In short
The acquisition tax is 1.83% of the value in Colima (Colima) at MX$3 million. Appraisal values in Colima changed by +7.1% over a year (SHF index, second quarter of 2026). The average fixed-rate mortgage offer was 11.29% in September 2026 (Banco de México).
Colima taxes a purchase on a marginal table rather than a single rate, which is why its effective share climbs with price: 1.5% for a MX$1 million home, 1.83% for MX$3 million and 1.94% for MX$8 million. The base is the highest of the cadastral value, a commercial appraisal and the price. The property transfer tax (ISTP) comes to MX$15,025, MX$55,025 and MX$155,025 across those three cases.
For the MX$3 million case, only 3 of the 54 computed areas charge less and 49 charge more, making Colima the 4th lightest. Puebla sits just ahead at MX$54,000 and Manzanillo, in the same state, just behind at the same MX$55,025. The national median stands at MX$75,000, well above all three. In daily UMA units of MX$117.31, the Colima tax equals 469.
The state registry charge also scales with value, following the Ley de Hacienda del Estado: a fixed number of UMA up to a ceiling of value, then 0.3% with a minimum and a maximum, plus 2 UMA to examine the deed. In pesos it is MX$3,235 for a MX$1 million deed, MX$9,235 for MX$3 million and MX$24,235 at the MX$8 million end. In the middle case tax and fee add up to MX$64,260, or 2.14% of the price.
Colima has no SHF index of its own, so the state figures stand in. The median appraisal of mortgaged homes is MX$1,136,195, 25th of 32, short of Mexico's MX$1,299,580, and the mean is MX$1,476,614. The index advanced 7.1% in annual terms, 19 of 32, against 7.3% for Mexico. In 2025, 4,838 loans reached individuals, MX$902,572 on average, which is 6.6 per 1,000 people against 3.8. And 23% of homes were rented in 2024, the 3rd highest share among the 32 states, where the median is 14.4%. The state counted 731,391 inhabitants in 2020, and no state rule covers its agents. Manzanillo's own index gained 6.8%. Colima ranks 25th of 32 states for its median appraisal, while Mexico as a whole stands at MX$1,299,580.
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 Colima
The questions, answered
How much tax and recording fee on a MX$3 million home in Colima?
On a MX$3 million home in Colima (Colima), taxed on the highest of the cadastral value, a commercial appraisal and the price, the buyer pays property transfer tax (ISTP) MX$55,025, recording fee, Registro Público de la Propiedad MX$9,235: MX$64,260 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 Colima?
On a MX$8 million home in Colima (Colima): property transfer tax (ISTP) MX$155,025, recording fee, Registro Público de la Propiedad MX$24,235, MX$179,260 in all, before notary fees.
What monthly payment on a MX$3 million home in Colima?
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 Colima?
Federal rules apply in Colima 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$6,220,414 at 5 November 2026 (art. 93-XIX-a).
How Colima compares
Colima charges MX$55,025 of acquisition tax (1.83%) on a MX$3 million home, 26.6% under the MX$75,000 median of the 54 municipios computed; 3 charge less and 49 more, 1 the same.
The tax follows a marginal table (limits in pesos): MX$15,025 on MX$1 million, MX$55,025 on MX$3 million and MX$155,025 on MX$8 million. The effective rate climbs from 1.5% to 1.94% between the first and the last price.
Inside Colima, the nearest computed neighbours on a MX$3 million home are Manzanillo MX$55,025 (same). The MX$9,235 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 2.14% of a MX$3 million price, MX$64,260, which is 2.5 monthly payments of MX$25,248 and 10.7% on top of the MX$600,000 down payment. On a home at the state median appraisal of MX$1,136,195 the same rules give MX$21,392, 1.88% of the price.
Ranked from the lightest to the heaviest of the 54 areas, Colima is 4th: just below it in the national ranking is Puebla (Puebla) at MX$54,000 and just above it is Manzanillo at MX$55,025. The lightest, Guanajuato, takes MX$24,144 on the same MX$3 million, so a buyer in Colima pays MX$30,881 more; the heaviest, Querétaro, takes MX$170,306, MX$115,281 more than Colima.
Beyond the three prices of this page, tax and fee reach MX$41,260 on MX$2 million, MX$110,260 on MX$5 million and MX$271,260 on MX$12 million. Between MX$3 million and MX$8 million, each extra peso of price carries 2 centavos of acquisition tax, more than the 1.83% average at MX$3 million. In the daily unit of account (UMA, MX$117 in 2026) the MX$3 million tax is 469 UMA and the recording fee 79.
| Measure | Value | Reference | Rank |
|---|---|---|---|
| Colima: Acquisition tax on MX$1 million | MX$15,025 | median MX$21,588 | 4th of 54 lightest |
| Colima: Acquisition tax on MX$3 million | MX$55,025 | median MX$75,000 | 4th of 54 lightest |
| Colima: Acquisition tax on MX$8 million | MX$155,025 | median MX$232,239 | 2nd of 54 lightest |
| Colima: Effective rate at MX$3 million | 1.83% | median 2.5% | 4th of 54 lightest |
| Colima: Effective rate at MX$1 and 8 million | 1.5% and 1.94% | gap 0.44 points | rising |
| Colima: Tax on MX$3 million in UMA | 469 UMA | MX$117 per UMA | 15.4 monthly UMA |
| Colima: Recording fee on MX$3 million | MX$9,235 | 0.31% of the price | 16.8% of the tax |
| Colima: Tax and fee on MX$3 million | MX$64,260 | 2.14% of the price | 9th of 54 lightest |
| Colima: Tax and fee on MX$12 million | MX$271,260 | 2.26% of the price | 4.2 times the MX$3 million bill |
Appraisal values, home loans and renting for the whole of Colima are on its state page.
The figures
| Measure | Value | Source |
|---|---|---|
| Property transfer tax (ISTP) on MX$3 million | MX$55,025 | Ley de Hacienda para el Municipio de Colima, art. 25 and 28 (last reform Decreto 196, P.O. 2 Dec. 2025) |
| Recording fee, Registro Público de la Propiedad on MX$3 million | MX$9,235 | Ley de Hacienda para el Estado de Colima, art. 62 Bis 1-I and I Bis (last reform P.O. 30 June 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 Colima are on its state page.
Elsewhere in Colima
Sources
- Acquisition tax: Ley de Hacienda para el Municipio de Colima, art. 25 and 28 (last reform Decreto 196, P.O. 2 Dec. 2025); the calculator.
- Recording fee: Ley de Hacienda para el Estado de Colima, art. 62 Bis 1-I and I Bis (last reform P.O. 30 June 2026).
- 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.