In short
In 2025, Infonavit granted 296,691 individual loans to buy a home, for an average of MX$714,025; banks 82,251 loans averaging MX$2,567,243; Fovissste 29,294 averaging MX$1,082,044 (SNIIV, Payotte's calculation). With Infonavit, the average loan rises with income: MX$475,714 for borrowers earning 2.6 UMA a month or less, MX$1,477,435 above 12 UMA.
By income band
| Monthly income of the borrower | Infonavit, average | Loans | Fovissste, average | Loans |
|---|---|---|---|---|
| 2.6 UMA or less | MX$475,714 | 24,730 | MX$587,932 | 969 |
| 2.61 to 4 UMA | MX$555,855 | 97,090 | MX$801,882 | 11,300 |
| 4.01 to 6 UMA | MX$626,494 | 85,564 | MX$1,089,083 | 8,158 |
| 6.01 to 9 UMA | MX$780,497 | 44,729 | MX$1,415,550 | 5,454 |
| 9.01 to 12 UMA | MX$1,038,648 | 18,836 | MX$1,645,798 | 3,067 |
| More than 12 UMA | MX$1,477,435 | 25,742 | MX$1,545,657 | 211 |
Bank loans are not split by income: the income band reported for them gives inconsistent averages (the lowest band shows the highest average), so Payotte publishes only their total.
By state
| State | Infonavit, average | Loans | Banks, average | Loans |
|---|---|---|---|---|
| Mexico City | MX$1,206,932 | 3,545 | MX$3,139,288 | 11,895 |
| Baja California Sur | MX$994,132 | 1,782 | MX$3,130,636 | 894 |
| Morelos | MX$833,093 | 2,201 | MX$2,536,804 | 1,282 |
| Campeche | MX$826,187 | 1,182 | MX$1,901,906 | 209 |
| Querétaro | MX$789,135 | 6,486 | MX$2,221,698 | 4,704 |
| Baja California | MX$774,661 | 15,980 | MX$2,880,137 | 3,071 |
| Nayarit | MX$753,562 | 2,447 | MX$2,256,703 | 1,046 |
| Guerrero | MX$745,557 | 1,179 | MX$2,483,168 | 601 |
| Chiapas | MX$729,967 | 2,023 | MX$1,956,118 | 534 |
| Yucatán | MX$726,382 | 6,520 | MX$2,326,832 | 2,993 |
| Hidalgo | MX$725,506 | 8,477 | MX$1,804,526 | 1,215 |
| Nuevo León | MX$717,143 | 32,722 | MX$3,093,327 | 7,785 |
| Oaxaca | MX$713,439 | 633 | MX$2,132,446 | 262 |
| Coahuila | MX$711,167 | 17,693 | MX$2,428,900 | 2,206 |
| Chihuahua | MX$710,048 | 20,703 | MX$2,493,063 | 3,003 |
| Jalisco | MX$707,447 | 27,268 | MX$2,591,439 | 9,368 |
| Sonora | MX$703,573 | 13,219 | MX$2,402,728 | 2,545 |
| Puebla | MX$701,522 | 7,490 | MX$2,206,470 | 2,523 |
| San Luis Potosí | MX$698,651 | 6,454 | MX$2,134,593 | 1,711 |
| Veracruz | MX$695,344 | 13,051 | MX$1,960,741 | 2,181 |
| Aguascalientes | MX$691,793 | 6,994 | MX$1,995,707 | 1,471 |
| Guanajuato | MX$690,351 | 19,235 | MX$2,040,174 | 3,730 |
| Colima | MX$687,525 | 3,690 | MX$1,952,924 | 700 |
| Zacatecas | MX$686,433 | 2,037 | MX$1,582,734 | 296 |
| Sinaloa | MX$686,271 | 8,488 | MX$2,331,314 | 2,852 |
| Michoacán | MX$685,759 | 6,052 | MX$2,079,666 | 1,452 |
| Tabasco | MX$682,203 | 1,996 | MX$2,104,539 | 672 |
| State of Mexico | MX$680,916 | 17,122 | MX$2,927,451 | 5,584 |
| Tamaulipas | MX$676,694 | 17,910 | MX$2,149,093 | 1,122 |
| Quintana Roo | MX$668,429 | 15,472 | MX$2,491,227 | 3,686 |
| Durango | MX$645,105 | 5,706 | MX$1,936,370 | 531 |
| Tlaxcala | MX$621,097 | 934 | MX$1,676,259 | 127 |
Individual loans (tipo 1) to buy a new or existing home (destino 2 and 3), 2025. Average = total amount ÷ number of loans, computed by Payotte.
Questions
How much does Infonavit lend on average?
MX$714,025 per individual home purchase loan in 2025, over 296,691 loans (SNIIV open data, Payotte's calculation).
What is a UMA?
The Unidad de Medida y Actualización, the reference unit INEGI publishes each year; SNIIV classifies borrowers by monthly income in UMA.
General information drawn from the official sources cited and dated on this page. It is not legal, tax or financial advice: for your own situation, ask a licensed professional.