In short
In Mexico a sale of land or a building takes effect between the parties by contract, but the law ties it to a form: the federal civil code requires a public deed (escritura pública, an instrument drawn up and kept by a notary) when the appraised value exceeds 365 times the daily minimum reference. Read in the 2026 UMA of MX$117.31, that is MX$42,818.15 (a Payotte calculation: 365 x 117.31), so virtually every home sale needs a deed. Because civil codes are state law, the threshold and wording in the state where the property stands decide the case.
What the federal code says
The Código Civil Federal (last reform published 14 November 2025) gives the basic rules for sales of real estate:
- Art. 2316: a sale needs no special form to be valid “except when it concerns real estate”.
- Art. 2317: a sale of real estate whose appraised value does not exceed 365 times the daily general minimum wage may be made in a private document signed by the parties before two witnesses, with the signatures ratified before a notary, a competent judge or the property registry.
- Art. 2319: two originals are made, one for the buyer and one for the registry.
- Art. 2320: above that value, the sale “shall be made by public deed”.
- Art. 2321: for goods already registered and not above the threshold, a cash sale can be formalised on the registry certificate itself, ratified before the registrar.
- Art. 2322: a sale of real estate “shall not produce effects against third parties until after it is registered”.
The code still says “minimum wage”. The constitutional desindexation decree provides that references to the minimum wage as a unit of account or reference in federal and state laws mean the Unidad de Medida y Actualización (UMA). INEGI published the 2026 UMA: MX$117.31 a day, in force from 1 February 2026. The federal civil code governs federal matters; a purchase of a flat in Cancún or a house in Guadalajara is governed by the civil code of that state.
State codes: same idea, own unit
Mexico City’s civil code repeats the same structure (arts. 2317 and 2320) but uses its own Unidad de Cuenta de la Ciudad de México instead of the minimum wage. The value of that unit was not read for this guide, so the Mexico City peso threshold is not stated here; check it with the notary. For the other states, the civil code of the state of the property must be read. The practical lesson is that “MX$42,818” is the federal figure and not a rule you can apply everywhere.
What the deed contains
Notary laws describe the content of a deed. Two examples:
Quintana Roo (Ley del Notariado, art. 89). The notary writes in Spanish (words in another language are allowed only as technical terms). The deed states place and date, the notary’s name and office number, the act and the parties; records the documents seen; for real estate the notary examines the title or titles, cites at least the last ownership title with its registry data or explains why it is not registered; records the parties’ declarations “under oath to tell the truth”, after warning them of the penalties for false statements; and identifies the property by nature, location, boundaries and, as far as possible, area. Art. 95 lets the parties ask for additions before signing, in which case the notary records that the deed was read and explained. Art. 97 requires final authorisation once all legal requirements have been met.
Jalisco (text read: decree 21459/LVII/06, arts. 84 and 87). The deed is in Spanish, amounts in numbers and words (words prevail if they differ), and the property data come from the registry or, if the property is unregistered, from a cadastral certificate. For transfers of real rights the notary inserts a certificate of freedom from liens valid for a maximum of 45 working days from issue, with listed exceptions (donations, succession proceedings, and a case where the buyer agrees in writing to waive it). That text is the original 2006 decree and later amendments were not checked.
Foreign buyers and the deed
Three federal points affect the deed for a foreigner:
- The Ley de Migración (art. 65) requires foreigners to prove regular immigration status in real-estate acts before a notary, and to make the renunciations required by article 27 of the Constitution.
- For a purchase outside the restricted zone the foreign investment regulation (art. 8) requires foreign documents to be legalised or apostilled and translated by an official translator (perito traductor).
- In a restricted-zone fideicomiso, the deed is signed by the bank as trustee after the SRE permit; see the trust explained.
After signing
The deed is kept in the notary’s protocol; the parties receive a certified copy (testimonio). Registration is what makes the sale effective against third parties; see the property registry. For the full order of events, see the step-by-step guide.
What it costs
The notary’s fee for the deed, the registration duty and the acquisition tax vary by state. The components are in closing costs in Mexico; a private document below the threshold saves the notary’s fee but not the registration.
Which professional to consult
The notary public drafts the deed (how the notary works). A real-estate lawyer can read the draft deed on your behalf (profile).
Frequently asked questions
Is a private purchase contract valid in Mexico?
Only up to the 365-unit threshold, and then with witnesses and ratification (CCF art. 2317). Above it, the code requires a public deed.
Is the deed in English?
The federal and state texts read require Spanish (Quintana Roo art. 89; Jalisco art. 84). Ask the notary about a courtesy translation; none of the laws read addresses one.
Does the deed prove I own the property?
It is the title document, but a sale only has effect against third parties after registration (CCF art. 2322).
Can I sign by power of attorney?
Federal texts allow representation. For purchases outside the restricted zone the SRE regulation requires a special power that expressly mentions the agreement, or a general power for acts of ownership.
Is the 365 threshold the same everywhere?
No. Mexico City uses its own unit, and every other state sets its own wording in its civil code.
More guides on buying
- Buying a condo in Mexico: the condominium regime
- Buying a home in Mexico: the steps from offer to deed
- Buying off-plan in Mexico: your PROFECO rights
- Cadastral value (valor catastral) in Mexico explained
- Certificate of liens in Mexico (libertad de gravamen)
- Closing costs when buying a home in Mexico
- Ejido land in Mexico: why buyers must be careful
- Property appraisal (avalúo) in Mexico: who signs one
- The notario público in a Mexican home purchase
- The Registro Público de la Propiedad in Mexico
Sources
- Código Civil Federal, arts. 2316-2322 (Cámara de Diputados, last reform 14 Nov. 2025) (consulted 15 October 2026)
- Código Civil para el Distrito Federal, arts. 2317, 2320 (Congreso de la Ciudad de México) (consulted 15 October 2026)
- INEGI, Comunicado de prensa 1/26: Unidad de Medida y Actualización (UMA), 8 Jan. 2026 (consulted 15 October 2026)
- Constitución Política (decree on desindexation of the minimum wage, transitory art. 3) (Cámara de Diputados) (consulted 15 October 2026)
- Ley del Notariado para el Estado de Quintana Roo, arts. 88-97 (last reform 25 March 2025) (consulted 15 October 2026)
- Ley del Notariado del Estado de Jalisco, decree 21459/LVII/06, arts. 84-87 (later amendments not checked) (consulted 15 October 2026)
- Reglamento de la Ley de Inversión Extranjera, art. 8 (Cámara de Diputados) (consulted 15 October 2026)