In short
Appraisal values in Sonora changed by +9.2% over a year (SHF index, second quarter of 2026). The average fixed-rate mortgage offer was 11.29% in September 2026 (Banco de México).
Sonora combines a price level under the national middle with fast price growth. Mortgaged homes carry a median SHF valuation of MX$1,175,452 for January-June 2026, which ranks 24th of 32 where Mexico stands at MX$1,299,580. Valuations average a higher MX$1,767,242, and the quartile marks lie at MX$865,000 and MX$1,923,048. The index, however, advanced 9.2%, 6th of 32 and ahead of the 7.3% national gain.
The state had 2,944,840 inhabitants in 2020. Individuals received 16,542 mortgages in 2025, MX$984,529 on average, a rate of 5.6, more than the 3.8 of the median entity. Renting is less common than elsewhere: 12.5% of homes in 2024, under the 14.4% median, placing the state 21st on that share. Sonora has no state rule for real estate agents, and no recording fee is available for it.
Municipalities covered here are Guaymas, Hermosillo and Puerto Peñasco. Guaymas applies a flat rate to the highest of an appraisal, the cadastral value and the price, which means MX$60,000 on a MX$3 million purchase. Puerto Peñasco taxes by bracket, so the whole base pays 3% above a set value, giving MX$90,000 at the same price. Hermosillo is not computed, because a correction to its 2026 revenue law, could not be reached in the state gazette, though its own index gained 8.9%. On the tax scale, Guaymas sits 13th lightest and Puerto Peñasco well below it. Its rank on mortgage lending, 5.6, is well above the median, while its rank on rented homes is below it.
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 Sonora
Buying: in Sonora the acquisition tax is set by each municipality. Payotte computes it on the pages of: Guaymas, Puerto Peñasco. Mortgage calculator.
The questions, answered
How much acquisition tax on a MX$3 million home in Sonora?
It depends on the municipality: on a MX$3 million home in Sonora, MX$60,000 in Guaymas, MX$90,000 in Puerto Peñasco, under the 2026 laws read by Payotte.
Are home prices rising in Sonora?
The SHF price index for Sonora changed by +9.2% 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 Sonora?
From January to June 2026, homes bought with a mortgage in Sonora were appraised at a median of MX$1,175,452 and a mean of MX$1,767,242; half of them were appraised between MX$865,000 and MX$1,923,048 (SHF). These are appraisal values, not sale prices.
What monthly payment on a MX$3 million home in Sonora?
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 Sonora?
Federal rules apply in Sonora 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 Sonora compares
Sonora 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 Guaymas to MX$90,000 in Puerto Peñasco; the spread is MX$30,000, 1.5 times the lowest. The median of all 54 areas computed is MX$75,000.
In Sonora, homes bought with a mortgage were appraised at a median of MX$1,175,452 from January to June 2026: the 24th highest of the 32 entities, 9.6% below the national median of MX$1,299,580. The mean, MX$1,767,242, is 1.5 times the median, a sign of a few very expensive appraisals pulling it up; the upper quartile bound is 2.2 times the lower one. In that picture, a MX$3 million purchase is above the upper quartile bound of MX$1,923,048, in the top quarter of mortgage-financed homes.
The SHF price index of Sonora rose +9.2% in a year, 1.9 points faster than Mexico's +7.3%: 6th of 32 entities ranked. The 2025 SNIIV count is 16,542 home loans to individuals in Sonora, 5.6 per 1,000 residents of the 2020 census (median entity: 3.8), for an average of MX$984,529, 0.84 times the median appraisal. 12.5% of homes are rented there (2024), below the median entity's 14.4%, 21st highest.
A buyer at the state median appraisal with 20% down borrows MX$940,362; at the Banco de México average of 11.29% over 20 years that is MX$9,893 a month, against MX$25,248 for the MX$3 million example of this page.
| Measure | Value | Reference | Rank |
|---|---|---|---|
| Median appraisal | MX$1,175,452 | Mexico MX$1,299,580 | 24th of 32 |
| Mean appraisal | MX$1,767,242 | Mexico MX$1,960,032 | 16th of 32 |
| Quartiles of appraisals | MX$865,000 to MX$1,923,048 | Mexico MX$843,000 to MX$2,226,101 | ratio 2.22 |
| SHF price index, one year | +9.2% | Mexico +7.3% | 6th of 32 |
| Home loans to individuals, 2025 | 16,542 | average MX$984,529 | 12th of 32 |
| Loans per 1,000 residents | 5.6 | median entity 3.8 | 8th of 32 |
| Residents, 2020 census | 2,944,840 | 2.34% of Mexico | 18th of 32 |
| Homes rented, 2024 | 12.5% | median entity 14.4% | 21st of 32 |
| Municipios computed | 2 | 3 listed | from MX$60,000 to MX$90,000 |
The figures
| Measure | Value | Source |
|---|---|---|
| SHF price index, Sonora, change over a year | +9.2% | SHF, Q2 2026 |
| SHF price index, Sonora, change over a year | +9.2% | SHF, Q2 2026 |
| Median appraisal value, Sonora (Jan.-June 2026) | MX$1,175,452 | SHF |
| Mean appraisal value, Sonora (Jan.-June 2026) | MX$1,767,242 | SHF |
| Home loans to individuals, Sonora, 2025 (new and existing homes) | 16,542 | SNIIV |
| Average amount of those loans | MX$984,529 | SNIIV |
| Share of homes rented, Sonora (2024) | 12.5% | 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 2,611 sampled homes of Sonora in INEGI's ENIGH 2024, without a margin of error.
Municipalities of Sonora on Payotte
Sources
- 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.