In short
Appraisal values in Hidalgo changed by +8.3% over a year (SHF index, second quarter of 2026). The average fixed-rate mortgage offer was 11.29% in September 2026 (Banco de México).
Hidalgo's SHF price index advanced 8.3% on the year, 11th of 32 entities and ahead of the 7.3% national reading. Prices themselves are lower: mortgaged purchases in January to June 2026 had a median appraisal of MX$1,193,176, ranked 21st among the 32 entities, with Mexico at MX$1,299,580. The average is MX$1,390,156, and the lower and upper quartiles are MX$834,743 and MX$1,633,550, so the top quartile edge passes the national median by a wide margin. The gap between median and average, MX$1,193,176 against MX$1,390,156, points to a minority of high-value appraisals.
Lending is slightly above the median entity. In 2025, 11,914 home loans went to individuals, averaging MX$895,196, a ratio of 3.9 per 1,000 of the 3,082,841 residents counted in 2020, against 3.8 for the median. Renting is less common than elsewhere: 11% of homes in 2024, placing Hidalgo 24th highest of 32, where the median across entities is 14.4%.
The only municipality computed on Payotte is Pachuca, where the tax on a MX$3 million purchase is MX$55,721. Payotte lists no SHF index of its own for Pachuca. The registry fee set by the Ley Estatal de Derechos (article 8, last reformed 31 December 2025) is MX$11,438 at 1, 3 or 8 million alike. No state rule governs real estate agents in Hidalgo.
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 Hidalgo
Buying: in Hidalgo the acquisition tax is set by each municipality. Payotte computes it on the pages of: Pachuca. Mortgage calculator.
The questions, answered
How much acquisition tax on a MX$3 million home in Hidalgo?
It depends on the municipality: on a MX$3 million home in Hidalgo, MX$55,721 in Pachuca, under the 2026 laws read by Payotte.
Are home prices rising in Hidalgo?
The SHF price index for Hidalgo changed by +8.3% 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 Hidalgo?
From January to June 2026, homes bought with a mortgage in Hidalgo were appraised at a median of MX$1,193,176 and a mean of MX$1,390,156; half of them were appraised between MX$834,743 and MX$1,633,550 (SHF). These are appraisal values, not sale prices.
What monthly payment on a MX$3 million home in Hidalgo?
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 Hidalgo?
Federal rules apply in Hidalgo 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 Hidalgo compares
Hidalgo sets no single rate: the acquisition tax is municipal, and Payotte computes 1 of its municipios. On a MX$3 million home it runs from MX$55,721 in Pachuca to MX$55,721 in Pachuca; the spread is MX$0, 1 times the lowest. The median of all 54 areas computed is MX$75,000.
The recording fee of Hidalgo depends on the state alone: MX$11,438 on MX$1 million, MX$11,438 on MX$3 million and MX$11,438 on MX$8 million, the same at every price, with a fixed part of MX$11,438.
In Hidalgo, homes bought with a mortgage were appraised at a median of MX$1,193,176 from January to June 2026: the 21st highest of the 32 entities, 8.2% below the national median of MX$1,299,580. The mean, MX$1,390,156, is 1.17 times the median, so the distribution is fairly even; the upper quartile bound is 2 times the lower one. In that picture, a MX$3 million purchase is above the upper quartile bound of MX$1,633,550, in the top quarter of mortgage-financed homes.
The SHF price index of Hidalgo rose +8.3% in a year, 1 points faster than Mexico's +7.3%: 11th of 32 entities ranked. The 2025 SNIIV count is 11,914 home loans to individuals in Hidalgo, 3.9 per 1,000 residents of the 2020 census (median entity: 3.8), for an average of MX$895,196, 0.75 times the median appraisal. 11% of homes are rented there (2024), below the median entity's 14.4%, 24th highest.
A buyer at the state median appraisal with 20% down borrows MX$954,541; at the Banco de México average of 11.29% over 20 years that is MX$10,042 a month, against MX$25,248 for the MX$3 million example of this page.
| Measure | Value | Reference | Rank |
|---|---|---|---|
| Median appraisal | MX$1,193,176 | Mexico MX$1,299,580 | 21st of 32 |
| Mean appraisal | MX$1,390,156 | Mexico MX$1,960,032 | 28th of 32 |
| Quartiles of appraisals | MX$834,743 to MX$1,633,550 | Mexico MX$843,000 to MX$2,226,101 | ratio 1.96 |
| SHF price index, one year | +8.3% | Mexico +7.3% | 11th of 32 |
| Home loans to individuals, 2025 | 11,914 | average MX$895,196 | 14th of 32 |
| Loans per 1,000 residents | 3.9 | median entity 3.8 | 16th of 32 |
| Residents, 2020 census | 3,082,841 | 2.45% of Mexico | 16th of 32 |
| Homes rented, 2024 | 11% | median entity 14.4% | 24th of 32 |
| Municipios computed | 1 | 1 listed | from MX$55,721 to MX$55,721 |
The figures
| Measure | Value | Source |
|---|---|---|
| SHF price index, Hidalgo, change over a year | +8.3% | SHF, Q2 2026 |
| SHF price index, Hidalgo, change over a year | +8.3% | SHF, Q2 2026 |
| Median appraisal value, Hidalgo (Jan.-June 2026) | MX$1,193,176 | SHF |
| Mean appraisal value, Hidalgo (Jan.-June 2026) | MX$1,390,156 | SHF |
| Home loans to individuals, Hidalgo, 2025 (new and existing homes) | 11,914 | SNIIV |
| Average amount of those loans | MX$895,196 | SNIIV |
| Share of homes rented, Hidalgo (2024) | 11% | 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 2,278 sampled homes of Hidalgo in INEGI's ENIGH 2024, without a margin of error.
Municipalities of Hidalgo on Payotte
Sources
- Recording fee: Ley Estatal de Derechos de Hidalgo, art. 8-VI (last reform P.O. 31 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, 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.