Buying a home in Monterrey: tax, fees, prices

Calculate for Monterrey

Buying: Payotte does not compute the acquisition tax in Monterrey yet, because the 2026 law could not be read at an official source. The municipal treasury or the notary gives the amount; the mortgage calculator works everywhere. Mortgage calculator.

The questions, answered

How much acquisition tax in Monterrey?

Payotte does not compute it yet. Monterrey and San Pedro Garza García (Nuevo León): the state law read (a 2023 copy) sets 3% and lets municipalities subsidise the part above 2%; the state congress site, the 2026 revenue law and the municipal tariffs could not be reached. Payotte publishes no figure it has not read; the municipal treasury or the notary gives the amount.

Are home prices rising in Monterrey?

The SHF price index for Monterrey (Nuevo León) changed by +6.4% 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 does a home cost in Nuevo León?

From January to June 2026, homes bought with a mortgage in Nuevo León were appraised at a median of MX$1,214,074 and a mean of MX$2,042,664; half of them were appraised between MX$803,858 and MX$2,233,216 (SHF). These are appraisal values, not sale prices.

What monthly payment on a MX$3 million home in Monterrey?

With 20% down, a MX$2,400,000 fixed-rate loan over 20 years at 11.31%, the average offer of Mexican lenders in August 2026 (Banco de México), costs MX$25,281 a month; the lender's total annual cost (CAT) averaged 13.78% for its reference loan.

How much tax when you sell a home in Monterrey?

Federal income tax rules apply in Monterrey as in every state. A seller who is not a Mexican tax resident pays by default 25% of the gross price, with no deduction (LISR art. 160): MX$750,000 on a MX$3 million sale, paid by the notary at the signing; the seller may opt for 35% on the gain instead. A tax resident selling their own home is exempt up to 700,000 UDIS, about MX$6,199,266 at the Banxico UDI value of 15 October 2026, once every three years (art. 93-XIX-a); otherwise the gain is taxed after inflation updating and 3% yearly building depreciation, and 5% of it is paid to the state (art. 127).

The figures

The SHF publishes home prices in pesos by state only; for a municipality it publishes an index, not a price. The share of rented homes is Payotte's weighted count on 3,767 sampled homes of Nuevo León in INEGI's ENIGH 2024, without a margin of error.

Elsewhere in Nuevo León

• Nuevo Leónstate