In short
Appraisal values in Jalisco changed by +10.1% over a year (SHF index, second quarter of 2026). The average fixed-rate mortgage offer was 11.29% in September 2026 (Banco de México).
Jalisco is the 2nd-fastest rising market in the SHF index, with a gain of 10.1% in a year against 7.3% for Mexico. Its price level is more ordinary. The SHF reading for the first semester of 2026 puts a mortgaged home at MX$1,200,979, 19th of 32 and under the national MX$1,299,580. The mean is much higher at MX$2,107,232, and the quartile marks of MX$721,973 and MX$2,532,569 show that values vary widely inside the state.
With 8,348,151 inhabitants in 2020, the state saw 37,371 mortgages go to individuals in 2025, MX$1,186,778 on average. That works out to 4.5 for each 1,000 inhabitants, ahead of the 3.8 of the median state. Renting is common too: 26.3% of homes in 2024, 2nd highest, where the median state stands at 14.4%.
Recording a deed costs MX$4,801 at every example price. The state revenue law keeps lower fixed fees for economic or social housing under a cadastral value of MX$1,238,206, and charges 0.5% of value on non-residential property. Real estate agents may register on a voluntary basis with the Secretaría de Desarrollo Económico.
Four municipalities are covered. Their tax for a MX$3 million purchase starts at MX$80,900 in Chapala and tops out at MX$85,797 in Puerto Vallarta, with Zapopan at MX$85,200 and Guadalajara at MX$85,650. Guadalajara's own index rose 9.6% and Zapopan's 9.2%, both under the state's 10.1%.
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 Jalisco
Buying: in Jalisco the acquisition tax is set by each municipality. Payotte computes it on the pages of: Chapala, Guadalajara, Puerto Vallarta, Zapopan. Mortgage calculator.
The questions, answered
How much acquisition tax on a MX$3 million home in Jalisco?
It depends on the municipality: on a MX$3 million home in Jalisco, MX$80,900 in Chapala, MX$85,650 in Guadalajara, MX$85,797 in Puerto Vallarta, MX$85,200 in Zapopan, under the 2026 laws read by Payotte.
Are home prices rising in Jalisco?
The SHF price index for Jalisco changed by +10.1% 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 Jalisco?
From January to June 2026, homes bought with a mortgage in Jalisco were appraised at a median of MX$1,200,979 and a mean of MX$2,107,232; half of them were appraised between MX$721,973 and MX$2,532,569 (SHF). These are appraisal values, not sale prices.
What monthly payment on a MX$3 million home in Jalisco?
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 Jalisco?
Federal rules apply in Jalisco 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 Jalisco compares
Jalisco 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$80,900 in Chapala to MX$85,797 in Puerto Vallarta, with Zapopan MX$85,200 and Guadalajara MX$85,650 between; the spread is MX$4,897, 1.1 times the lowest. The median of all 54 areas computed is MX$75,000.
The recording fee of Jalisco depends on the state alone: MX$4,801 on MX$1 million, MX$4,801 on MX$3 million and MX$4,801 on MX$8 million, the same at every price, with a fixed part of MX$4,801.
In Jalisco, homes bought with a mortgage were appraised at a median of MX$1,200,979 from January to June 2026: the 19th highest of the 32 entities, 7.6% below the national median of MX$1,299,580. The mean, MX$2,107,232, is 1.75 times the median, a sign of a few very expensive appraisals pulling it up; the upper quartile bound is 3.5 times the lower one. In that picture, a MX$3 million purchase is above the upper quartile bound of MX$2,532,569, in the top quarter of mortgage-financed homes.
The SHF price index of Jalisco rose +10.1% in a year, 2.8 points faster than Mexico's +7.3%: 2nd of 32 entities ranked. The 2025 SNIIV count is 37,371 home loans to individuals in Jalisco, 4.5 per 1,000 residents of the 2020 census (median entity: 3.8), for an average of MX$1,186,778, 0.99 times the median appraisal. 26.3% of homes are rented there (2024), above the median entity's 14.4%, among the three highest shares.
A buyer at the state median appraisal with 20% down borrows MX$960,783; at the Banco de México average of 11.29% over 20 years that is MX$10,107 a month, against MX$25,248 for the MX$3 million example of this page.
| Measure | Value | Reference | Rank |
|---|---|---|---|
| Median appraisal | MX$1,200,979 | Mexico MX$1,299,580 | 19th of 32 |
| Mean appraisal | MX$2,107,232 | Mexico MX$1,960,032 | 8th of 32 |
| Quartiles of appraisals | MX$721,973 to MX$2,532,569 | Mexico MX$843,000 to MX$2,226,101 | ratio 3.51 |
| SHF price index, one year | +10.1% | Mexico +7.3% | 2nd of 32 |
| Home loans to individuals, 2025 | 37,371 | average MX$1,186,778 | 2nd of 32 |
| Loans per 1,000 residents | 4.5 | median entity 3.8 | 11th of 32 |
| Residents, 2020 census | 8,348,151 | 6.62% of Mexico | 3rd of 32 |
| Homes rented, 2024 | 26.3% | median entity 14.4% | 2nd of 32 |
| Municipios computed | 4 | 4 listed | from MX$80,900 to MX$85,797 |
The figures
| Measure | Value | Source |
|---|---|---|
| SHF price index, Jalisco, change over a year | +10.1% | SHF, Q2 2026 |
| SHF price index, Jalisco, change over a year | +10.1% | SHF, Q2 2026 |
| Median appraisal value, Jalisco (Jan.-June 2026) | MX$1,200,979 | SHF |
| Mean appraisal value, Jalisco (Jan.-June 2026) | MX$2,107,232 | SHF |
| Home loans to individuals, Jalisco, 2025 (new and existing homes) | 37,371 | SNIIV |
| Average amount of those loans | MX$1,186,778 | SNIIV |
| Share of homes rented, Jalisco (2024) | 26.3% | 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 2,558 sampled homes of Jalisco in INEGI's ENIGH 2024, without a margin of error.
Municipalities of Jalisco on Payotte
Sources
- Recording fee: Ley de Ingresos del Estado de Jalisco 2026, art. 16 (decree 30121/LXIV/25, published 23 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.