What costs do you pay when buying property in Mexico in 2026?

ISAI (Impuesto Sobre Adquisición de Inmuebles) is the state acquisition tax, commonly planned in a broad band around 2% to 4.5% of the higher of price or cadastral value, depending on the state. Quintana Roo beach markets often sit toward the higher end of that tax story. Notario público fees follow state schedules and commonly add roughly 1% to 3% of the operation value, sometimes with IVA (value-added tax) on the fee portion, plus public registry rights and certificates of no lien.

Inside the restricted zone, foreigners usually add fideicomiso setup: SRE permit steps and bank trustee opening fees often discussed in the low thousands of US dollars. Direct-title inland buys in much of CDMX, Guadalajara or inland Mérida skip the trust layer but still pay ISAI and notary lines: Living in Puerto Vallarta and Living in Cancún. Appraisals and due-diligence counsel stack further. Expect RFC for the notary file: Get an RFC.

Budget annual fideicomiso administration if you bought through a bank trust, plus predial property tax and any condo cuota de mantenimiento: Property tax and Condominium fees. Bring completion funds through a Mexican account when possible: Open a bank account. Financing is a separate underwriting story: Foreigner mortgage.

Many movers rent first while title searches run: How to rent a home and Short-term housing. National living-cost context: How expensive is Mexico. Buying still does not replace INM residence.