In short
The acquisition tax is 2.08% of the value in Ciudad Juárez (Chihuahua) at MX$3 million. Appraisal values in Ciudad Juárez changed by +7.6% over a year (SHF index, second quarter of 2026). The average fixed-rate mortgage offer was 11.29% in September 2026 (Banco de México).
Ciudad Juárez applies a 2% property transfer tax (ISTD) with a 4% university surcharge on top, according to its own 2026 revenue law, filed under the official name Juárez. The base is whichever is greatest: the cadastral value, an appraisal or the figure in the deed. Since nothing else enters the calculation, the effective rate stays put at 2.08% whatever the price. A buyer paying MX$1 million owes MX$20,800, one paying MX$3 million owes MX$62,400, and the sum reaches MX$166,400 at MX$8 million.
At the MX$3 million mark only 17 of the 54 computed areas charge less, while 36 charge more, which makes Juárez the 18th lightest. Villahermosa, in Tabasco, sits just ahead with MX$60,000, and Chihuahua, the state capital, just behind with MX$62,775. The national median is MX$75,000, so Juárez lies clearly under the middle. Counted in the daily UMA unit worth MX$117.31, its tax is 532 UMA.
The deed must also be recorded at the state registry, which charges MX$19,635 at every example price. Add that to the tax and a MX$3 million purchase costs MX$82,035, or 2.73% of its price, before notary fees. Neither the registry fee nor the tax shifts the ranking, since the fee is the same in every Chihuahua municipality on Payotte.
The city's own SHF series climbed 7.6% across the latest year and ranks 19 of 36 cities that publish one. That edges past the 7.3% for Mexico, the 7.4% for the state and the 7% of the capital, so it is the fastest of the Chihuahua readings on this page.
A few statewide readings add context. Lenders issued 24,499 loans to individuals in 2025, with an average amount of MX$942,747. The rented share of homes reached 15.4% in 2024, against 14.4% for the median state, which puts Chihuahua 13th. The state median appraisal, MX$1,301,862, is 14th of 32, with Mexico at MX$1,299,580; the mean is MX$1,752,882. Real estate agents hold a protected professional title, and the state had 3,741,869 inhabitants in 2020.
The ordering around Juárez is tight. The lighter neighbour in the table, Villahermosa, belongs to Tabasco, while the heavier one is the capital of Juárez's own state, and the capital's index gained 7% against Juárez's 7.6%.
Data as of 15 October 2026: SHF appraisals of January to June 2026, SNIIV loans of 2025, INEGI ENIGH 2024, 2026 tax laws.
Calculate for Ciudad Juárez
The questions, answered
How much tax and recording fee on a MX$3 million home in Ciudad Juárez?
On a MX$3 million home in Ciudad Juárez (Chihuahua), taxed on the highest of an appraisal, the cadastral value and the value in the deed, the buyer pays property transfer tax (ISTD) MX$60,000, university surcharge (4% of the tax) MX$2,400, recording fee, Registro Público de la Propiedad MX$19,635: MX$82,035 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 Ciudad Juárez?
On a MX$8 million home in Ciudad Juárez (Chihuahua): property transfer tax (ISTD) MX$160,000, university surcharge (4% of the tax) MX$6,400, recording fee, Registro Público de la Propiedad MX$19,635, MX$186,035 in all, before notary fees.
Are home prices rising in Ciudad Juárez?
The SHF price index for Ciudad Juárez (Chihuahua) changed by +7.6% between the second quarters of 2025 and 2026, against +7.3% for Mexico; it measures appraisal values of homes bought with a mortgage (Sociedad Hipotecaria Federal).
What monthly payment on a MX$3 million home in Ciudad Juárez?
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 Ciudad Juárez?
Federal rules apply in Ciudad Juárez 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 Ciudad Juárez compares
Ciudad Juárez charges MX$62,400 of acquisition tax (2.08%) on a MX$3 million home, 16.8% under the MX$75,000 median of the 54 municipios computed; 17 charge less and 36 more.
The law applies one rate, 2%, to the taxable base, so the tax grows in step with the price: MX$20,800 on MX$1 million, MX$62,400 on MX$3 million and MX$166,400 on MX$8 million. In Ciudad Juárez, a 4% surcharge (University surcharge) is added to the tax.
Inside Chihuahua, the nearest computed neighbours on a MX$3 million home are Chihuahua MX$62,775 (MX$375 more). The MX$19,635 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 2.73% of a MX$3 million price, MX$82,035, which is 3.2 monthly payments of MX$25,248 and 13.7% on top of the MX$600,000 down payment. On a home at the state median appraisal of MX$1,301,862 the same rules give MX$46,713, 3.59% of the price.
Ranked from the lightest to the heaviest of the 54 areas, Ciudad Juárez is 18th: just below it in the national ranking is Villahermosa (Tabasco) at MX$60,000 and just above it is Chihuahua at MX$62,775. The lightest, Guanajuato, takes MX$24,144 on the same MX$3 million, so a buyer in Ciudad Juárez pays MX$38,256 more; the heaviest, Querétaro, takes MX$170,306, MX$107,906 more than Ciudad Juárez.
Beyond the three prices of this page, tax and fee reach MX$61,235 on MX$2 million, MX$123,635 on MX$5 million and MX$269,235 on MX$12 million. Between MX$3 million and MX$8 million, each extra peso of price carries 2.08 centavos of acquisition tax, the same as the average rate. In the daily unit of account (UMA, MX$117 in 2026) the MX$3 million tax is 532 UMA and the recording fee 167.
The SHF index of Ciudad Juárez itself moved +7.6% in a year, ahead of Chihuahua (+7.4%) and above Mexico (+7.3%): 19th of the 36 cities with an index of their own.
| Measure | Value | Reference | Rank |
|---|---|---|---|
| Ciudad Juárez: Acquisition tax on MX$1 million | MX$20,800 | median MX$21,588 | 25th of 54 lightest |
| Ciudad Juárez: Acquisition tax on MX$3 million | MX$62,400 | median MX$75,000 | 18th of 54 lightest |
| Ciudad Juárez: Acquisition tax on MX$8 million | MX$166,400 | median MX$232,239 | 16th of 54 lightest |
| Ciudad Juárez: Effective rate at MX$3 million | 2.08% | median 2.5% | 18th of 54 lightest |
| Ciudad Juárez: Effective rate at MX$1 and 8 million | 2.08% and 2.08% | gap 0 points | flat |
| Ciudad Juárez: Tax on MX$3 million in UMA | 532 UMA | MX$117 per UMA | 17.5 monthly UMA |
| Ciudad Juárez: Recording fee on MX$3 million | MX$19,635 | 0.65% of the price | 31.5% of the tax |
| Ciudad Juárez: Tax and fee on MX$3 million | MX$82,035 | 2.73% of the price | 24th of 54 lightest |
| Ciudad Juárez: Tax and fee on MX$12 million | MX$269,235 | 2.24% of the price | 3.3 times the MX$3 million bill |
| SHF index, Ciudad Juárez | +7.6% | Mexico +7.3% | 19th of 36 |
Appraisal values, home loans and renting for the whole of Chihuahua are on its state page.
The figures
| Measure | Value | Source |
|---|---|---|
| Property transfer tax (ISTD) on MX$3 million | MX$60,000 | Ley de Ingresos del Municipio de Juárez 2026, art. 38 and 43 (Decreto LXVIII/APLIM/0427/2025, P.O. 103, 24 Dec. 2025) |
| University surcharge (4% of the tax) on MX$3 million | MX$2,400 | Ley de Ingresos del Municipio de Juárez 2026, art. 38 and 43 (Decreto LXVIII/APLIM/0427/2025, P.O. 103, 24 Dec. 2025) |
| Recording fee, Registro Público de la Propiedad on MX$3 million | MX$19,635 | Ley Estatal de Derechos de Chihuahua, art. 29-I-a (last reform P.O. 103, 24 Dec. 2025) |
| SHF price index, Ciudad Juárez, change over a year | +7.6% | SHF, Q2 2026 |
| 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 Chihuahua are on its state page.
Elsewhere in Chihuahua
Sources
- Acquisition tax: Ley de Ingresos del Municipio de Juárez 2026, art. 38 and 43 (Decreto LXVIII/APLIM/0427/2025, P.O. 103, 24 Dec. 2025); the calculator.
- Recording fee: Ley Estatal de Derechos de Chihuahua, art. 29-I-a (last reform P.O. 103, 24 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.