In short
The acquisition tax is 3% of the value in Saltillo (Coahuila) at MX$3 million. Appraisal values in Saltillo changed by +7.2% over a year (SHF index, second quarter of 2026). The average fixed-rate mortgage offer was 11.29% in September 2026 (Banco de México).
Saltillo charges a flat 3% property acquisition tax (ISAI), assessed on the higher of the declared value and the municipal cadastre's appraisal. A MX$1 million home owes MX$30,000, a MX$3 million home MX$90,000, and a MX$8 million home MX$240,000. Since the rate never changes with price, the effective share stays at exactly 3%, and the MX$90,000 equals 767 UMA at MX$117.31 a day.
That makes it the 43rd lightest of 54 computed areas: 39 cost less and 11 cost more. The national median is MX$75,000. Puerto Peñasco, in Sonora, shares the MX$90,000 figure just below, and San Luis Potosí follows at MX$93,600. Torreón, the other Coahuila municipality here, owes MX$75,000, so the two cities of the same state sit on opposite sides of the national median, the lighter one exactly on it.
Extras push the bill higher. Coahuila's registry fee is MX$26,726 whatever the value, giving MX$116,726 together with the tax, or 3.89% of the MX$3 million. Even that is a minimum. The cadastre also charges MX$935 for the tax appraisal plus a valuation fee on the appraised value, and the state law mentions a 10% additional tax on registry fees and a 22.5% tax for education and public security. None of these are counted, because Payotte could not confirm how they apply.
The city's own SHF index is up 7.2% on a year earlier, 20 of 36 cities with an index, while Torreón's is up 7.7%. Across the state, the median mortgaged-home appraisal is MX$1,020,703, 29th of 32, short of Mexico's MX$1,299,580. The mean is MX$1,438,369, with the lower and upper quartiles at MX$763,280 and MX$1,654,824. The loan count for 2025 was 20,742, at an average of MX$911,769, and 14.9% of homes were rented, with the state ranking 14th on that share. Coahuila sets no state rule for real estate agents. Coahuila's population was 3,146,771 in 2020. Saltillo's own index and the state index, 7.9%, differ by a small margin, and the state ranks 14 of 32 on that measure.
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 Saltillo
The questions, answered
How much tax and recording fee on a MX$3 million home in Saltillo?
On a MX$3 million home in Saltillo (Coahuila), taxed on the higher of the declared value and the municipal cadastre's appraisal, the buyer pays property acquisition tax (ISAI) MX$90,000, recording fee, Registro Público de la Propiedad MX$26,726: at least MX$116,726 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 Saltillo?
On a MX$8 million home in Saltillo (Coahuila): property acquisition tax (ISAI) MX$240,000, recording fee, Registro Público de la Propiedad MX$26,726, at least MX$266,726 in all, before notary fees.
Are home prices rising in Saltillo?
The SHF price index for Saltillo (Coahuila) changed by +7.2% 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 Saltillo?
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 Saltillo?
Federal rules apply in Saltillo 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 Saltillo compares
On a MX$3 million home the acquisition tax of Saltillo is MX$90,000 (3%), 20% above the MX$75,000 median of the 54 municipios computed; 11 charge more and 39 less, 3 the same.
The law applies one rate, 3%, to the taxable base, so the tax grows in step with the price: MX$30,000 on MX$1 million, MX$90,000 on MX$3 million and MX$240,000 on MX$8 million.
Inside Coahuila, the nearest computed neighbours on a MX$3 million home are Torreón MX$75,000 (MX$15,000 less). The MX$26,726 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 3.89% of a MX$3 million price, MX$116,726, which is 4.6 monthly payments of MX$25,248 and 19.5% on top of the MX$600,000 down payment. On a home at the state median appraisal of MX$1,020,703 the same rules give MX$57,347, 5.62% of the price.
Ranked from the lightest to the heaviest of the 54 areas, Saltillo is 43rd: just below it in the national ranking is Puerto Peñasco (Sonora) at MX$90,000 and just above it is San Luis Potosí (San Luis Potosí) at MX$93,600. The lightest, Guanajuato, takes MX$24,144 on the same MX$3 million, so a buyer in Saltillo pays MX$65,856 more; the heaviest, Querétaro, takes MX$170,306, MX$80,306 more than Saltillo.
Beyond the three prices of this page, tax and fee reach MX$86,726 on MX$2 million, MX$176,726 on MX$5 million and MX$386,726 on MX$12 million. Between MX$3 million and MX$8 million, each extra peso of price carries 3 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 767 UMA and the recording fee 228.
The SHF index of Saltillo itself moved +7.2% in a year, behind Coahuila (+7.9%) and below Mexico (+7.3%): 20th of the 36 cities with an index of their own.
| Measure | Value | Reference | Rank |
|---|---|---|---|
| Saltillo: Acquisition tax on MX$1 million | MX$30,000 | median MX$21,588 | 43rd of 54 lightest |
| Saltillo: Acquisition tax on MX$3 million | MX$90,000 | median MX$75,000 | 40th of 54 lightest |
| Saltillo: Acquisition tax on MX$8 million | MX$240,000 | median MX$232,239 | 31st of 54 lightest |
| Saltillo: Effective rate at MX$3 million | 3% | median 2.5% | 40th of 54 lightest |
| Saltillo: Effective rate at MX$1 and 8 million | 3% and 3% | gap 0 points | flat |
| Saltillo: Tax on MX$3 million in UMA | 767 UMA | MX$117 per UMA | 25.2 monthly UMA |
| Saltillo: Recording fee on MX$3 million | MX$26,726 | 0.89% of the price | 29.7% of the tax |
| Saltillo: Tax and fee on MX$3 million | MX$116,726 | 3.89% of the price | 46th of 54 lightest |
| Saltillo: Tax and fee on MX$12 million | MX$386,726 | 3.22% of the price | 3.3 times the MX$3 million bill |
| SHF index, Saltillo | +7.2% | Mexico +7.3% | 20th of 36 |
Appraisal values, home loans and renting for the whole of Coahuila are on its state page.
The figures
| Measure | Value | Source |
|---|---|---|
| Property acquisition tax (ISAI) on MX$3 million | MX$90,000 | Ley de Ingresos del Municipio de Saltillo 2026, art. 3 (Decreto 369, P.O. 102, 23 Dec. 2025) |
| Recording fee, Registro Público de la Propiedad on MX$3 million | MX$26,726 | Ley de Hacienda para el Estado de Coahuila de Zaragoza, art. 54-II (reformed P.O. 30 Dec. 2025) |
| SHF price index, Saltillo, change over a year | +7.2% | 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 Coahuila are on its state page.
Elsewhere in Coahuila
Sources
- Acquisition tax: Ley de Ingresos del Municipio de Saltillo 2026, art. 3 (Decreto 369, P.O. 102, 23 Dec. 2025); the calculator.
- Recording fee: Ley de Hacienda para el Estado de Coahuila de Zaragoza, art. 54-II (reformed P.O. 30 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.