Buying a home in Quintana Roo: taxes, prices, loans

Calculate for Quintana Roo

Buying: in Quintana Roo the acquisition tax is set by each municipality. Payotte computes it on the pages of: Bacalar, Cancún, Chetumal, Cozumel, Isla Mujeres, Playa del Carmen, Tulum. Mortgage calculator.

The questions, answered

How much acquisition tax on a MX$3 million home in Quintana Roo?

It depends on the municipality: on a MX$3 million home in Quintana Roo, MX$60,000 in Bacalar, MX$90,000 in Cancún, MX$60,000 in Chetumal, MX$90,000 in Cozumel, MX$120,000 in Isla Mujeres, MX$120,000 in Playa del Carmen, MX$120,000 in Tulum, under the 2026 laws read by Payotte.

Are home prices rising in Quintana Roo?

The SHF price index for Quintana Roo changed by +9.8% 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 Quintana Roo?

From January to June 2026, homes bought with a mortgage in Quintana Roo were appraised at a median of MX$1,310,995 and a mean of MX$1,991,230; half of them were appraised between MX$1,084,000 and MX$2,230,366 (SHF). These are appraisal values, not sale prices.

What monthly payment on a MX$3 million home in Quintana Roo?

With 20% down, a MX$2,400,000 fixed-rate loan over 20 years at 11.31%, the average offer of Mexican lenders in August 2026 (Banco de México), costs MX$25,281 a month; the lender's total annual cost (CAT) averaged 13.78% for its reference loan.

How much tax when you sell a home in Quintana Roo?

Federal income tax rules apply in Quintana Roo as in every state. A seller who is not a Mexican tax resident pays by default 25% of the gross price, with no deduction (LISR art. 160): MX$750,000 on a MX$3 million sale, paid by the notary at the signing; the seller may opt for 35% on the gain instead. A tax resident selling their own home is exempt up to 700,000 UDIS, about MX$6,199,266 at the Banxico UDI value of 15 October 2026, once every three years (art. 93-XIX-a); otherwise the gain is taxed after inflation updating and 3% yearly building depreciation, and 5% of it is paid to the state (art. 127).

The figures

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 2,403 sampled homes of Quintana Roo in INEGI's ENIGH 2024, without a margin of error.

Municipalities of Quintana Roo on Payotte

• BacalarMX$60,000
• CancúnMX$90,000
• ChetumalMX$60,000
• CozumelMX$90,000
• Isla MujeresMX$120,000
• Playa del CarmenMX$120,000
• TulumMX$120,000