In short
On a MX$3 million home in Chihuahua (Chihuahua), the acquisition tax is MX$62,775 (2.09% of the value) and the fee to record the deed MX$19,635, under its 2026 law. Appraisal values in Chihuahua changed by +7% over a year (SHF index, second quarter of 2026). The average fixed-rate mortgage offer was 11.31% in August 2026 (Banco de México).
Calculate for Chihuahua
The questions, answered
How much tax and recording fee on a MX$3 million home in Chihuahua?
On a MX$3 million home in Chihuahua (Chihuahua), taxed on the highest of an appraisal, the cadastral value and the value in the deed, the buyer pays property transfer tax (ISTD) MX$60,000, university surcharge (4% of the tax) MX$2,400, municipal contributions per transaction (IMPAS, women's institute, DIF, fire service) (3.2 UMA) MX$375, recording fee, Registro Público de la Propiedad MX$19,635: MX$82,410 in all under the 2026 laws read by Payotte, before notary fees.
How much tax and recording fee on a MX$8 million home in Chihuahua?
On a MX$8 million home in Chihuahua (Chihuahua): property transfer tax (ISTD) MX$160,000, university surcharge (4% of the tax) MX$6,400, municipal contributions per transaction (IMPAS, women's institute, DIF, fire service) (3.2 UMA) MX$375, recording fee, Registro Público de la Propiedad MX$19,635, MX$186,410 in all, before notary fees.
Are home prices rising in Chihuahua?
The SHF price index for Chihuahua (Chihuahua) changed by +7% 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 monthly payment on a MX$3 million home in Chihuahua?
MX$2,400,000 borrowed (20% down) costs MX$25,281 a month over 20 years at 11.31% (Banco de México, August 2026); average CAT 13.78%.
How much tax when you sell a home in Chihuahua?
Federal rules apply in Chihuahua 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$6,199,266 at 15 October 2026 (art. 93-XIX-a).
How Chihuahua compares
Chihuahua charges MX$62,775 of acquisition tax (2.09%) on a MX$3 million home, 16.3% under the MX$75,000 median of the 54 municipios computed; 18 charge less and 35 more.
The law applies one rate, 2%, to the taxable base, so the tax grows in step with the price: MX$21,175 on MX$1 million, MX$62,775 on MX$3 million and MX$166,775 on MX$8 million. In Chihuahua, a 4% surcharge (University surcharge) is added to the tax and 3.2 UMA of fixed contributions (MX$375) are added per transaction.
Inside Chihuahua, the nearest computed neighbours on a MX$3 million home are Ciudad Juárez MX$62,400 (MX$375 less). The MX$19,635 recording fee comes from the state's own law, so it is identical in each of them and the gap is the municipal tax alone.
Tax and recording fee together take 2.75% of a MX$3 million price, MX$82,410, which is 3.3 monthly payments of MX$25,281 and 13.7% on top of the MX$600,000 down payment. On a home at the state median appraisal of MX$1,301,862 the same rules give MX$47,089, 3.62% of the price.
Ranked from the lightest to the heaviest of the 54 areas, Chihuahua is 19th: just below it in the national ranking is Ciudad Juárez at MX$62,400 and just above it is Zacatecas (Zacatecas) at MX$63,000. The lightest, Guanajuato, takes MX$24,144 on the same MX$3 million, so a buyer in Chihuahua pays MX$38,631 more; the heaviest, Querétaro, takes MX$170,306, MX$107,531 more than Chihuahua.
Beyond the three prices of this page, tax and fee reach MX$61,610 on MX$2 million, MX$124,010 on MX$5 million and MX$269,610 on MX$12 million. Between MX$3 million and MX$8 million, each extra peso of price carries 2.08 centavos of acquisition tax, the same as the average rate. In the daily unit of account (UMA, MX$117 in 2026) the MX$3 million tax is 535 UMA and the recording fee 167.
The SHF index of Chihuahua itself moved +7% in a year, behind Chihuahua (+7.4%) and below Mexico (+7.3%): 22nd of the 36 cities with an index of their own.
| Measure | Value | Reference | Rank |
|---|---|---|---|
| Chihuahua: Acquisition tax on MX$1 million | MX$21,175 | median MX$21,588 | 27th of 54 lightest |
| Chihuahua: Acquisition tax on MX$3 million | MX$62,775 | median MX$75,000 | 19th of 54 lightest |
| Chihuahua: Acquisition tax on MX$8 million | MX$166,775 | median MX$232,239 | 17th of 54 lightest |
| Chihuahua: Effective rate at MX$3 million | 2.09% | median 2.5% | 19th of 54 lightest |
| Chihuahua: Effective rate at MX$1 and 8 million | 2.12% and 2.08% | gap 0.03 points | falling |
| Chihuahua: Tax on MX$3 million in UMA | 535 UMA | MX$117 per UMA | 17.6 monthly UMA |
| Chihuahua: Recording fee on MX$3 million | MX$19,635 | 0.65% of the price | 31.3% of the tax |
| Chihuahua: Tax and fee on MX$3 million | MX$82,410 | 2.75% of the price | 25th of 54 lightest |
| Chihuahua: Tax and fee on MX$12 million | MX$269,610 | 2.25% of the price | 3.3 times the MX$3 million bill |
| SHF index, Chihuahua | +7% | Mexico +7.3% | 22nd of 36 |
Appraisal values, home loans and renting for the whole of Chihuahua are on its state page.
The figures
| Measure | Value | Source |
|---|---|---|
| Property transfer tax (ISTD) on MX$3 million | MX$60,000 | Ley de Ingresos del Municipio de Chihuahua 2026, art. 55-56, 73-74 (Decreto LXVIII/APLIM/0409/2025, P.O. 103, 24 Dec. 2025) |
| University surcharge (4% of the tax) on MX$3 million | MX$2,400 | Ley de Ingresos del Municipio de Chihuahua 2026, art. 55-56, 73-74 (Decreto LXVIII/APLIM/0409/2025, P.O. 103, 24 Dec. 2025) |
| Municipal contributions per transaction (IMPAS, women's institute, DIF, fire service) (3.2 UMA) on MX$3 million | MX$375 | Ley de Ingresos del Municipio de Chihuahua 2026, art. 55-56, 73-74 (Decreto LXVIII/APLIM/0409/2025, P.O. 103, 24 Dec. 2025) |
| Recording fee, Registro Público de la Propiedad on MX$3 million | MX$19,635 | Ley Estatal de Derechos de Chihuahua, art. 29-I-a (last reform P.O. 103, 24 Dec. 2025) |
| SHF price index, Chihuahua, change over a year | +7% | SHF, Q2 2026 |
| Average fixed-rate mortgage offer (Aug. 2026) | 11.31% | 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 appraisal values, loans and renting of Chihuahua are on its state page.
Elsewhere in Chihuahua
Sources
- Acquisition tax: Ley de Ingresos del Municipio de Chihuahua 2026, art. 55-56, 73-74 (Decreto LXVIII/APLIM/0409/2025, P.O. 103, 24 Dec. 2025); the calculator.
- Recording fee: Ley Estatal de Derechos de Chihuahua, art. 29-I-a (last reform P.O. 103, 24 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, August 2026.