In short
Appraisal values in Nayarit changed by +9.5% over a year (SHF index, second quarter of 2026). The average fixed-rate mortgage offer was 11.29% in September 2026 (Banco de México).
Nayarit sits 6th among the 32 entities when they are sorted by appraisal value. The SHF median for mortgaged purchases between January and June 2026 reads MX$1,529,958, above the national MX$1,299,580, and the average is higher still at MX$2,256,263. Valuations in the central band start at MX$1,176,055 and stop at MX$2,456,575. The population counted in 2020 was 1,235,456.
Prices are also moving fast. The SHF index climbed 9.5% year on year, 5th of 32, while Mexico as a whole shows 7.3%. Bahía de Banderas posts 9.6% and Tepic 9.4%, and each of those municipalities carries a tax of MX$60,000 on a purchase of MX$3 million.
Credit is lighter than in the median entity. During 2025, 3,961 individuals took home loans averaging MX$1,195,924, which makes 3.2 for every 1,000 residents against 3.8. Renting covers 17% of homes in 2024, which puts Nayarit 10th highest of 32 with the median at 14.4%. The mean appraisal sitting so far above the median suggests a top end with very high valuations.
The state registry charges a flat MX$15,461 whether the value is 1, 3 or 8 million, under article 18 of the 2026 state revenue law (published 29 December 2025). Real estate agents operate without a state regulation here.
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 Nayarit
Buying: in Nayarit the acquisition tax is set by each municipality. Payotte computes it on the pages of: Bahía de Banderas, Tepic. Mortgage calculator.
The questions, answered
How much acquisition tax on a MX$3 million home in Nayarit?
It depends on the municipality: on a MX$3 million home in Nayarit, MX$60,000 in Bahía de Banderas, MX$60,000 in Tepic, under the 2026 laws read by Payotte.
Are home prices rising in Nayarit?
The SHF price index for Nayarit changed by +9.5% 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 Nayarit?
From January to June 2026, homes bought with a mortgage in Nayarit were appraised at a median of MX$1,529,958 and a mean of MX$2,256,263; half of them were appraised between MX$1,176,055 and MX$2,456,575 (SHF). These are appraisal values, not sale prices.
What monthly payment on a MX$3 million home in Nayarit?
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 Nayarit?
Federal rules apply in Nayarit 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 Nayarit compares
Nayarit sets no single rate: the acquisition tax is municipal, and Payotte computes 2 of its municipios. On a MX$3 million home it runs from MX$60,000 in Bahía de Banderas to MX$60,000 in Tepic; the spread is MX$0, 1 times the lowest. The median of all 54 areas computed is MX$75,000.
The recording fee of Nayarit depends on the state alone: MX$15,461 on MX$1 million, MX$15,461 on MX$3 million and MX$15,461 on MX$8 million, the same at every price, with a fixed part of MX$15,461.
In Nayarit, homes bought with a mortgage were appraised at a median of MX$1,529,958 from January to June 2026: the 6th highest of the 32 entities, 17.7% above the national median of MX$1,299,580. The mean, MX$2,256,263, is 1.47 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$2,456,575, in the top quarter of mortgage-financed homes.
The SHF price index of Nayarit rose +9.5% in a year, 2.2 points faster than Mexico's +7.3%: 5th of 32 entities ranked. The 2025 SNIIV count is 3,961 home loans to individuals in Nayarit, 3.2 per 1,000 residents of the 2020 census (median entity: 3.8), for an average of MX$1,195,924, 0.78 times the median appraisal. 17% of homes are rented there (2024), above the median entity's 14.4%, 10th highest.
A buyer at the state median appraisal with 20% down borrows MX$1,223,966; at the Banco de México average of 11.29% over 20 years that is MX$12,876 a month, against MX$25,248 for the MX$3 million example of this page.
| Measure | Value | Reference | Rank |
|---|---|---|---|
| Median appraisal | MX$1,529,958 | Mexico MX$1,299,580 | 6th of 32 |
| Mean appraisal | MX$2,256,263 | Mexico MX$1,960,032 | 5th of 32 |
| Quartiles of appraisals | MX$1,176,055 to MX$2,456,575 | Mexico MX$843,000 to MX$2,226,101 | ratio 2.09 |
| SHF price index, one year | +9.5% | Mexico +7.3% | 5th of 32 |
| Home loans to individuals, 2025 | 3,961 | average MX$1,195,924 | 24th of 32 |
| Loans per 1,000 residents | 3.2 | median entity 3.8 | 18th of 32 |
| Residents, 2020 census | 1,235,456 | 0.98% of Mexico | 29th of 32 |
| Homes rented, 2024 | 17% | median entity 14.4% | 10th of 32 |
| Municipios computed | 2 | 2 listed | from MX$60,000 to MX$60,000 |
The figures
| Measure | Value | Source |
|---|---|---|
| SHF price index, Nayarit, change over a year | +9.5% | SHF, Q2 2026 |
| SHF price index, Nayarit, change over a year | +9.5% | SHF, Q2 2026 |
| Median appraisal value, Nayarit (Jan.-June 2026) | MX$1,529,958 | SHF |
| Mean appraisal value, Nayarit (Jan.-June 2026) | MX$2,256,263 | SHF |
| Home loans to individuals, Nayarit, 2025 (new and existing homes) | 3,961 | SNIIV |
| Average amount of those loans | MX$1,195,924 | SNIIV |
| Share of homes rented, Nayarit (2024) | 17% | 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 2,108 sampled homes of Nayarit in INEGI's ENIGH 2024, without a margin of error.
Municipalities of Nayarit on Payotte
Sources
- Recording fee: Ley de Ingresos del Estado de Nayarit 2026, art. 18 (P.O. 29 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.