In short
Appraisal values in Baja California changed by +8.9% over a year (SHF index, second quarter of 2026). The average fixed-rate mortgage offer was 11.29% in September 2026 (Banco de México).
Baja California carries no single tax figure here, since each municipality sets its own. Four are computed, and Mexicali's MX$67,000 is the lowest of them while Ensenada's and Playas de Rosarito's MX$76,500 are the highest. For a MX$3 million purchase, Mexicali comes to MX$67,000, Tijuana to MX$69,080, and Ensenada and Playas de Rosarito both to MX$76,500. The state recording charge, however, is the same everywhere: MX$12,794 at MX$1 million, MX$3 million and MX$8 million.
On the market side, the median SHF appraisal of mortgaged homes over January-June 2026 is MX$1,587,201, the 5th highest of 32 states, over the national MX$1,299,580. The mean stands at MX$2,320,797, and the quartiles at MX$1,221,836 and MX$2,614,000. The state's population was 3,769,020 in 2020.
The state index shows 8.9% for the year, 7th of 32, versus 7.3% for Mexico. Mexicali's own index shows 9.6% and Tijuana's 8.6%. Ensenada and Playas de Rosarito have none of their own.
In 2025, 19,364 mortgages went to individual buyers, MX$1,117,012 on average, a population-adjusted 5.1, with the median state at 3.8. Renters occupy 22.6% of homes, 4th highest, with the median state at 14.4%. Real estate agents are not subject to any state rule.
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 Baja California
Buying: in Baja California the acquisition tax is set by each municipality. Payotte computes it on the pages of: Ensenada, Mexicali, Playas de Rosarito, Tijuana. Mortgage calculator.
The questions, answered
How much acquisition tax on a MX$3 million home in Baja California?
It depends on the municipality: on a MX$3 million home in Baja California, MX$76,500 in Ensenada, MX$67,000 in Mexicali, MX$76,500 in Playas de Rosarito, MX$69,080 in Tijuana, under the 2026 laws read by Payotte.
Are home prices rising in Baja California?
The SHF price index for Baja California changed by +8.9% 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 Baja California?
From January to June 2026, homes bought with a mortgage in Baja California were appraised at a median of MX$1,587,201 and a mean of MX$2,320,797; half of them were appraised between MX$1,221,836 and MX$2,614,000 (SHF). These are appraisal values, not sale prices.
What monthly payment on a MX$3 million home in Baja California?
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 Baja California?
Federal rules apply in Baja California 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 Baja California compares
Baja California sets no single rate: the acquisition tax is municipal, and Payotte computes 4 of its municipios. On a MX$3 million home it runs from MX$67,000 in Mexicali to MX$76,500 in Playas de Rosarito, with Tijuana MX$69,080 and Ensenada MX$76,500 between; the spread is MX$9,500, 1.1 times the lowest. The median of all 54 areas computed is MX$75,000.
The recording fee of Baja California depends on the state alone: MX$12,794 on MX$1 million, MX$12,794 on MX$3 million and MX$12,794 on MX$8 million, the same at every price, with a fixed part of MX$12,794.
In Baja California, homes bought with a mortgage were appraised at a median of MX$1,587,201 from January to June 2026: the 5th highest of the 32 entities, 22.1% above the national median of MX$1,299,580. The mean, MX$2,320,797, is 1.46 times the median, a sign of a few very expensive appraisals pulling it up; the upper quartile bound is 2.1 times the lower one. In that picture, a MX$3 million purchase is above the upper quartile bound of MX$2,614,000, in the top quarter of mortgage-financed homes.
The SHF price index of Baja California rose +8.9% in a year, 1.6 points faster than Mexico's +7.3%: 7th of 32 entities ranked. The 2025 SNIIV count is 19,364 home loans to individuals in Baja California, 5.1 per 1,000 residents of the 2020 census (median entity: 3.8), for an average of MX$1,117,012, 0.7 times the median appraisal. 22.6% of homes are rented there (2024), above the median entity's 14.4%, 4th highest.
A buyer at the state median appraisal with 20% down borrows MX$1,269,761; at the Banco de México average of 11.29% over 20 years that is MX$13,358 a month, against MX$25,248 for the MX$3 million example of this page.
| Measure | Value | Reference | Rank |
|---|---|---|---|
| Median appraisal | MX$1,587,201 | Mexico MX$1,299,580 | 5th of 32 |
| Mean appraisal | MX$2,320,797 | Mexico MX$1,960,032 | 4th of 32 |
| Quartiles of appraisals | MX$1,221,836 to MX$2,614,000 | Mexico MX$843,000 to MX$2,226,101 | ratio 2.14 |
| SHF price index, one year | +8.9% | Mexico +7.3% | 7th of 32 |
| Home loans to individuals, 2025 | 19,364 | average MX$1,117,012 | 9th of 32 |
| Loans per 1,000 residents | 5.1 | median entity 3.8 | 9th of 32 |
| Residents, 2020 census | 3,769,020 | 2.99% of Mexico | 11th of 32 |
| Homes rented, 2024 | 22.6% | median entity 14.4% | 4th of 32 |
| Municipios computed | 4 | 4 listed | from MX$67,000 to MX$76,500 |
The figures
| Measure | Value | Source |
|---|---|---|
| SHF price index, Baja California, change over a year | +8.9% | SHF, Q2 2026 |
| SHF price index, Baja California, change over a year | +8.9% | SHF, Q2 2026 |
| Median appraisal value, Baja California (Jan.-June 2026) | MX$1,587,201 | SHF |
| Mean appraisal value, Baja California (Jan.-June 2026) | MX$2,320,797 | SHF |
| Home loans to individuals, Baja California, 2025 (new and existing homes) | 19,364 | SNIIV |
| Average amount of those loans | MX$1,117,012 | SNIIV |
| Share of homes rented, Baja California (2024) | 22.6% | Payotte calculation, INEGI ENIGH 2024 |
| 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 share of rented homes is Payotte's weighted count on 4,030 sampled homes of Baja California in INEGI's ENIGH 2024, without a margin of error.
Municipalities of Baja California on Payotte
Sources
- Recording fee: Ley de Ingresos del Estado de Baja California 2026, art. 12-I and III (last reform P.O. 35, 18 June 2026).
- 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.
- Renting: INEGI, Encuesta Nacional de Ingresos y Gastos de los Hogares (ENIGH) 2024, housing microdata; share of rented homes computed by Payotte, no margin of error.