En breve
Sobre la vivienda mediana comprada con crédito en cada estado (SHF, primer semestre de 2026), con 20% de enganche a 15 años y la tasa promedio que registró Banxico en agosto de 2026 (11.31%), la mensualidad va de $7,820 en Tamaulipas (mediana de $845,500) a $30,536 en Mexico City (mediana de $3,301,516). A nivel nacional es de $12,020. Con la tasa más baja ofrecida (9%) la mensualidad nacional baja a $10,545; con la más alta (21.13%) sube a $19,133.
Los 32 estados
| Estado | Vivienda mediana | Enganche (20%) | Mensualidad al 9% | Al 11.31% (promedio) | Al 21.13% |
|---|---|---|---|---|---|
| Mexico City | $3,301,516 | $660,303 | $26,789 | $30,536 | $48,607 |
| Querétaro | $1,907,749 | $381,550 | $15,480 | $17,645 | $28,087 |
| Baja California Sur | $1,845,565 | $369,113 | $14,975 | $17,070 | $27,172 |
| Morelos | $1,711,685 | $342,337 | $13,889 | $15,832 | $25,201 |
| Baja California | $1,587,201 | $317,440 | $12,879 | $14,680 | $23,368 |
| Nayarit | $1,529,958 | $305,992 | $12,414 | $14,151 | $22,525 |
| Yucatán | $1,485,687 | $297,137 | $12,055 | $13,741 | $21,873 |
| Oaxaca | $1,451,000 | $290,200 | $11,774 | $13,420 | $21,363 |
| Puebla | $1,447,020 | $289,404 | $11,741 | $13,384 | $21,304 |
| State of Mexico | $1,364,588 | $272,918 | $11,072 | $12,621 | $20,090 |
| San Luis Potosí | $1,336,978 | $267,396 | $10,848 | $12,366 | $19,684 |
| Campeche | $1,334,000 | $266,800 | $10,824 | $12,338 | $19,640 |
| Quintana Roo | $1,310,995 | $262,199 | $10,638 | $12,126 | $19,301 |
| Chihuahua | $1,301,862 | $260,372 | $10,563 | $12,041 | $19,167 |
| Guerrero | $1,293,725 | $258,745 | $10,497 | $11,966 | $19,047 |
| Sinaloa | $1,254,600 | $250,920 | $10,180 | $11,604 | $18,471 |
| Guanajuato | $1,221,641 | $244,328 | $9,913 | $11,299 | $17,986 |
| Nuevo León | $1,214,074 | $242,815 | $9,851 | $11,229 | $17,874 |
| Jalisco | $1,200,979 | $240,196 | $9,745 | $11,108 | $17,682 |
| Aguascalientes | $1,200,000 | $240,000 | $9,737 | $11,099 | $17,667 |
| Hidalgo | $1,193,176 | $238,635 | $9,682 | $11,036 | $17,567 |
| Michoacán | $1,178,900 | $235,780 | $9,566 | $10,904 | $17,357 |
| Chiapas | $1,177,463 | $235,493 | $9,554 | $10,890 | $17,335 |
| Sonora | $1,175,452 | $235,090 | $9,538 | $10,872 | $17,306 |
| Colima | $1,136,195 | $227,239 | $9,219 | $10,509 | $16,728 |
| Tabasco | $1,077,788 | $215,558 | $8,745 | $9,969 | $15,868 |
| Zacatecas | $1,030,960 | $206,192 | $8,365 | $9,535 | $15,178 |
| Veracruz | $1,022,000 | $204,400 | $8,293 | $9,453 | $15,047 |
| Coahuila | $1,020,703 | $204,141 | $8,282 | $9,441 | $15,027 |
| Tlaxcala | $937,000 | $187,400 | $7,603 | $8,666 | $13,795 |
| Durango | $845,983 | $169,197 | $6,864 | $7,825 | $12,455 |
| Tamaulipas | $845,500 | $169,100 | $6,860 | $7,820 | $12,448 |
| México (nacional) | $1,299,580 | $259,916 | $10,545 | $12,020 | $19,133 |
Mediana: valor de avalúo de las viviendas compradas con crédito, enero a junio de 2026 (SHF). Crédito en pesos a tasa fija por el 80% de la mediana a 15 años; solo capital e intereses. Tasas mínima, promedio y máxima de las ofertas del indicador de Banxico de agosto de 2026.
Preguntas
¿En qué estado es más alta la mensualidad hipotecaria?
Mexico City: $30,536 al mes sobre la vivienda mediana de $3,301,516, con 20% de enganche a 15 años y 11.31%.
¿Por qué 20% de enganche y 15 años?
Es el caso de referencia del indicador del costo de créditos hipotecarios de Banxico (CF303): una vivienda de un millón de pesos, 20% de enganche, a 15 años. Payotte aplica el mismo caso a la mediana de cada estado.
¿La mensualidad incluye seguros?
No. Solo capital e intereses, a la tasa promedio. El CAT de una oferta suma seguros y comisiones: compare las ofertas por su CAT.