In short
The acquisition tax is 2.7% of the value in Chapala (Jalisco) at MX$3 million. Appraisal values in Jalisco changed by +10.1% over a year (SHF index, second quarter of 2026). The average fixed-rate mortgage offer was 11.29% in September 2026 (Banco de México).
Chapala, whose localities include Ajijic, taxes a purchase through a table rather than one rate: a fixed amount plus a percentage of whatever exceeds each bracket, as the column headings of its 2026 revenue law read. The law prints no formula, so Payotte follows those headings. The assessed value is the higher of an appraisal approved by the municipal cadastre and the agreed price. A purchase priced at MX$3 million draws a property transfer tax (ITP) of MX$80,900, while MX$1 million draws MX$25,650 and MX$8 million draws MX$230,900. The effective share therefore climbs from 2.57% to 2.7% and then 2.89%.
Among the 54 municipalities computed, Chapala is 32nd lightest: 31 charge less, 22 charge more, and the national median of MX$75,000 lies below its figure. Playas de Rosarito, in Baja California, is the next lighter name at MX$76,500, and San Miguel de Allende, in Guanajuato, the next heavier at MX$82,007. Inside Jalisco it is the lightest of the four municipalities covered: Zapopan owes MX$85,200, Guadalajara MX$85,650 and Puerto Vallarta MX$85,797.
Jalisco's recording charge is MX$4,801, so tax plus charge totals MX$85,701 for the MX$3 million case, 2.86% of that sum.
Behind the municipality stands a fast state market. The SHF index rose 10.1%, 2nd of 32, while Mexico's rose 7.3%, and the 2024 survey found rentals in 26.3% of homes, also 2nd from the top, with the median state at 14.4%. The index figure belongs to the whole state, since Chapala has no series of its own.
Data as of 15 October 2026: SHF appraisals of January to June 2026, SNIIV loans of 2025, INEGI ENIGH 2024, 2026 tax laws.
Includes: Ajijic, Chapala (municipality of Chapala).
Calculate for Chapala
The questions, answered
How much tax and recording fee on a MX$3 million home in Chapala?
On a MX$3 million home in Chapala (Jalisco), taxed on the higher of an appraisal approved by the municipal cadastre and the agreed price (state law, art. 114), the buyer pays property transfer tax (ITP) MX$80,900, recording fee, Registro Público de la Propiedad MX$4,801: MX$85,701 in all under the 2026 laws read by Payotte, before notary fees.
How much tax and recording fee on a MX$8 million home in Chapala?
On a MX$8 million home in Chapala (Jalisco): property transfer tax (ITP) MX$230,900, recording fee, Registro Público de la Propiedad MX$4,801, MX$235,701 in all, before notary fees.
What monthly payment on a MX$3 million home in Chapala?
MX$2,400,000 borrowed (20% down) costs MX$25,248 a month over 20 years at 11.29% (Banco de México, September 2026); average CAT 13.76%.
How much tax when you sell a home in Chapala?
Federal rules apply in Chapala as in every state: a seller who is not a Mexican tax resident pays by default 25% of the gross price (LISR art. 160), MX$750,000 on a MX$3 million sale, paid by the notary; a resident selling their own home is exempt up to 700,000 UDIS, about MX$6,218,823 at 4 November 2026 (art. 93-XIX-a).
How Chapala compares
At MX$80,900 on a MX$3 million home (2.7% of the price), Chapala sits near the middle of the 54 municipios computed, whose median is MX$75,000: 31 charge less, 22 more.
The tax follows a marginal table (limits in pesos): MX$25,650 on MX$1 million, MX$80,900 on MX$3 million and MX$230,900 on MX$8 million. The effective rate climbs from 2.57% to 2.89% between the first and the last price.
Inside Jalisco, the nearest computed neighbours on a MX$3 million home are Zapopan MX$85,200 (MX$4,300 more), Guadalajara MX$85,650 (MX$4,750 more) and Puerto Vallarta MX$85,797 (MX$4,897 more). The MX$4,801 recording fee comes from the state's own law, so it is identical in each of them and the gap is the municipal tax alone.
Tax and recording fee together take 2.86% of a MX$3 million price, MX$85,701, which is 3.4 monthly payments of MX$25,248 and 14.3% on top of the MX$600,000 down payment. On a home at the state median appraisal of MX$1,200,979 the same rules give MX$35,777, 2.98% of the price.
Ranked from the lightest to the heaviest of the 54 areas, Chapala is 32nd: just below it in the national ranking is Playas de Rosarito (Baja California) at MX$76,500 and just above it is San Miguel de Allende (Guanajuato) at MX$82,007. The lightest, Guanajuato, takes MX$24,144 on the same MX$3 million, so a buyer in Chapala pays MX$56,756 more; the heaviest, Querétaro, takes MX$170,306, MX$89,406 more than Chapala.
Beyond the three prices of this page, tax and fee reach MX$57,201 on MX$2 million, MX$145,701 on MX$5 million and MX$355,701 on MX$12 million. Between MX$3 million and MX$8 million, each extra peso of price carries 3 centavos of acquisition tax, more than the 2.7% average at MX$3 million. In the daily unit of account (UMA, MX$117 in 2026) the MX$3 million tax is 690 UMA and the recording fee 41.
| Measure | Value | Reference | Rank |
|---|---|---|---|
| Chapala: Acquisition tax on MX$1 million | MX$25,650 | median MX$21,588 | 37th of 54 lightest |
| Chapala: Acquisition tax on MX$3 million | MX$80,900 | median MX$75,000 | 32nd of 54 lightest |
| Chapala: Acquisition tax on MX$8 million | MX$230,900 | median MX$232,239 | 27th of 54 lightest |
| Chapala: Effective rate at MX$3 million | 2.7% | median 2.5% | 32nd of 54 lightest |
| Chapala: Effective rate at MX$1 and 8 million | 2.57% and 2.89% | gap 0.32 points | rising |
| Chapala: Tax on MX$3 million in UMA | 690 UMA | MX$117 per UMA | 22.7 monthly UMA |
| Chapala: Recording fee on MX$3 million | MX$4,801 | 0.16% of the price | 5.9% of the tax |
| Chapala: Tax and fee on MX$3 million | MX$85,701 | 2.86% of the price | 28th of 54 lightest |
| Chapala: Tax and fee on MX$12 million | MX$355,701 | 2.96% of the price | 4.2 times the MX$3 million bill |
Appraisal values, home loans and renting for the whole of Jalisco are on its state page.
The figures
| Measure | Value | Source |
|---|---|---|
| Property transfer tax (ITP) on MX$3 million | MX$80,900 | Ley de Ingresos del Municipio de Chapala 2026, art. 47 (decree 30011/LXIV/25, published 23 Dec. 2025) |
| Recording fee, Registro Público de la Propiedad on MX$3 million | MX$4,801 | Ley de Ingresos del Estado de Jalisco 2026, art. 16 (decree 30121/LXIV/25, published 23 Dec. 2025) |
| Average fixed-rate mortgage offer (Sep. 2026) | 11.29% | Banco de México, CF303 |
The SHF publishes home prices in pesos by state only; for a municipality it publishes an index, not a price. The appraisal values, loans and renting of Jalisco are on its state page.
Elsewhere in Jalisco
Sources
- Acquisition tax: Ley de Ingresos del Municipio de Chapala 2026, art. 47 (decree 30011/LXIV/25, published 23 Dec. 2025); the calculator.
- Recording fee: Ley de Ingresos del Estado de Jalisco 2026, art. 16 (decree 30121/LXIV/25, published 23 Dec. 2025).
- Prices: Sociedad Hipotecaria Federal, Índice SHF de Precios de la Vivienda en México, second quarter of 2026 (press release 05/2026, 10 August 2026), consulted 2026-10-15 (data).
- Loans: SEDATU, Sistema Nacional de Información e Indicadores de Vivienda (SNIIV), open data « Financiamientos » 2025; Banco de México, SIE, Tasas de Interés de Crédito a los Hogares (CF303), Indicador del Costo de Créditos Hipotecarios, September 2026.