Municipality · Coahuila

Buying a home in Saltillo: tax, fees, prices

Acquisition tax computed from the 2026 municipal law · recording fee of the state · SHF price index · Banco de México mortgage rates.

In short

On a MX$3 million home in Saltillo (Coahuila), the acquisition tax is MX$90,000 (3% of the value) and the fee to record the deed MX$26,726, under its 2026 law. Appraisal values in Saltillo changed by +7.2% over a year (SHF index, second quarter of 2026). The average fixed-rate mortgage offer was 11.31% in August 2026 (Banco de México).

Calculate for Saltillo

If you buy

Acquisition tax, recording fee and loan in Saltillo

Rates of Ley de Ingresos del Municipio de Saltillo 2026, art. 3 (Decreto 369, P.O. 102, 23 Dec. 2025). Change any field: the amounts are recalculated instantly.

Value taxedMX$3,000,000
Acquisition taxMX$90,000
Recording fee (Registro Público)MX$26,726
Total of the lines aboveat least MX$116,726
Loan with 20% downMX$2,400,000
Monthly payment, 20 years at 11.31%MX$25,281

The cadastre also charges MX$935 for the tax appraisal and a valuation fee of 1.8 per thousand of the appraised value, not included here. Coahuila: the law also mentions a 10% additional tax on registry fees and a 22.5% tax for education and public security; Payotte could not confirm how they apply, and they are not included.

Purchase of a home by an individual, at the general rate. Not included: notary fees (most state fee schedules could not be read), the appraisal, the certificate of liens, SRE fees for a foreign buyer, broker fees (no official scale). The payment uses the Banco de México average of lenders' fixed-rate offers, not an offer; your lender's CAT includes fees and insurance. All the rates and sources.

If you sell

Income tax on the sale

Federal rules, the same in every state: your tax residence decides.

Rule applied25% of the gross price, no deduction (LISR art. 160)
Income tax on the saleMX$750,000
Sale price after the taxMX$2,250,000

Default rule for a non-resident; the notary pays it at the signing. Option: 35% on the gain instead, computed with the resident rules (not computed here); it is cheaper when the gain is below about 71% of the price.

A second home, a rental or a lot does not get the main-home exemption. Not included: the 5% state payment on the gain (credited against the federal tax), notary and broker fees (no official scale). How the tax on a sale works.

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), taxed on the higher of the declared value and the municipal cadastre's appraisal, the buyer pays property acquisition tax (ISAI) MX$240,000, recording fee, Registro Público de la Propiedad MX$26,726: at least MX$266,726 in all under the 2026 laws read by Payotte, 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 does a home cost in Coahuila?

From January to June 2026, homes bought with a mortgage in Coahuila were appraised at a median of MX$1,020,703 and a mean of MX$1,438,369; half of them were appraised between MX$763,280 and MX$1,654,824 (SHF). These are appraisal values, not sale prices.

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

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 Saltillo?

Federal income tax 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, 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

MeasureValueSource
Property acquisition tax (ISAI) on MX$3 millionMX$90,000Ley 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 millionMX$26,726Ley 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
SHF price index, Coahuila, change over a year+7.9%SHF, Q2 2026
Median appraisal value, Coahuila (Jan.-June 2026)MX$1,020,703SHF
Mean appraisal value, Coahuila (Jan.-June 2026)MX$1,438,369SHF
Home loans to individuals, Coahuila, 2025 (new and existing homes)20,742SNIIV
Average amount of those loansMX$911,769SNIIV
Share of homes rented, Coahuila (2024)14.9%Payotte calculation, INEGI ENIGH 2024
Average fixed-rate mortgage offer (Aug. 2026)11.31%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 share of rented homes is Payotte's weighted count on 4,091 sampled homes of Coahuila in INEGI's ENIGH 2024, without a margin of error.

Elsewhere in Coahuila

Sources