when you figure in

[Saneta]

From TOEIC listening part III, set 3, exercise 7:
Yeah, we could, but when you figure in the cost of time and gas getting to another store, it might end up being cheaper just to buy it here right now.
Please explain in bold above, thank you:)..

[Our Tort System]

I would reword the part in bold typeface in the following way:
...when you include the cost of....

http://www.thefreedictionary.com/figure+in
look under "Phrasal verbs"
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