In short
On a MX$3 million home in Tepic (Nayarit), the acquisition tax is MX$60,000 (2% of the value) and the fee to record the deed MX$15,461, under its 2026 law. Appraisal values in Tepic changed by +9.4% 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 Tepic
The questions, answered
How much tax and recording fee on a MX$3 million home in Tepic?
On a MX$3 million home in Tepic (Nayarit), taxed on the highest of the price, a certified bank or commercial appraisal and the cadastral value, the buyer pays property acquisition tax (ISAI) MX$60,000, recording fee, Registro Público de la Propiedad MX$15,461: MX$75,461 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 Tepic?
On a MX$8 million home in Tepic (Nayarit): property acquisition tax (ISAI) MX$160,000, recording fee, Registro Público de la Propiedad MX$15,461, MX$175,461 in all, before notary fees.
Are home prices rising in Tepic?
The SHF price index for Tepic (Nayarit) changed by +9.4% 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 monthly payment on a MX$3 million home in Tepic?
MX$2,400,000 borrowed (20% down) costs MX$25,281 a month over 20 years at 11.31% (Banco de México, August 2026); average CAT 13.78%.
How much tax when you sell a home in Tepic?
Federal rules apply in Tepic 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$6,199,266 at 15 October 2026 (art. 93-XIX-a).
How Tepic compares
Tepic charges MX$60,000 of acquisition tax (2%) on a MX$3 million home, 20% under the MX$75,000 median of the 54 municipios computed; 7 charge less and 37 more, 9 the same.
The law applies one rate, 2%, to the taxable base, so the tax grows in step with the price: MX$20,000 on MX$1 million, MX$60,000 on MX$3 million and MX$160,000 on MX$8 million. In Tepic, a floor of 10.04 UMA, MX$1,177, applies whatever the price.
Inside Nayarit, the nearest computed neighbours on a MX$3 million home are Bahía de Banderas MX$60,000 (same). The MX$15,461 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 2.52% of a MX$3 million price, MX$75,461, which is 3 monthly payments of MX$25,281 and 12.6% on top of the MX$600,000 down payment. On a home at the state median appraisal of MX$1,529,958 the same rules give MX$46,061, 3.01% of the price.
Ranked from the lightest to the heaviest of the 54 areas, Tepic is 16th: just below it in the national ranking is Tampico (Tamaulipas) at MX$60,000 and just above it is Villahermosa (Tabasco) at MX$60,000. The lightest, Guanajuato, takes MX$24,144 on the same MX$3 million, so a buyer in Tepic pays MX$35,856 more; the heaviest, Querétaro, takes MX$170,306, MX$110,306 more than Tepic.
Beyond the three prices of this page, tax and fee reach MX$55,461 on MX$2 million, MX$115,461 on MX$5 million and MX$255,461 on MX$12 million. Between MX$3 million and MX$8 million, each extra peso of price carries 2 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 511 UMA and the recording fee 132.
The SHF index of Tepic itself moved +9.4% in a year, behind Nayarit (+9.5%) and above Mexico (+7.3%): 7th of the 36 cities with an index of their own.
| Measure | Value | Reference | Rank |
|---|---|---|---|
| Tepic: Acquisition tax on MX$1 million | MX$20,000 | median MX$21,588 | 15th of 54 lightest |
| Tepic: Acquisition tax on MX$3 million | MX$60,000 | median MX$75,000 | 8th of 54 lightest |
| Tepic: Acquisition tax on MX$8 million | MX$160,000 | median MX$232,239 | 6th of 54 lightest |
| Tepic: Effective rate at MX$3 million | 2% | median 2.5% | 8th of 54 lightest |
| Tepic: Effective rate at MX$1 and 8 million | 2% and 2% | gap 0 points | flat |
| Tepic: Tax on MX$3 million in UMA | 511 UMA | MX$117 per UMA | 16.8 monthly UMA |
| Tepic: Recording fee on MX$3 million | MX$15,461 | 0.52% of the price | 25.8% of the tax |
| Tepic: Tax and fee on MX$3 million | MX$75,461 | 2.52% of the price | 17th of 54 lightest |
| Tepic: Tax and fee on MX$12 million | MX$255,461 | 2.13% of the price | 3.4 times the MX$3 million bill |
| SHF index, Tepic | +9.4% | Mexico +7.3% | 7th of 36 |
Appraisal values, home loans and renting for the whole of Nayarit are on its state page.
The figures
| Measure | Value | Source |
|---|---|---|
| Property acquisition tax (ISAI) on MX$3 million | MX$60,000 | Ley de Ingresos del Municipio de Tepic, Nayarit, 2026, art. 14 (P.O. 29 Dec. 2025) |
| Recording fee, Registro Público de la Propiedad on MX$3 million | MX$15,461 | Ley de Ingresos del Estado de Nayarit 2026, art. 18 (P.O. 29 Dec. 2025) |
| SHF price index, Tepic, change over a year | +9.4% | SHF, Q2 2026 |
| 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 appraisal values, loans and renting of Nayarit are on its state page.
Elsewhere in Nayarit
Sources
- Acquisition tax: Ley de Ingresos del Municipio de Tepic, Nayarit, 2026, art. 14 (P.O. 29 Dec. 2025); the calculator.
- Recording fee: Ley de Ingresos del Estado de Nayarit 2026, art. 18 (P.O. 29 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, August 2026.