In short
Appraisal values in Campeche changed by +6.9% over a year (SHF index, second quarter of 2026). The average fixed-rate mortgage offer was 11.29% in September 2026 (Banco de México).
Appraisals in Campeche cluster just above the middle of the country. The SHF median value of a mortgaged home reached MX$1,334,000 for January to June 2026, which puts the state 12th of 32; the national median is MX$1,299,580. A mean of MX$1,595,079 points to a tail of costlier homes, and the quartile marks sit at MX$1,021,730 and MX$1,872,250.
The SHF price index tells a slightly slower story. Its annual gain of 6.9% ranks 22 of 32, short of the 7.3% recorded for Mexico overall. Credit is sparse as well: individuals signed 1,823 home loans during 2025, averaging MX$1,014,766, which comes to 2 loans for each 1,000 inhabitants while the median state records 3.8.
Renting plays a small role here. The ENIGH survey for 2024 found 8.6% of homes rented, well below the median state at 14.4%, and Campeche lands 31st of 32 when states are ordered from the highest share. The state has no rule of its own for real estate agents. Payotte covers no Campeche municipality so far, hence no local tax is computed on this page.
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 Campeche
Buying: Payotte does not compute the acquisition tax in Campeche yet, because the 2026 law could not be read at an official source. The municipal treasury or the notary gives the amount; the mortgage calculator works everywhere. Mortgage calculator.
The questions, answered
How much acquisition tax in Campeche?
Payotte does not compute it yet for any municipality of Campeche: each municipality's 2026 law sets it, and Payotte publishes no figure it has not read at the source. Ask the municipal treasury or the notary.
Are home prices rising in Campeche?
The SHF price index for Campeche changed by +6.9% 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 Campeche?
From January to June 2026, homes bought with a mortgage in Campeche were appraised at a median of MX$1,334,000 and a mean of MX$1,595,079; half of them were appraised between MX$1,021,730 and MX$1,872,250 (SHF). These are appraisal values, not sale prices.
What monthly payment on a MX$3 million home in Campeche?
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 Campeche?
Federal rules apply in Campeche 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 Campeche compares
Payotte computes the acquisition tax of no municipio of Campeche yet; the page keeps to the state recording fee, the SHF figures and the loan. Across the section, 54 areas are computed and the median acquisition tax on MX$3 million is MX$75,000.
In Campeche, homes bought with a mortgage were appraised at a median of MX$1,334,000 from January to June 2026: the 12th highest of the 32 entities, close to the national median of MX$1,299,580. The mean, MX$1,595,079, is 1.2 times the median, so the distribution is fairly even; the upper quartile bound is 1.8 times the lower one. In that picture, a MX$3 million purchase is above the upper quartile bound of MX$1,872,250, in the top quarter of mortgage-financed homes.
The SHF price index of Campeche rose +6.9% in a year, 0.4 points slower than Mexico's +7.3%: 22nd of 32 entities ranked. The 2025 SNIIV count is 1,823 home loans to individuals in Campeche, 2 per 1,000 residents of the 2020 census (median entity: 3.8), for an average of MX$1,014,766, 0.76 times the median appraisal. 8.6% of homes are rented there (2024), below the median entity's 14.4%, among the three lowest.
A buyer at the state median appraisal with 20% down borrows MX$1,067,200; at the Banco de México average of 11.29% over 20 years that is MX$11,227 a month, against MX$25,248 for the MX$3 million example of this page.
| Measure | Value | Reference | Rank |
|---|---|---|---|
| Median appraisal | MX$1,334,000 | Mexico MX$1,299,580 | 12th of 32 |
| Mean appraisal | MX$1,595,079 | Mexico MX$1,960,032 | 20th of 32 |
| Quartiles of appraisals | MX$1,021,730 to MX$1,872,250 | Mexico MX$843,000 to MX$2,226,101 | ratio 1.83 |
| SHF price index, one year | +6.9% | Mexico +7.3% | 22nd of 32 |
| Home loans to individuals, 2025 | 1,823 | average MX$1,014,766 | 30th of 32 |
| Loans per 1,000 residents | 2 | median entity 3.8 | 22nd of 32 |
| Residents, 2020 census | 928,363 | 0.74% of Mexico | 30th of 32 |
| Homes rented, 2024 | 8.6% | median entity 14.4% | 31st of 32 |
| Municipios computed | 0 | 1 listed | none |
The figures
| Measure | Value | Source |
|---|---|---|
| SHF price index, Campeche, change over a year | +6.9% | SHF, Q2 2026 |
| SHF price index, Campeche, change over a year | +6.9% | SHF, Q2 2026 |
| Median appraisal value, Campeche (Jan.-June 2026) | MX$1,334,000 | SHF |
| Mean appraisal value, Campeche (Jan.-June 2026) | MX$1,595,079 | SHF |
| Home loans to individuals, Campeche, 2025 (new and existing homes) | 1,823 | SNIIV |
| Average amount of those loans | MX$1,014,766 | SNIIV |
| Share of homes rented, Campeche (2024) | 8.6% | 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 2,194 sampled homes of Campeche in INEGI's ENIGH 2024, without a margin of error.
Municipalities of Campeche on Payotte
Sources
- 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.