In short
Appraisal values in Quintana Roo changed by +9.8% over a year (SHF index, second quarter of 2026). The average fixed-rate mortgage offer was 11.29% in September 2026 (Banco de México).
Quintana Roo has the highest rental share in Mexico: the rented share of homes reached 28.1% in 2024, against 14.4% for the median entity. Lending is just as distinctive. Mortgage lending in 2025 totalled 20,104 loans, MX$1,019,411 each on average, or 10.8 per 1,000 of the 1,857,985 residents, against a median of 3.8.
Prices are moving fast. The SHF index gained 9.8%, 4th of 32, ahead of the 7.3% national reading, with Playa del Carmen at 10% and Cancún at 9.7%. The median appraisal of MX$1,310,995 ranks 13th, close to the national MX$1,299,580.
The municipal tax runs from MX$60,000 in Bacalar and Chetumal to MX$90,000 in Cancún and Cozumel and MX$120,000 in Isla Mujeres, Playa del Carmen and Tulum. The recording fee is MX$7,625 at each example price, from 65 UMA per act and folio plus 0.2 UMA per page of the deed (article 29 of the state fees law, last reformed 18 December 2025). Agents need a state licence from SEDETUS, under the Ley de Prestación de Servicios Inmobiliarios, amended on 16 December 2025. The mean appraisal is MX$1,991,230, and the quartiles stand at MX$1,084,000 and MX$2,230,366.
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 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?
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 Quintana Roo?
Federal 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 (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 Quintana Roo compares
Quintana Roo sets no single rate: the acquisition tax is municipal, and Payotte computes 7 of its municipios. On a MX$3 million home it runs from MX$60,000 in Bacalar to MX$120,000 in Tulum, with Chetumal MX$60,000, Cancún MX$90,000, Cozumel MX$90,000, Isla Mujeres MX$120,000 and Playa del Carmen MX$120,000 between; the spread is MX$60,000, 2 times the lowest. The median of all 54 areas computed is MX$75,000.
The recording fee of Quintana Roo depends on the state alone: MX$7,625 on MX$1 million, MX$7,625 on MX$3 million and MX$7,625 on MX$8 million, the same at every price, with a fixed part of MX$7,625.
In Quintana Roo, homes bought with a mortgage were appraised at a median of MX$1,310,995 from January to June 2026: the 13th highest of the 32 entities, close to the national median of MX$1,299,580. The mean, MX$1,991,230, is 1.52 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$2,230,366, in the top quarter of mortgage-financed homes.
The SHF price index of Quintana Roo rose +9.8% in a year, 2.5 points faster than Mexico's +7.3%: 4th of 32 entities ranked. The 2025 SNIIV count is 20,104 home loans to individuals in Quintana Roo, 10.8 per 1,000 residents of the 2020 census (median entity: 3.8), for an average of MX$1,019,411, 0.78 times the median appraisal. 28.1% 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$1,048,796; at the Banco de México average of 11.29% over 20 years that is MX$11,033 a month, against MX$25,248 for the MX$3 million example of this page.
| Measure | Value | Reference | Rank |
|---|---|---|---|
| Median appraisal | MX$1,310,995 | Mexico MX$1,299,580 | 13th of 32 |
| Mean appraisal | MX$1,991,230 | Mexico MX$1,960,032 | 12th of 32 |
| Quartiles of appraisals | MX$1,084,000 to MX$2,230,366 | Mexico MX$843,000 to MX$2,226,101 | ratio 2.06 |
| SHF price index, one year | +9.8% | Mexico +7.3% | 4th of 32 |
| Home loans to individuals, 2025 | 20,104 | average MX$1,019,411 | 7th of 32 |
| Loans per 1,000 residents | 10.8 | median entity 3.8 | 1st of 32 |
| Residents, 2020 census | 1,857,985 | 1.47% of Mexico | 24th of 32 |
| Homes rented, 2024 | 28.1% | median entity 14.4% | 1st of 32 |
| Municipios computed | 7 | 7 listed | from MX$60,000 to MX$120,000 |
The figures
| Measure | Value | Source |
|---|---|---|
| SHF price index, Quintana Roo, change over a year | +9.8% | SHF, Q2 2026 |
| SHF price index, Quintana Roo, change over a year | +9.8% | SHF, Q2 2026 |
| Median appraisal value, Quintana Roo (Jan.-June 2026) | MX$1,310,995 | SHF |
| Mean appraisal value, Quintana Roo (Jan.-June 2026) | MX$1,991,230 | SHF |
| Home loans to individuals, Quintana Roo, 2025 (new and existing homes) | 20,104 | SNIIV |
| Average amount of those loans | MX$1,019,411 | SNIIV |
| Share of homes rented, Quintana Roo (2024) | 28.1% | 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 2,403 sampled homes of Quintana Roo in INEGI's ENIGH 2024, without a margin of error.
Municipalities of Quintana Roo on Payotte
Sources
- Recording fee: Ley de Derechos del Estado de Quintana Roo, art. 29-I (last reform 18 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.