due at signing | $4,039 |
| Total over 36 months | $13,804 |
| Lease cost, 3 years | $13,804 |
Nissan's California-region offer on the 2027 Rogue SV, ends November 30, 2026. No acquisition or disposition fee is listed with the offer, so none is added.
Buy, then sell after 3 years
| MSRP | $33,015 |
|---|---|
| Price CarWhere buyers pay | $30,744 |
| Resale at 3 years (−42.1%) | −$19,116 |
| Cash buy, 3 years | $11,628 |
| Financed at 0% APR, 3 years | $11,628 |
Price = the $33,015 MSRP minus the 6.9% median discount CarWhere buyers got across 12 verified Nissan deals (too few Rogue deals to use the model alone). Finance line: Nissan's 0% / 60-month APR offer, $0 down, interest paid in the first 36 months.
Buying wins by $2,176 over 3 years (cash); financed, the gap is $2,176 in favor of buying.
If you keep it longer
Leasing continuously at the same effective rate vs buying once and selling at year N (resale from our depreciation report; cash purchase).
| Years kept | Lease (continuous) | Buy and sell | Cheaper |
|---|---|---|---|
| 3 | $13,804 | $11,628 | Buy |
| 4 | $18,405 | $13,873 | Buy |
| 5 | $23,007 | $14,600 | Buy |
| 6 | $27,608 | $17,142 | Buy |
| 7 | $32,209 | $18,297 | Buy |
| 8 | $36,811 | $19,684 | Buy |
Assumptions
- Lease: $4,039 due at signing + $279 × 35 remaining payments = $13,804 over 36 months. You return the car with no excess-mileage or wear charges.
- Buy: the $33,015 MSRP minus the 6.9% median discount CarWhere buyers got across 12 verified Nissan deals (too few Rogue deals to use the model alone); sold after 3 years at 57.9% of the MSRP.
- Resale: CarWhere depreciation report (2026-10-25) for the Nissan Rogue — median used-listing price by model year vs the median new price.
- Excluded on both sides: sales tax, registration, insurance, maintenance.
FAQ
Is it better to lease or buy a Rogue?
Over 3 years, leasing a 2027 Rogue SV costs $13,804 vs about $11,628 to buy and sell (per CarWhere data) — buy wins by $2,176, and buying's lead grows the longer you keep it. The lease side is the current advertised Nissan offer ($279/mo for 36 months, $4,039 due at signing); the buy side is the $33,015 MSRP minus the 6.9% median discount CarWhere buyers got across 12 verified Nissan deals (too few Rogue deals to use the model alone), less the 42.1% a 3-year-old Rogue loses in value. Taxes, registration, insurance and maintenance are left out of both.
How much does a Rogue lose in value in 3 years?
About 42.1% below the new price at 3 years old, from median used-listing prices vs the median new price in CarWhere's depreciation report (2026-10-25). On this $33,015 MSRP that is a resale value of about $19,116.
How long do you have to keep a Rogue for buying to win?
Buying already costs less at 3 years ($11,628 vs $13,804 to lease), and the gap widens each year you keep it.
Does financing change the Rogue lease-or-buy math?
With Nissan's 0% APR for 60 months offer (ends November 30, 2026), financing the full price adds about $0 of interest in the first 3 years, so buying and selling costs about $11,628 vs $13,804 to lease. That assumes $0 down and top-tier credit.